Friday, January 18, 2013

Did You Do Your Price Book This Week? & Newbie Grocery Store Tips

Just a reminder to get those Price Book Week 2 prices recorded before the Sales week at your store(s) is over.

I did 1 store so far this week but I still need to get the prices at Weis "PMITA" Markets recorded.




**A quick note in regard to sales cycles at the store for newbies**

As you go through these weeks jotting down prices you may notice that at your store there is 1 week per month where your store is advertising "house brands" mostly and not the name brand products.  House brands are the store brand equivalents of all those name brand products they carry.  Your store may have 1 house brand or they may have lots of house brand names they use.  For example,  my local Shursave affiliate market carries Shursave or Shurfine branded products.  These are the brands that are always lower than the identical products that they carry under a name brand.
But if I shop at Weis or Price Chopper, both of these chains feature more than 1 name for their house brand.  And then there are stores like Aldi's that only carry their house brands and Sav-A-Lot which carries their house brands and a very limited selection of name brands.

Some people can taste a difference between name branded and store branded items.  I have found the quality of house brands vs. name brands range from identical to "are you kidding me?!".  8-)
You really need to try a house brands before you dismiss it as not worth buying because it tastes bad.
House brands of basic items like canned tomato products, flour, sugar, etc. are usually on par in quality with the name brand ones.  Once you are into the higher priced items.....like coffee, frozen veggies, the ingredients in the house brand may be far below that of the name brand equivalent.  Sometimes it IS all about "you get what you pay for".

In order to get the lowest priced of identical items, and without shopping the weekly sales and/or using coupons, you are probably buying the house brand(s).  House brands don't go on sale very often usually, compared to name brands.  A store will push their house brands in their sales ad 1 week of each month.  Around here, that week is usually the 3rd week of the month.  The "house brand week" generally will fall in your area when the majority of employees who are paid monthly or twice a month are at the end of a pay period.  The assumption is that everyone runs out of money the closer to payday, so they push the less expensive brands, the house brands.  "HBW" might be the last week of the month instead, as the govt. sends out support checks at the beginning of the month.

Usually, again in my area, advertising of house brands does not mean the house brand items in the ad are on sale.
If you are trying to figure out when to buy/what to buy to get the best deal, take note of when your store pushes the house brands, and when they feature the house brands in their ads, if they are actually a better deal that week compared to the rest of the month.
A favorite "trick" of grocery stores is to feature an item in a sales ad at the regular price if they need to unload extra stock of that item.  You see the item in the ad and assume it is on sale, yet it is not.  The store will try this trick to sell items it is overloaded with first, before it reduces the price.  So when perusing your sales ads, it helps to know the regular prices of items.

I'll be back tomorrow night with my Price Book Week 2 prices.

Sluggy

Lackluster Rite-Aid Week





2 x Clear Men's Shampoo $7.49 w/Gold discount $5.99=$11.98
2 x Clear 3oz. Shampoo $2.49 w/Gold discount $1.99=$3.98
1 x Keri Hand Lotion (raincheck price b4 Xmas)=$.99
1 x Cella cherry w/Gold discount=$.26 *not pictured, eaten*
SubTotal.....$17.21

Coupons Used
2 x $3/1 Peelie Clear Men's Shampoo(on bottles)=$6.00
2 x Free Item Clear 3oz. Shampoo VV/AdPerksQ(deducted full $2.49 price ea.)=$4.98
1 x $2/1 Keri Lotion IPQ(from Dec. was stapled to raincheck when procured)=$2.00
Coupon Total.....$12.98

$17.21-$12.98=$4.23

I used $4+Up Rewards and put the .23¢ on my gift card.
I received back $7+ Up Rewards for buying $15 in Clear products.

My 50th Anniversary Promo tracking is now at $48.41(only the .99¢ Keri qualified).
I am still missing my Sharpie marker spending on my total.
But I guess it really doesn't matter because I am NOT getting to $100 of spending/tracking by the 26th.

I might just use my $11.50 in +Ups tomorrow and buy 2 large packs of TP, as the Scot is on sale.  Betwwen +Ups, Sale price and 2 Qs I have, I'll have to "spend" about $1.06 on my gift card.
TP is something we can use/need and I'll be out of +Ups so I can stop Rite-Aiding for a few months.

