Monday, July 1, 2013

What is Your House Costing You?



Life is expensive.
Yah, like noooooobody  already knows that, right? ;-)

Everyone has to live somewhere and it's not free.
Whether you rent or own, there are expenses associated with housing.
Are you in a housing situation that you can afford?
The cost of where you hang your hat is more than just a rent check or a mortgage payment.
Do you know how much your home is really costing you?


Sharon over at Midlife Mom Musings and Morrison over at My Life In Focus asked that question a month or two ago in regard to home ownership--What is it costing you?

They figured out their expenses for the year that were directly affected or a result of their home.....things like the obvious mortgage, but also taxes, services like water, garbage disposal and sewage, as well as electricity(and propane or gas for cooking/heating) and insurance.  Money spent on home maintenance and repairs should also be included in your total. 

We own a 4 bedroom, 2.5 bath,  2 story home with a 2 car garage, on a 1/4 acre lot in a small town outside of a metropolitan city area. The development the home sits in dates from the 1980's.  The house is just over 2,100 sq. ft.(not including the basement).

For 2012, my list of expenses included.....
Insurance-$596.00
Sewage---$407.40
Taxes----$3116.33
Garbage--$336.00
Electric-$2432.28
Water-----$743.31
Repairs---$265.00

What I didn't include was money spent on the lawn/landscaping/gas for the mower/plants/etc. as I don't have figures for those expenses handy.  Most of that was paid for in cash and I didn't keep the receipts.

My Housing costs for 2012 were $7,896.32 for the whole year, or $658.03 per month, which comes to $21.63 a day.

And if I take that figure of $658.03 and compare it to renting a comparable house here, it is at least $350ish less than it would cost me to rent one.  And that rent wouldn't include the utilities or renter's insurance.
So we are doing well staying put here for now.

The water is higher because we have a pool so we use more than someone without a pool.
The electric is higher because the home is all electric-heating and cooking.  We do not have central A/C....yet! ;-)

The main reason my home costs us so little is because we paid it off in 2007 so there is NO mortgage.

Compared to our net take home pay, we are spending well under the recommended 30% of our after tax income on housing.


So what's your house costing you every year?
Are you afraid to figure it out because you might not like what you see?
The first step to budgeting and figuring out what it cost you to live the life you are leading is to get a handle on what you spend.
Run the numbers.....it might surprise you to see what it costs you daily to stay in your current home.
You might find that your house is unsustainable for your income and you might be better off not owning it.

Sluggy
 

Sunday, June 30, 2013

JUNE 2013 Budget Results.....Food & Toiletries Spending


 

Here are my FOOD BUDGET spending totals for JUNE 2013.

I have posted June's totals on the right side bar under Total Grocery Savings for 2013 and updated the Yearly Totals.
I am listing subtotals for each store I purchased from in June.  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(3 at home this month)& 2 dogs. No kids under 17.
******************

MAINE SOURCE(restaurant supply)
OOP  $43.16
Value  $71.07
Savings  39.27 %
 
SHURSAVE STORES(small local independent affiliated stores)
OOP  $121.70
Qs/Ads  $57.71
Value  $179.41
Savings  32.17%

WEGMAN'S
OOP  $85.29
Qs/Ads  $26.11
Value  $111.40
Savings  23.44%

WEIS MARKETS
OOP  $30.59
Qs/Ads  $27.64
Value  $58.23
Savings  47.46%

I am no longer adding my rebates received into my food budget directly. I will use them on food on occasion and will note that when used.  I will keep track of rebates/gift cards/certs received here as before however.

REBATE CHECKS RECEIVED IN June.....$0.00
GIFT CARDS and CERTIFICATES....$0
TOTAL Value of Cash/Store Checks/Gift Card Rebates Received...$0.00

COUPONS and FREEBIES
Zero

*********************
My best 3 Store Savings Totals were Weis at 47.46%, Maine Source at 39.27% and Shursave Markets at 32.17%.  l only shopped at 4 different stores this past month.


