Thursday, February 27, 2014

Rite-Aid This Week

$20 in +Up Rewards were expiring so grabbing last Sunday's Q insert, up I hiked to Rite-Aid on Wednesday.....


2 x GEAR(Irish Spring) items on sale $4 ea(but body wash rang up $3.99-20% disc. price).=$7.99
2 x Soft Soap hand soap pumps on  sale .99¢ ea.=$1.98
2 x Colgate toothpaste on sale $3.50 but 20% disc. less($3.43)=$6.86
2 x Colgate toothbrushes on sale $2.99=$5.98
1 x Palmolive dish soap(Rain check)=$.97
1 x RA plastic wrap w/20% discount=$2.23
Subtotal.....$26.01

Coupons Used
1 x $1/1 Gear bar soap ManuQ=$1.00
1 x $1/1 Gear body wash/deo item ManuQ=$1.00
1 x $1/1 Gear item Rite-Aid emailed Q=$1.00
1 x $1/2 Soft Soap soaps ManuQ=$1.00
1 x $1/2 Colgate toothpaste ManuQ=$1.00
1 x $1/2 Colgate toothbrushes ManuQ=$1.00
Coupon Total.....$6.00

$26.01-$6.00=$20.01

I used 2 x $10 +Ups and was left paying .01¢ OOP.



Niiiiiiice!

I also received back $13 in new +Up Rewards for buying this stuff.
($3 wyb 2 Gear items, 2 x $2 wyb 1 Colgate toothbrush, 2 x $3 wyb 1 Colgate toothpaste)

My Rite-Aid was out of the Mitchum(figures!)which was on sale for $2.99(and there was a $2/1 Q in Sunday's Q inserts so .99¢ after Q), so I got a rain check and next time I go in to use my +Ups I'll get that and use my $2 Q.

Toothpaste, toothbrushes, soaps and body wash go into the toiletries stockpile.
The plastic wrap we were out of so that's in the kitchen now.

I'm only $55 toward the $100 I need to earn a Buy & Earn reward and this ends on Saturday so it looks like Sluggy won't get there in time.  I could go spend $45 on Buy & Earn items we "need" but most of them are not on sale.....that's how they get you in this game....make you pay more than you have to, to get the reward, then "reward" you with a $15 +Up, so in the end it's not a deal.

I'll settle for getting $40.50 worth of items for .01¢ out of pocket and $7 in +Ups(since I spent down that many when I only got $13 in +Ups back when I used my $20 +Ups).

And I don't need to go back until March 12th when these new +Up Rewards expire.

All these deals are good through Saturday evening at Rite-Aid.

Sluggy
 

Wednesday, February 26, 2014

My Life & My Family.....the 1970's & Onward Part 1

*Ok, this family history will be an eye opener for some of you.  I was reticent to share all this until now.  It's not pretty but it's the facts(or the facts as I interpreted them).  Some may find some value in it but it's more for me to get my thoughts out on digital paper.  And it will provide a glimpse into what makes Sluggy tick.
If any of my family sees this I am sure I'll be getting a phone call or two about it. ;-)
*****************************************

You know the old adage....."Sometimes things are not as they seem.". 

There was lots of "stuff" going on under the surface that I was totally unaware of as a child.
For all intents and purposes our family was "normal" and boring. 
I had a mom and dad. 
Dad worked a lot.
Mom stayed home and took care of us and the house. 
We had a dog. 
I went to school and played outside with the kids in the neighborhood on the weekends. 
We had to go to Church on Sunday. 
On Christmas we got some toys.
On our Birthday we got a cake.
Family visited about once a year or we visited family.
Otherwise it was a familiar routine and boring and not much changed or happened the first 12 or so years of my life.....besides the death of 3 of my grandparents, but we'll go there another time.

When I hit the teen years, my day-to-day life changed.  In the early 1970's my mother ended up in a private psychiatric facility.  I don't recall the exact date or year, though I think it was 1972, but it was when I was still in elementary school(though the school went to grade 8 so it was probably when I was in 7th or 8th grade).  I don't recall the exact explanation for this I was given IF I was given one at all. 
My parents at this time were heavy drinkers(but still functional), so it might have been a way to "dry" mom out.  Or she may have been having anxiety(I don't doubt that married to my father, she had high anxiety levels for years!).  I don't know the diagnosis of her problem at that time. 