The deals at Rite-Aid are few and far between for me lately and I am just worn out and need a break.

I know everyone will miss these R-A posts.....LOLOL

Maybe I should hold a lottery and everyone can guess how long I can go before I go back to Rite-Aid? ;-)

This trip to Rite-Aid--
OOP....$0.00
Value of items.....$29.08
+Ups coming into this trip....$8.50
+Ups used....$4.00
+Ups earned......$7.00
+Ups at the end.....$11.50

 
**GRAND TOTALS FOR JANUARY-so far**

Out Of Pocket....$0.00  cash
Value of items bought.....$139.89
Savings Rate of  100%
Rebates due......$16.99(Neosporin 2x)
Savings Rate after Rebates.....100 %

+Ups at beginning of month...$32.50+
+Ups used....$37.00+
+Ups received...$16.00+
+Ups currently...$11.50+  



Sluggy

Thursday, January 17, 2013

What Santa Brought Me.....Keeping the Costs Sensible


I know everybody is anxious to know exactly what presents Sluggy received for Christmas in 2012.
Oh come on.....you KNOW you want to know.  ;-)

Yes, we are lavish gift givers around here.
It's all about the bling.......the luxury........the decadence........
No, around here, we don't expect anyone to spend a big wad of cash on a pile of gifts for us.  We gift sensibly.  We give what someone wants/needs(within reason) and we try to get a deal if possible.

Here are a couple of gifts I got from extended family......first from my brother and his wife....

A pair of slippers and a cocktail shaker and mix

And from Hubs brother and the nephew.....

a Kitchen store gift card

We do a nuclear family Secret Santa gift exchange and #2 Son got my name.....


I got a book I wanted, "Everything You Were Taught About the Civil War Is Wrong", and a gift card to Ollie's Bargain Outlet "Good Stuff Cheap!".  #2 Son knows me too too well.....

And #2 Son gets extra credit because he bought the book from a used bookseller. ;-)


Then my older two kids, having jobs now and making a little of their own money, got some Christmas Spirit this year and decided to buy presents for each family member.  This was unexpected and yes, the thought of it was the best part of the gifts!

So #1 Son bought me....

Candles that smell like cookies and Cherry Blossom Bubble Bath

And the Daughter got me this.....
An Olive Oil Pump/Sprayer to break my addiction to PAM. lol

Then Hubs bought me a book.....Hubs considers a book the "perfect gift" so I can pretty much count on a book for Christmas....lol.....

Gotta love Stonewall Jackson!

And "Santa" filled my stocking with this strange mix of goodies....

2 packs of safety pins(I asked for those!lol)
Gas treatment ?
Post-Its ?
Chocolate coins ?
a high class bottle opener ?
I am still shaking my head over most of this stuff....I think Santa either lost his mind or had too much egg nog before he got to our house.lolol

As you can see, we just live on the edge, walk on the wild side, spend money like it's going out of style!!
Not.....

But here is the one thing I asked for and they & Hubs actually got for me.....


While the kids were all home at the same time for the Holidays(which doesn't happen nearly at ALL anymore), they went up to the local portrait studio and had this photo taken.  I haven't had a photo of the 3 of them together done since they were in elementary school.  And the bestest thing about it?  They are actually smiling REAL smiles, not those faked ones I get when I ask them to pose so I can take a picture!

Of course, I didn't get the portrait until late last week, but it made my Holiday.
Yes, it did.



Sluggy

Wednesday, January 16, 2013

Cliff Diving & When Is 2% Not 2%?


Well we got our first paycheck since falling off the cliff.
We have it direct deposited into the credit union.
My eyeballs nearly exploded when I saw a check with $300 LESS in it....$300 less for 2 weeks.
Yikes!
I grabbed the calculator and saw that if that $300 was 2% of our income, we'd be pulling in $390,000 a year.

Ummm, last I looked we were no where NEAR that neighborhood! lolz

BTW--someone making $390K a year is seeing $7,800 LESS in their take-home pay this year.  I am sure they are feeling the pain of that as much as all of us who make way less and are not seeing our 2%s.

Then I remembered that we have local taxes for the year, that are taken out of the 1st 2 paychecks in January, so January's pay is less anyway.
But still, that didn't cover a $300 reduction for 2 weeks of work.