TOTAL Out of Pocket........$280.74
TOTAL Coupons & Store Sales Savings...$139.37
TOTAL Value of Items Purchased............$420.11
TOTAL Savings of...................................32.18%

This closes out the June food/toiletries spending.

THOUGHTS & COMMENTS for this month.....

I went into June with my usual $400 budgeted for food/toiletries for the month.  Ended the month with $119.26 left over.
 
I did NO Rite-Aid shopping last month either.
I'm still trying to figure out what my baseline for food costs is since the dietary change in April.  Scratching my head about the low spend on food this month....not sure why because we didn't suddenly increase the eating out or anything.  Maybe it was a combination of eating less at meals(so the food went further)and #2 Son working so not eating dinner here.  I also did no stocking up(much) in June and we ate down a bit on the frozen stuff....which turned out to be a VERY GOOD THING, what with the new freezer going kerflooey(technical term).
Looking ahead to July---I'm lowering our budget to $300 for  this month.  I won't be stocking up on any frozen foods and we'll be eating down what I have in that category, given our freezer situation at the moment.  I am hoping to not buy meat products until what we have in the freezers is gone this month.  Most of the food budget in July will be going toward fresh fruits and veggies and some dairy.
**Update** I might keep the food budget at $400 instead, since Daughter told me that Sears(where she works)is having a nice sale n freezers for the 4th of July week.  I might break down and buy a Kenmore freezer as she says they aren't made by the factory in China that makes Whirlpools.  I suppose it's a different factory but still in China however.lolz
So in case I do buy another new freezer this month, I'll keep the food budget at $400 since I'll need to get a few frozen items.

 
And here is the run down of my Food & Toiletries Spending for 2013 so far--
 
2013 Total Saved $1,562.88

2013 Yearly Total Value of Items  $3,770.44

2013 Yearly Total Spent $2,207.56

2013 Yearly Savings Total of  41.45%
 
Again in June, total savings percentage for the year has gone down just over 1%.  The month of June was 32.18% saved(which was 7% worse than May's savings).
The yearly total so far is still over 40% so I am good with that.
 
How much did you spend on food in June?
 
Sluggy

Saturday, June 29, 2013

Well THAT was Fun!

Ok, so yesterday was about as far from the description of fun as I want to go!

Seriously, yesterday sucked major ass.

I spent large chunks of the day on the telephone or waiting for someone to call me back.
Even when it's someone I want to talk to, being on the phone is not my idea of fun.

So I am assuming you have read my previous post about my 3 week old NEW Freezer dropping dead for no apparent reason.
That was just the beginning of this stretch of "fun".

Luckily for us, we had kept our previous refrigerator of a couple of years back.  Something in that fridge that regulates the temperature in the freezer part of it went "kerflooey"(technical term)and it started staying on until the freezer parts froze up.  You would have to turn off the fridge/freezer every now and again, let it thaw out and then turn it back on.
Not a good thing for all the FROZEN food in it, right?

Since at that time, we couldn't get a repair person out here to change the part that was going "kerflooey"(technical term), we had to buy a new fridge, since we could get a new working one asap.  We stuck the old fridge in the garage to use for stockpile storage and to some day repair it if the new one died or one of the kids needed a fridge on down the line.

So when the new freezer having died was discovered, we plugged in the old refrigerator out in the garage next to it, and I transferred as much of the contents of the new freezer into the old fridge's freezer compartment.  While not everything would fit, I was able to save the more valuable food items.....the meats and cheeses and butter.
Screw the vegetables......
Hey!  What would you save?  ;-)

So currently, this is what my new freezer looks like.....



What I couldn't squeeze into either of the refrigerators freezer compartments I shoved into the fridge parts.  Most of what got put into the fridge parts will need to be cooked and used soon, as it won't keep but for so long.

