Tuesday, July 2, 2013

This Week on the Dining Table

It's the "Oldest Son home for 6 days & We need to eat down all this frozen food since the new freezer died" Week.

 Let's get to it.....


 

Here's what was planned last week--

Sunday--Grilled Steak, Tossed Salad
Monday--Leftovers or BLTs
Tuesday--Crab cakes, stuffed clams, green beans
Wednesday--Breakfast for Dinner use eggs
Thursday--Grilled Hot Dogs on Rolls, Beans, Mixed Veggies
Friday-Something Chicken in the Crockpot with Veggies and Rice
Saturday--maybe Take-Out since #1 Son is due in that evening
 
Things went as planned until Thursday evening when I discovered the brand new freezer had shit the bed.....are you tired of me harping on this blasted appliance deal yet?  I know I am.....
 
Friday and Saturday were a free-for-all of "eat what I can't cram in the freezer and will go bad after a couple days in the fridge" Nights.  Not very good for my waistline but we survived it.
And #1 Son didn't come home Saturday; he came home on Sunday.

I spent $20.25 on $29.30 worth of groceries at a single store last week.   Some fresh produce, fruit and #2 Son wanted a frozen pizza.
 
Total spent in June was a whopping $280.74, so I had $119.26 leftover in my food budget.
Nice.
8-)))
 
 
Going into this week the leftovers that remain are--1 hot dog roll and half a container of half & half.
Because of the freezer, I had to cook up about 6 pounds of steak.....sniff, sniff......
I made a big batch of stroganoff and a crockpot of chili with it all.  The chili will be for the kids to eat for lunch and/or snacks this week.
 
It won't be a 'usual' week for us in the dinner category, as the oldest is home so that warrants some eating out and cooking things he likes(meaning lots of meat meals).
 
(I've made bold the leftover items I've used in the menu below.)

 Here's this week's meal plan--
 
Sunday--Beef Stroganoff over rice, Salad
Monday--Chinese takeout as Hubs is out of town(comes out of entertainment budget, not food)
Tuesday--Chicken Enchiladas(using pepper strips and chicken from freezer)
Wednesday--Not sure, 2 of us might be out of town for the day..Hubs will make pasta or have leftovers.....if we don't go, Quiche(using up half & half)most probably will be served and squash.
Thursday--Cook-Out(if the weather cooperates)-not sure what yet beyond dogs and burgers.
Friday--Red Robin(#1 Son's birthday meal he requested)(entertainment budget, not food)
Saturday--Beef Stroganoff over rice or Chicken Enchiladas leftovers, Brussel Sprouts
(Sunday next will be whichever leftover we don't have on Saturday too, along with some veggies. lol)

On the shopping list so far--Monterey Jack & Swiss cheese, fruit, eggs, squash and corn, rolls, chips, ground beef for the cook-out so far.
 
I've got my $400 food budget for July available and ready to start spending.

That's what's appearing on the kitchen table this week here at Chez Sluggy.

 What's getting fixed and served at your house this week?

Sluggy

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