Being able to look back on what went on before this time, I have my own theories on what led my mother to this point by the 1970's. 

My parents, Senior Prom Portlock High School 1950.  Dad was a Senior, mom was a Sophmore.

She dropped out at her Junior year of high school, married at 16 in June of 1951, had her first baby in December of that year, at 17.  You do the math. ;-) 
By 25 she had 3 children. 
She never had a career outside the home, only working briefly when we were small, as a secretary for my father in one of his businesses he started.  She did get her GED but other than that and the brief stint working, she was a homemaker. 


Basically she had 4 kids since my father refused to do anything for himself.  As his business grew mom was also expected to entertain clients for my father.  She enjoyed the buying clothes, getting her hair done, the jewelry and the travel.  It was all she had hoped for.

At some point, my mother wasn't enough for my father.  She wasn't bright enough, educated enough, wasn't part of his business world and friends.  She tried hard to feel equal to the people my father chose to hang out with(the social climbers)but she just didn't measure up in his eyes as time went on.  I am sure the fact that she was growing older and not young and attractive anymore played into this.  My father had always been a robust drinker as long as I can recall.  I think in order to "get along" and be part of the crowd my mother began to drink more.....sort of the film, "The Days of Wine & Roses" in real life.

So my mother drank to excess in order to be accepted and keep her husband.  I don't feel that alcoholism was her real problem.  Because once the situation changed, she stopped drinking except for a glass of something on special occasions.  Other than anxiety and some depression(due to losing her parents and her husband berating her)I don't think my mother ever really did have any mental illness.  Nothing heavy at least.


          Mom April 1968.  2 Months after her father passed away.  She was 33.

Then within 6 months of the other, mom lost both her parents by early 1968.  So by 1972 her parents were gone, her husband was slipping away and 2 of her 3 kids had left the nest.  She inherited some property and money when her parents passed and she turned everything over to my father's control, since he handled all the family finances.  Later, when divorce started to be talked about and lawyers got involved it was learned that my father had lost most of the inheritance money in bad business ventures and there was nothing left for my mother to lay claim to for herself if a divorce were to happen.
                   Mom, Easter 1948.  She is on the left.

I have never seen my mother as being a "strong" person.  She was a pampered only child, doted on by her parents.  She went from her mother's arms to her husband's, the only man she ever loved.  That love blinded her to all the faults of my father and she refused to let him go when he decided he no longer loved her.  He WAS her life and when he left she had nothing and spent many years bitter.  It is only after he left that she was able to develop into her own person, someone with a backbone and an independent mind.  I don't know.....she may have had that all along, but I never saw it.


This private psychiatric facility was a place for people with a hodge-podge of medical and mental ailments.  Some of the clientele I saw there when I visited ranged from substance abusers to folks with heavier mental ailments like severe depression, multiple personality, schizophrenia, bipolar disorder and on and on.  I don't believe they took those who were "violent"(other than self hurters).  It was also where the local people with the money sent their teens with drug problems to keep them out of jail or "real" mental institutions, so there were many young people locked up in this place. 

Being a private facility you had to be able to afford it to be a client(and/or have Cadillac insurance coverage) and it seemed like a nice resort, an escape from reality, to me.  The meals were great, you got to go on field trips and outings, there were activities and the only things you HAD to do were attend a group meeting once a week, have a session or two with your "shrink" and keep your room clean. 
Hell, if I was a haggard housewife with a husband who never lifted a finger to help around the house or with the kids, this place would be like heaven to me! lolz

         Me and my dog Annie Easter 1971, the year before my world starting going to hell.