Because of that, yesterday was also a very bad day for my healthy diet too.
Between the stress of the day and feeling the need to save/use as much of the food as I could, I ate A LOT.  Not "gosh, I'm going to burst!" eating but too much and some decidedly unhealthy things.
Like onion rings.....fried onion rings.  Between #2 Son and I, we polished off the whole bag yesterday.
And not a regular sized bag you get at the grocery store.
It was a restaurant supply sized bag.
But it was so good while I was doing it. lol

And then there were breaded chicken strips and 2 boxes of creamed spinach.
Ok, it was spinach but just too much salt for me now in these premade boxes of it.

So today, I am on a strict food intake plan.
Lots of water.
Mostly veggies(I can use up some of the none prepared veggies I need to save.)

I'll move some more of what is left into the fridge(like those red and yellow pepper strips in the photo there)as the temp. in the freezer is now below refrigeration recommended levels.

And this coming week's menu will see some Mexican food dishes(the peppers and homemade chili I had in the freezer), a meatloaf(also in the freezer),  pulled pork(ditto) and 2 beef dishes(since I couldn't fit all the steak I had into the little freezers so I cooked a crockpot full of beef yesterday).

Our #1 Son is coming home for a visit tomorrow and will be here all next week so having to cook all this meat is a happy coincidence, as he's a big time carnivore.
He will be more than happy to help me out and eat all this stuff! lol

As for yesterday and dealing with this deader than a door nail freezer......

Whirlpool was called first, as they claim to have made this lemon.
They will only pay for an authorized repair person to fix this and pay for the parts needed.
A 3 week old freezer and they will repair it NOT replace it.
This did NOT make me happy.
And if I am not happy, watch out.....

The CS person said the soonest she could get me an appt. was in a week.
Fantastic.
Then she went back into her database and found someone else in the area.
She was faxing the information to this authorized repair person and he/she would be calling me later that day to set up an appt.

While I was on hold with Whirlpool the mail lady came to the door to have me sign for a certified letter.  It was a summons for #2 Son in regard to his car accident.
Yep, he got a ticket.  Between that and his phone bill for July, there goes his whole paycheck he just got. 
Now he wasn't happy either.

I felt like I needed to DO something so I chatted online with the credit card company next.  I just wanted to have something on record asap with them if this came to having to dispute the charge with Home Despot, if they would not "do" something about the freezer.

In the meantime, while waiting for a call about repairing this POS freezer, I got on my cell to make other calls I needed to make.....like to reschedule a dr. appt. and to find out who was suppose to be sending me a new memory card(flash thingy)for my BiPAP machine, since the insurance had me mail them the card that came in the machine.  I ended up yelling at and then hanging up on a division of our insurance company that oversees durable hardware because they never returned my phone call on Monday and made me call again on Friday, plus they didn't include vital information in the literature they are constantly sending me, which would have AVOIDED this whole situation and not had me go 2 WEEKS without a memory card in the BiPAP.

Gee, let's make someone a tad on EDGE already, go over the sanity cliff, shall we?

Then I made a phone call to the contractor/repair person we have used before to schedule when he can come do the things we need doing in the house this Summer.
And he tells me, business is so good(plus they are so behind finishing jobs)that he can't fit me in until January 2014.
WTF?
Didn't someone tell all these people ahead of me on his schedule that there is a recession on and nobody had the money to afford remodeling/repairing stuff??lol
I am glad he was upfront with me, about the long timeline for getting to my jobs, but I was NOT expecting a 6 month wait!

So now I have to go to Plan B.
And no, Plan B is NOT to just not have the repairs done. lol
I'll be calling a franchised handyman service.....better yet, get 2 estimates from 2 different services and decide on which one to hire.

After hours of waiting on the Whirlpool repair person to call me, I thought, "What the hell am I doing here?!?  This blasted appliance is THREE WEEKS OLD!?  Who should have to REPAIR an appliance that dies when it's practically brand new?!  This is Bullshit!"

So I called Home Depot.
Well, first I went on the HD website because that is where I bought this freezer from.  And I called their 800 number.  And after a solid HALF AN HOUR on hold, they disconnected my call.
After that bullshit, then I called the local Home Depot.
And I started off talking to the poor woman in the appliance dept.  I really really tried not to take my foul mood out on her.  It was difficult, believe you me! lol

After explaining what had transpired so far and that I had decided that I just wanted to return the freezer, she put me on hold and went and talked to the store manager.  She came back and said that if I could get the freezer to the store, that he would accept it as a return.
WTF?