And then Hubs brought home his paystub and there was a note on it.
A note explaining that the bookkeeping dept. of his company was asleep at the switch and took too much for something or other out of everyone's paycheck, and they would be adding this amount back in to the next check.

With the position we are in with the money, this "problem" was a non-problem for us.

But if we had no savings or emergency fund and needed Hubs entire check to cover our expenses for the next 2 weeks, having a $300 hole in the funds available could have been trouble.

Living paycheck to paycheck, with no savings would have meant going without things(hopefully not needs-like food or delaying paying an electric bill or mortgage payment)or putting some things on credit.
And if we had credit card debt already, it would have added to our debt load and/or added to the fees and interest we had to pay.

So my question to everyone......if your paycheck was reduced in error and you didn't have access to a significant chunk of money, could you weather that storm without financial repercussions?

Clearly $300 taken out of our paycheck in error was NOT a foreseeable problem, so there was no way to lessen it's impact.
Unless we lived below our means and made putting money aside for emergencies a priority in our financial lives BEFORE this happened.

Shit happens.
Make sure you aren't caught without a shovel.

Sluggy

Tuesday, January 15, 2013

It's the Middle of January Already?!?


I find it hard to believe that half of January has gone by already.
For gosh sakes, I haven't even settled on my Yearly 2013 Goals, let alone which ones to tackle in January! lol

2 Weeks+ into the year and I am already behinder.

So I'll refer to my "To Do" List posted on the sidebar for January(over there --->)
and see how I'm progressing.

*  Gather tax records  working on this one, slowly

*  Make new Price Book working on this one also, I've got 5 more weeks until it's done

*  Shutdown eBay Store  DONE!  Got it shut down and paid the bill, sort of.  I'll get a $10 credit on next month's bill, but eBay doesn't cut you a check for a refund....no, they keep a credit on your account.  As I don't want a $10 credit sitting there unused for another year or forever, I paid my last invoice minus the amount of the future credit, so that my next invoice will be a zero balance.  Makes sense right?  Oh, not to eBay!  They send me a collection email each week, with progressively more threatening language.  Ooooo!  They are going to charge me late fees(of 1.5%)and send my debt to a collection agency.  I am so scared!!  How will I ever afford that 15¢ late fee?
Get real eBay.....I don't care.

*  Clean out InkFrog files & Close Account working on this one too, trashed 300 files so far.  I need to transfer my descriptions and images back to my HD and then onto a flash drive in case I ever need them again.  I hope to get this finished before I have to pay another $9.95 a month.

*  Scan 1 scrapbook of photos Not even begun yet
I'll start this later this week.  No time limit on it but I want to get it done this month.


*  Finish reading John Lee Holt book working on this one, on page 105.  It's not an easy read.  Plus it's quite depressing, since I know the outcome and it's someone related to me.  Chronologically I am at Aug. 18, 1862.....almost to 2nd Bull Run.  I have to keep stopping every so often to refresh my memory on particular battles of the war so I don't get lost.   John is now a part of Pickett's Brigade, Longstreet's Division.  About 9 mos. before Gettysburg.....
Perhaps I should avoid reading any books concerning Lincoln's War in the Winter time. 8-)

*  Put Christmas stuff away  DONE!
Usually this takes all month or longer, but I nagged enough to get everyone cooperating enough to finish the tasks.

*  Defrost and organize Freezer  DONE!  Got the freezer de-iced last week.  Amazing amount of space once the ice was gone!lol  Filled up the new empty space last week as well with some good meat deals.

*  Drop NCP Membership  DONE!  Just waiting on the scanner to arrive back at the HQ in NY.  Gawd!  I will be so glad when this whole adventure is done!!!  What a PITA this was.  Whoever gave me the notion to join this Nielsen Home thing in the first place?  You better be glad I can't remember shit anymore because if I could, I'd be showing up on your doorstep to kick. your. ass.
If you ever see these people advertizing for Panelists, RUN in the opposite direction!  It is so not worth it unless you like doing mindless crap for NO reward.


*  Celebrate my Birthday!  Not time yet--next week  Friday kicks off Birthday Week at Chez Sluggy!  My and Martin Luther King are partying hard this year.....just no CHEESEcake! lol

Sluggy