Just to report in that we are up $8,993.06 from November's Net Worth.
That's $5188+ on the retirement accounts and $3804+ on the non-retirement accounts and spare cash.
Off to do my $24K Savings Challenge report.
Sluggy
Thursday, December 4, 2014
December Net Worth Quickie
Just to report in that we are up $8,993.06 from November's Net Worth.
That's $5188+ on the retirement accounts and $3804+ on the non-retirement accounts and spare cash.
Off to do my $24K Savings Challenge report.
Sluggy
Wednesday, December 3, 2014
Groceries This Week
Well so much for just buying eggs at the grocery store this week. ;-)
I went up to Weis(PMITA)Markets for eggs....2 dozen for $3.
But I ended up buying all this......
While I was in the store I browsed the produce. After last week's carb fest I was feeling the need for more greens.
I found cole slaw mix, baby salad greens and collards all 1/2 price w/instant discount stickers.
I also found croissants 1/2 off on the bakery rack.
We needed Greek Yogurt and a big tub of Cabot was $3.50.
The coffee was BOGO and I had a $1/1 Q so 2 bags for $4.69 total.
I was craving a pork tenderloin sandwich so picked up a small pack of that.
I found fresh cod fillets for $4.88(to go with the cole slaw of course).
The perdue breaded chicken cutlets were on sale $4 and then another 40% off so 2/$4.80.
Then I found meat discount stickers on some no nitrite bacon and hot dogs making them reasonable in price.
The best find was packs of Dogfish Head Brats......
$6.99 on sale for $5.99 this week.
These had $2 instant discount stickers($3.99)AND .75¢ peelie Qs(which doubled to $1) so I paid $2.99 out the door per pack. Not bad for a special treat I don't pick up often.
OOP $39.91 on $72.21 of groceries.
A 44% savings rate.
I can live with that. 8-)
Sluggy
I went up to Weis(PMITA)Markets for eggs....2 dozen for $3.
But I ended up buying all this......
While I was in the store I browsed the produce. After last week's carb fest I was feeling the need for more greens.
I found cole slaw mix, baby salad greens and collards all 1/2 price w/instant discount stickers.
I also found croissants 1/2 off on the bakery rack.
We needed Greek Yogurt and a big tub of Cabot was $3.50.
The coffee was BOGO and I had a $1/1 Q so 2 bags for $4.69 total.
I was craving a pork tenderloin sandwich so picked up a small pack of that.
I found fresh cod fillets for $4.88(to go with the cole slaw of course).
The perdue breaded chicken cutlets were on sale $4 and then another 40% off so 2/$4.80.
Then I found meat discount stickers on some no nitrite bacon and hot dogs making them reasonable in price.
The best find was packs of Dogfish Head Brats......
$6.99 on sale for $5.99 this week.
These had $2 instant discount stickers($3.99)AND .75¢ peelie Qs(which doubled to $1) so I paid $2.99 out the door per pack. Not bad for a special treat I don't pick up often.
OOP $39.91 on $72.21 of groceries.
A 44% savings rate.
I can live with that. 8-)
Sluggy
Sunday's Rite-Aid Trip & Today's 4 Day Sale Trip
I have $40.15 in Up Rewards to roll in the next 2 weeks so up to Rite-Aid I toddled.
My first transaction I had a $3 off $30 Catalina that spit out on Saturday on one of my cards so the goal was to get to $30 before Qs......
2 x Spinbrush on sale $5.99=$11.98
2 x Vaseline on sale $5.99=$11.98
5 x Gerber baby foods on sale but 20% discount better at $1.51=$7.55
SubTotal......$31.51
Coupons Used
1 x $3/$30 purchase Catalina Q=$3.00
2 x $2/1 Spinbrush(on Arm & Hammer website)IPQ=$4.00
1 x BOGOFree Vaseline ManuQ=$5.99
1 x $2/1 Vaseline Hangtag ManuQ=$2.00
1 x $2/1 Vaseline 20oz. Video ValuesQ=$2.00
1 x $1/5 Gerber foods IPQ=$1.00
Coupon Total.....$17.99
I also used a Unilever/Feed a Friend Donation Q(the company will make a donation to that organization wyb a Unilever product-Vaseline). That Q expires today so I was glad to have the opportunity to use it though I derive nothing for it, besides the satisfaction. 8-)
Anyway, back to our transaction details--
$31.51-$17.99=$13.52 + .11¢tax=$13.63
I should have used $13 in +Ups and paid .63¢ OOP.