I told the woman that this was unacceptable, since I didn't own a delivery truck and I would have to RENT one(read SPEND MORE MONEY on this situation!)to return this major appliance.  It wasn't a dorm fridge I could shove into the back of my minivan and haul down.
She put me on hold again to go talk to the SM.
She came back and took my name/phone and said the SM would call me back later, as he was in a meeting.
So I left her the information and hung up.

And to my shock and surprise, a couple of hours later, the SM did call me.
After some talk about exchanging this lemon for another of the same freezer(no WAY in HELL!)I said I really wasn't amenable to owning this brand of freezer, especially not the identical model.  Having this experience has made me a bit gun shy in regard to owning a freezer.
So he sort of agreed with my POV and said he could come get the freezer on either Tues. or Wed. of next week with the store's truck and refund my credit card.

Now this local HD manager didn't have to make the decision to take this freezer back technically, because even though it was delivered from that store, I had bought it on the website.  He could have made me go through channels and waited for corporate to tell him to take it back.  But he didn't.
I guess he got a sense that if I had to go through any more bullshit over this stupid freezer, I might rent a truck anyway, bring it back to his store, dump it in the middle of their parking lot and set it on fire.  And he certainly wanted to avoid that, right?

And THAT idea had crossed my mind during the day on more than one occasion......

We did check with our homeowner's insurance, in regards to the loss of all that food when the freezer died and whether it was a coverable event in our policy.  Unfortunately for us, lightning didn't take out the freezer or our house hadn't burned down.  If it had, we would be entitled to compensation for the value of the food lost.

So in closing......
My son is broke until next payday.
My dr. appts. schedule is fine.
My BiPAP will be carded by early next week.
I have to go to Plan B in regard to our living room repairs.
My fridges are both running crammed full of food.
The credit card bill I paid for June will be retroactively going down when I get a refund on the freezer.
And I have a beautiful object d'art aka a new non-working freezer sitting in my garage until the middle of next week.

Oh, yes.....and the Whirlpool authorized repair person STILL  hasn't called me to set up an appointment 24 hours later.
This means I'll have to continue to Tweet and Facebook about how crappy anything or anyone connected to WHIRLPOOL really is.

Sluggy



 

Thursday, June 27, 2013

@^%*%^$#@$@^#&%^*&!!!

I swear I am so mad at this moment that I could bite the head off of a live chicken.

Remember that brand new Whirlpool freezer I bought and had delivered not 3 WEEKS AGO from HOME DESPOT?


Well it's dead as a doornail this evening.
I went out to the garage about 9 pm to get a dish of lime shebert and the shebert is green liquid.
I immediately felt the outsides of the freezer and they were cool to the touch.
Since it was purchased and delivered to my garage and plugged in 3 weeks ago,  the outside walls have been warm to the touch.
Now it's stone cold on the outsides of the thing.
And the compressor is not running.
But the interior light is on when you open the door.
And the interior temperature is slowing rising.
We didn't have a storm or a power surge and nobody had monkeyed with the circuit breakers.

The thing is dead after a mere 3 WEEKS and I want someone's head to roll for this!

Damn you Whirlpool!
Damn you Home Depot!!

Whirlpool is suppose to pay for parts and labor to repair this.....if it's repairable......but that isn't going to save all the food in the freezer!!!

And their "Customer Experience Center".....yes they call it that in their voice mail.....doesn't open again until 8 am ET.....because, you know, your new 3 week old appliance wouldn't possibly break between the hours of 8pm and 8am, right?
So I can't even BEGIN to locate an authorized repair person until tomorrow morning.

Meanwhile I have HUNDREDS of POUNDS OF FOOD rotting away in my garage!!!

Can you tell I am upset?

I had better go before I start swearing like a sailor.