Both of my brothers were out of the house(in college)so I was the only child home by the Fall of 1971.  My father worked late every night so by early 1972, I rose in the morning after he left for the day and came home to an empty house(well, the family dog was there)and was expected to take care of myself totally.  My father came home late, sat on the couch eating bags of cookies and falling asleep watching tv.  He didn't know how to cook and would eat out every night and I was left to fend for myself.  On occasion one of my brothers would be home from college on break and help out. I was attending a parochial school to which I walked, and in 1973 when I started high school, with no one to drive me since this school was too far away to walk, I had to learn to take the public bus. 

 
Mom Christmas 1973, looking kind of drugged up. She got a pass to come home for awhile.


1973, our last Christmas in this house.  I was a high school freshman. Notice the glare on my face.


My mother bounced back and forth for a couple years between this psychiatric facility and our house and I never knew when she'd be home, one day to the next.
After we moved to a new house in Virginia Beach, things seemed to settle down for awhile and mom was home for a year or two, before starting that familiar ping ponging between home and the hospital.   I remember, after I got my driver's license that I became the "fetch it" person to bring mom home or back to the hospital and to bring her stuff she wanted.  I got to be a servant because my father couldn't be bothered to do anything related to the family.  When I graduated from high school I remember that mom was checked in again but got a pass to come to the graduation and such. 

Eventually, after I left home for college my mother ended up in the mental ward at a local Hospital, for two stays I believe over the course of the next year.
In 1977, months after I went away to college my mother attempted suicide.  I had to leave school to go home 3 weeks before I was to perform in the main role of my first college production.  I got back to school the week before opening night.  Ironically, my character was an insane person in Elizabethan era England.  I got RAVE reviews for my efforts and many were floored that a person of my age could have pulled off that part so well.  I think my state of mind at that time and having spent so many hours of "people watching" on visits to my mother in mental facilities helped my performance. ;-)

And then mom was committed to Eastern State Hospital in Williamsburg, VA.  I remember visiting her there one time while I was home from college my freshman or sophmore year.  That place was a snake pit in the late 1970's.  I remember her begging me to get her out on that visit, but I was 19 years old and trying to keep my own self together and had NO clue about how to go about doing what it would have taken, if it was even possible.  Why she wasn't asking my much older brothers for help I don't know and why she was laying all this on me I can't fathom.

You see, my father had had her committed there, involuntarily.  In the state of VA at that time, a spouse could have you committed against your will for more than a 48 hour hold.
I suspect my father did this in retaliation because she won't give him a divorce.  So he had her committed against her will to this vile and dangerous place.  She told me on the one visit I made to her there that she had already been assaulted once(and no one did anything because who was going to believe a crazy person!?)and had had her shoes stolen by another inmate.  It didn't seem like people were segregated by degree of illness in this hell hole.   Everyone was just left to wander loose.

My mother had only ever been to that private fancy pants pseudo facility and then the General Hospital's mental illness floor in Norfolk, VA.  I am sure this place scared the hell out of her.
Shortly after this time was when I found out that either at Williamsburg or some place else during this time frame my mother was given electroconvulsive therapy, also knows as electroshock treatments.  My mother was not a severely mentally ill person so I think these were administered as a punitive measure.  And what's more, my father allowed them to do this is what just blows my mind!

Mom didn't remain in Eastern State for very long.  I suppose she was compliment after a time in there and with her "therapy" treatments and subsequent memory loss, she went home and entertained thoughts of divorce which made my father happy.
In 1979 my mother went home to a big empty house, which my father had moved out of basically in the Winter of 1977.

So my mother got a lawyer, not a very good one, and she spent the next 10 years fighting over anything she could to delay my father from obtaining his divorce from her. 
I think she really dug her heels in when she found out that my father was keeping a mistress and subsequently was openly living with her.  I don't blame my mom really.  I probably would have done the same thing.  ;-)
In a way, my father and "that whore", as mom called her, helped my mother find her voice and her backbone.

Sluggy

Tuesday, February 25, 2014

This Should Scare You Into Taking Action



I think this piece was done to try to scare the hell out of those in our society who are NOT, for whatever reason, saving for retirement.
And it should scare you if you have made some of the choices these folks have.

http://finance.yahoo.com/news/-i-m-never-going-to-be-able-to-retire--134736593.html?vp=1

Go on and watch it and then come back.
Also read some of the volumes of comments after the article.