THANKS ALOT HOME DEPOT AND WHIRLPOOL....THANKS FOR A BIG FAT LOAD OF NOTHING.

Pissed as hell and Needing medication about now Sluggy

Working on Designing the Living Room

THIS is MY big project for the summer.......




My living room

We use to have actual living room furniture in this room.....a sofa, a chair, a coffee table.
But we've never really used this room as a living room much.
It was storage space mostly....at first for our items we moved here from our old house and then as storage for my eBay escapades.
This and the ajoining dining room were gated off from the rest of the house a few years into living here, when we added dogs to the family.  These 2 rooms had WHITE carpeting(who in their right mind puts white carpeting in high traffic common areas of a 4 bedroom house!?!?)and 2 of the dogs developed the habit of wanting to use them for their.....ahem.....toileting needs.
Yah.....that didn't go over very well with moi.....!

Now it is time(WELL PAST TIME really)to turn this room into something more useful than for storage and with seating. 8-)

I need to have some work done before decorating came begin.
1-The new A/C system needs to go in.
2-What is in the room needs to go find homes elsewhere.
3-The walls and ceiling need some repair work done.
4-The crown molding needs to be finished.
5-The walls need painting.
6-The room needs new flooring.

We have begun the list.
#1 will be started on July 8th and should be finished up by July 10th at the latest.
Now I need to contact the handyman/contractor persons we have used in the past to take care of #2-6.
If they can't fit me into their schedule in a timely manner then I may go to a licensed handyman repair service that has a franchise here locally.  They can handle #2-5.
And then I'll have whichever store that we buy the flooring material from send their installers to take care of #6.

Then I can buy furniture, any accessory pieces I need and throw the room together.

Piece.
Of.
Cake.

Right? lol

Here is a pictorial(think Pinterest tho I don't do that)of what I have to put in the room so far and what I am considering.

The flooring will be bamboo, a light natural bamboo so you know.....



First the area rug I have already.....

 It's 3 tones of green(lime, olive, grasshopper), 2 tones of brown, beige and ecru.

For one of the walls I have this print......

It's a light yellow ochre tone with black in a thin black slat frame.

And I am doing an arrangement of shadow boxes with Japanese plates in them on the largest wall.
Here are some of the plates.

I have 9 different plate designs that I can change up.....


 The back of the plates.....I have no CLUE what this says....lol


And I have shadow boxes like this......

Mine aren't painted yet and they have backs.  I was going to paint them black but now I think I'll go with dark brown so they are not such a stark contrast to the walls and the plates....and brown ties in better with the rug, though the print I am hanging is yellow ochre and black.

Here is the kind of arrangement I am planning on.....


I was  thinking 4 or 6 shadow boxes, depending on what works best for the space.  With 9 plates I can change them around when I feel like it.

The walls are going to be some light shade of off white/ecru/etc.  Close to white but warmer....not orange.

Some of the furniture I am considering.....

 a smallish chaise sofa in a beige woven material....

 An accent chair in a circle pattern similar to the area rug in browns/tan/lt. blue/off white.
I am torn on the chair.  I don't want to be "matchy matchy" with patterns and colors....the chair is similar to the rug but the colors aren't quite jiving each with the other.  I don't know....this chair might be too busy with everything put together in the room.  I suppose I could put the room together without this chair(or another one I if I find something better)and then once it's all in the room, see if this will fit in style wise.

 A smallish reg. sofa in a med. brown woven material that comes with pillows that match the chair above.

My ideal sofa is a tan/light brown/darker than off-white option with a sectional/chaise feel.  Preferably in leather.
I like the styling of the sectional/chaise end look but most of the ones they make are just too HUGE for this room.  I don't want the couch to take up the whole space.  I don't need a sofa bed so that doesn't limit my selection of options.  I am thinking leather because I want to keep this sofa for a very long time and we just have a tendency to stain all our upholstered seating here.  Go figure. And no, I am not talking about the dogs getting up on it. lol
I would spend the extra money on leather if I could find one, the right color and small enough.  If I could find the sectional  style small enough I'd be in heaven. 8-))

If we have to go with a woven fabric instead of leather, I am leaning more toward the darker sofa, as it will show wear less.



This is a square ottoman/padded coffee table that opens up for storage and one side raises up flat for use so you can serve beverages and have it be a taller height when used for that purpose.

The ottoman/coffee table is dark brown.
My preference for this item is a round one but until recently I haven't found a round model I liked.  Boscov's has one advertised now for a good price similar to this one(only round)with storage but the storage is 4 separate comparments(each one small)plus it doesn't have the raised side/serving option.

I have this Dale Tiffany lamp which is Craftsman inspired to put into the room.....

He's the grandson or great grandson of the Tiffany and he makes lamps.  It's a tiffany style shade on an organic shaped brown textured ceramic base.

I also have a pair of Asian enameled Ginger Jar type lamps-which might not jive with my room's color scheme though so I am still up in the air on the lamps.  (They have some pink and seafoam and turquoise colors on the bases.)

I also have an Asian styled sofa table(tallish that goes behind your sofa)which I may or may not use as a behind the sofa table(depends on the arrangement of the furniture which isn't settled yet).  I may put this sofa table in the dining room as a side table if it doesn't work in the living room space.

As for the curtains, I have a bolt of fabric I have been carting around for 10 years now to make drapes for the room.......


It's a lime green mediumweight polyblend with a monochromatic all-over circle pattern.  This photo makes the color appear more washed out than it is.
It goes with the area rug well(same tone family)but I am scared that large swaths of this on the windows will sort of "overpower" the color scheme because it is so bright....not that I don't like it this bright. lol

So I took a swatch and tea stained it.....in the first photo the bolt of fabric color is closer to the actual color in person, in the second photo the swatch is closer to the actual color of the tea stained sample in person.....



The tea staining takes the 'sheen' off the material's color and tones it down a notch.  I'm not sure if it tones it down too much and makes it too boring.....the walls and sofa colors will be boring enough.

The curtains will be floor length tabbed curtains, like this.....

I had wanted to make grommet curtains like this.....

Though I can get large grommets, I can't find a way to affix them to the curtains as the fabric I have is sort of bulky.  I have been looking for grommet curtains in an acceptable color and fabric for YEARS now that will go with my rug and vision with no success.

Now, feeling that my lime green curtains might be too too much visually for the room I also picked up some other curtain options at BB&B last month......

 
 Green/brown/tan striped curtains panels with a slight sheen. One of the green tones in this drape matches the tea stained tone of my fabric swatch I dyed.
 I don't need or want the room darkening feature of these and I fear the stripes, though in my color scheme, would fight with the circular shapes in the rug.



A tan grommet drape in a dark off white.   It's plain and boring and will basically blend in with the wall color....but do I want that?  It is the ONLY grommet drape I've found that doesn't look like a cheap piece of garbage.


A tan silky(not sheer though)with a substantial sheen to the fabric drape.  It also has leaf/blossom patterns(line drawings)embroidered in a dark brown thread into the fabric in an all-over pattern.  You can make it out barely in the photo.
I am not sure if I like this embroidered stuff or not.  This drape is a bit darker in color than the previous boring drape above so it will stand out a bit from the wall color and the sheen and embroidery gives it a "pop"....and it's not too busy visually to fight with the rug and other patterns I might put in the room.

Another option would be to use one of these manufactured drapes and insert a length of my lime green fabric into one of the drapes.  Like a border piece at the top or bottom of the curtain like this.....


I was thinking I could cut off the bottom of the drapes and add a panel of lime green at the bottom as that would be easier than adding it in the middle or at the top like in the photo.  Though the panel near the top is pretty smart looking.....
Of course, if I do this, I would use either of the solid color off-white drapes to doctor up, NOT the striped drape.   The striped drape would be hideous with this treatment! lol

So that's where things stand at the moment in my decorating adventure.
I am going for clean, fresh, modern, uncluttered with an Asian feel.
At least that's what I am hoping for.....lol

Sluggy