The maker of this segment throws out these statistics during this film......

1/3 of the workforce is saving nothing for retirement.
40% of 55-65 year olds do not own retirement assets.
15% don't think they will ever be able to retire.
Women outlive men(by about 5 years on average), but save less.

I haven't researched these numbers but I'll take it at face value that they are fairly ballpark.
While these statistics don't shock me, they do give me pause.

I love how the one woman in this article says she just can't save any money for retirement.
I say bull to that.  Unless she's supporting a bevy of folks and flipping burgers for a living, and/or has a medically fragile child and no health insurance for them, she can save something for her old age.  She, like many people, just doesn't want to reduce her standard of living in the now, to afford something more than eating Alpo in her last years.

Now I'm not talking about folks who get very sick in their 50's and 60's and have inadequate insurance coverage and end up losing everything to medical debt.  These seem like fairly healthy older people in this piece.
Do folks not understand that at some point, their health will not ALLOW them to work, if they can even hold/get a job in their 60's?

And the 60 year old woman who had to "reinvent herself", went to college at 60 and is living off of student loans.
WTF?!?!
What idiot loan officer said giving someone this age with no prospects $200K in student loans she can't possible pay off in her lifetime was a prudent financial move?
And that woman admits she'll never pay them back and sits there, grinning like a Cheshire Cat about it?!

Then there's the one who says everyone she knows is struggling to pay their bills and cant' save and they joke about living communally to survive their Golden years.
So why joke about this?  They may joke about it, but banding together with others in a similar situation and living communally is a GREAT financial move!
How the heck do you think families survived generations before when money was tight?
They would live together, many generations of a family cohabitating.
Heck, in Pawtucket RI, where I've visited, there are neighborhoods of HUGE houses built in the 1800's, built for the express purpose of holding multiple generations of a single family(along with cousins, aunts and uncles too sometimes).

This reminds me of a conversation I overheard in an IHOP restaurant at the height of the housing crisis a few years back.  A guy sitting at an adjoining table was chatting with the gregarious waiter, bemoaning the fact that he couldn't pay his mortgage for some reason and he was going to lose the house he loved.  The guy was resigned to this loss.  The waiter, who shared he was in a similar situation, couldn't pay his mortgage fully now that his ARM had adjusted, was waiting tables here, besides holding down his fulltime job to be able to afford his home, as he really didn't want to sell it.  The waiter told the guy additionally that he was renting out bedrooms in his home to bring in more money to pay the mortgage and he should consider doing that as well.
The customer gave him a look like he had just told him he had peed into his coffee cup and went on sputtering how he could NEVER consider that and have strange people in his house while he was living there.  "What a preposterous idea!", he barked.  The waiter shrugged his shoulders and walked away saying, "Hey, you do what you have to...."

The biggest mistake some people make in life is to remain inflexible and not consider solutions they find ghastly like cohabitation.  I guess he thinks it's better to lose the home and live on the streets?

But I digress.....

While I don't know the whole story with most of those presented in this clip,  I'll point out that some of these folks have made some really bad choices in life from the little bit they have said.

Unless you are destitute and have no health left, there are always ways to get out of the hole you've dug for yourself and change your outlook.
It's all about making better choices in your life and everyone has room for improvement there.
If you are so inflexible to not consider changing things that don't lead you toward where you want to be, you might as well dig a hole and go lay down in it now.

The mistake with retirement is that most people don't even think about sitting down before retirement time comes, and doing some math to see how much they will need when they retire compared to how much they have now set aside, if they have anything set aside for their old age.

That's their first mistake when choosing when and if to retire.
Of course, if you are too far out from retirement, it's hard to figure out exactly how much you will need, as that number continues to climb as inflation climbs.
But by the time you are in your late 40's(and still in good health, earlier if your health is questionable), you should get cozy with your asset numbers and start laying out a specific plan and timeline.

Once into your mid 50's sitting down with a financial calculator to project what level of income you'll be able to sustain in your retirement at your current savings levels is necessary so you can adjust how much you are putting away if you are falling short of your goal.
Also, take a real hard look at how much you will need to generate each month in retirement to cover the expenses the lifestyle you are planning will require.
Go into this expecting to need more than you think you will need.

Ok, I am not a financial planner, nor do I play one on the internet, so I'll stop here.

Nobody is going to look out for you in your old age but YOU! 
It will be nice if SS is still around to supplement your savings when you receive your gold watch(do companies even do that anymore when you retire?)and head off into your Golden years.

Stop spending all your wealth in the here and now!
You will need it more when you are old and sick.
Don't expect the government to take care of you then.

Change your spending and savings habits NOW before it's too late!
And don't go and take out massive student loans at age 60 either, if you can find an idiot who will give them to you...... ;-)

Sluggy


 

Monday, February 24, 2014

This Week on the Dining Table

The "My Baby Turned 18 on Saturday" Edition.......

Here he is with his gifts--
 
And here is is with his gifts after I forced him to smile for a change......


 
 
And here is what was planned last week---
 
Sunday--Leftovers
Monday--Dinner Out using gift card
Tuesday--Cheese Steaks w/peppers and onions
Wednesday--Rigatoni w/Meat Sauce, Mushroom Parmesan, Asparagus
Thursday--Fish, Sugar Snaps, Roasted Potatoes
Friday--Chicken Risotto, Salad or Leftover Asparagus
Saturday--Leftovers Again
 
And here is what actually happened---
 
Sunday--Leftovers
Monday--Dinner Out using gift card
Tuesday--Cheese Steaks w/peppers and onions
Wednesday--Fish, Asparagus
Thursday--Rigatoni in Meat Sauce, Sugar Snap Peas
Friday--Pizza(I had Eggplant Parm)*Hubs got 2 med. pizzas free with a gift card.
Saturday--Leftover Eggplant Parm


Everything served as planned except the Risotto because I bought some Eggplant Parm on Friday which was on sale at the store.  The Risotto moves to this week.
 
I spent a total of.......$65.01 on groceries last week, including the $1 I spent at Rite-Aid.  Evidently I didn't try very hard to only spend the $9.28 left in my February food budget.
Food spending for February to this point is $355.83. 
 
We had food waste last week.....a bit of Chicken Fajita filling.
 
Going into the new week here are the leftovers we have.....Rigatoni and Meat Sauce, 1 helping of Fish, 2 slices of pizza.  Fresh produce left are 2 bundles of asparagus.  It was on special last week and I'll eat this every day for lunch until it's gone if nobody wants it for dinner again.  I "heart" asparagus....
I also have a frozen turkey breast(bought on special last week)in the fridge which will be cooked by midweek(after it thaws), giving me 1-2 dinners(it's a real small one), or 1 dinner and meat for lunch sandwiches.
 
Here is this week's meal plan----

Sunday--Leftovers(I had a big plate of Asparagus.)
Monday--Chicken Risotto, Asparagus
Tuesday--Birthday Dinner Out
Wednesday--Roast Turkey, Carrots, Potatoes of some sort
Thursday--Dinner Out(last of gift card & coupon)
Friday--Beef Roast and some sort of fresh veggie I buy this week
Saturday--Leftovers

That makes 3 new meals, 2 meals out and 2 leftover or planned over meal.

What I need to purchase for this menu?.......Beef Roast, a fresh veg, Carrots.  Everything except Sun. and Mon. meals are subject to change this week.  The turkey will be cooked and served but other than that, this is all tentative.
 

 What is getting fixed and served at your house this week?
 

Sluggy

Sunday, February 23, 2014

Consider What's Below & Apply to Your Own Life

Thought to be the oldest Holocaust Survivor, Alice Herz-Sommer died on Sunday.
She was 110.

A remarkable woman in so many ways.
She survived the Theresienstadt Concentration Camp in Czechoslovakia by playing in the camp orchestra.
She also kept her young son alive there and he was one of the few children to survive that camp until liberation.

The short documentary, "The Lady in Number 6: Music Saved My Life", about her life, is up for an Academy Award next month.

Here is a short video about her done a year ago.....
 


We could all learn a lot from this woman....

Sluggy