But the register wouldn't take 3 of my Qs-$1/5 Gerber, the second $2/1 Spinbrush and the $2/1 Vaseline Video Values, making my total $18.63.
So I paid $18 in +Ups and .63¢ OOP and then they gave me $5 for those 3 Qs out of the register.
I received back $19 in new +Up Rewards(2 x $3 Spinbrush, $3 Arm & Hammer wyb $10, 2 x $3 Gerber wyb 2, 2 x $2 Vaseline).
I am "up" $1 in +Ups and $5 back(the $5 +Ups I should have used converted to cash)for this transaction.
And the Catalina machine spit out another $3 wyb $30 Q for this card! lolz
Then I bought on my card.......
2 x Vaseline Men's Spray on clearance $4.14=$8.28
1 x Newspaper=.99¢
Subtotal......$9.27
Coupons Used
2 x $2/1 Vaseline Spray Video ValuesQ=$4.00
1 x .50¢/1 Vaseline Spray Load2Card=.50 *
Coupon Total.....$4.50
$8.27-$4.50=$4.77
I used $4.59 in +Up Rewards and paid .18¢ OOP.
I received back $4 in new +Up Rewards(2 x $2 Vaseline).
Total for the day spent......81¢ then got back $5 so spending is negative $4.19. ;-)
$12.59 in old +Ups used, $23 in new +Ups back.
$17.57 in old +Ups to roll + $23 in new +Ups gives me $40.57 at the moment.
The SpinBrush Deal double dips this week. The SpinBrushes give a $3 +Ups per brush(limit of 2 per card/account) AND as they are Arm & Hammer products they also give a $3 +Ups when you spend $10 on A&H products.
So buy 2 SpinBrushes for $11.98. Use 2 x $2/1 Qs and pay $7.98(+ tax) and get $9 in +Ups back(1 for each Spin Brush and 1 additional for spending over $10 on A&H).....a $1.02 moneymaker.
Nice.
* The .50¢ Load2Card Vaseline spray Q was totally unexpected, but I'll take the savings! lolz
Then I went back up today for the 4 Day Sale Deals.
The problem was the Spin Brushes are part of this 4 Day Sale as a BOGO Free Deal and now aren't $5.99 each but you pay $9.99 or $11+ depending on the type you pick for 1 and the 2nd one is free.
You still get the $3 +Ups for each one(even the free one)but this is a worse deal than what it was earlier in the week.
Before you paid $11.98-$4 in Qs, paying $7.98 and got 3 x $3 +Up Rewards back.
During the 4 Day Sale you pay $9.99 but you can only use 1 x $2 Q(b/c the other brush is free), so $9.99-$2 in Qs, paying $7.99 and get only 2 x $3 +Up Rewards back, because now your total for Arm & Hammer/Spin Brush spending is only $9.99 before Qs instead of $11.98 before Qs so the $3 +Ups wyb $10 doesn't get tripped as you are 1 cent from $10 in spending.
Got that? lolz
So here is what I did today........I did end up spending down some +Ups as there were good deals, not free but good.......
2 x Spin Brushes or refills BOGO=$9.99
2 x Arm & Hammer toothpaste BOGO=$4.99
2 x Kleenex BOGO=$2.79
2 x Lipton tea bags BOGO=$4.29
4 x Scotch tape 2/$2=$4.00
1 x Aleve PM 20% wellness discount=$5.43
1 x Dial Hand Soap on sale=$1.49
SubTotal.......$32.98
Coupons Used
1 x $2/1 Spin Brush IPQ=$2.00
1 x $1/2 Arm & Hammer toothpaste IPQ=$1.00
1 x $1/2 Kleenex Load2Card Q=$1.00
1 x $1/2 Kleenex Facebook Q=$1.00
1 x $1/2 Lipton products ManuQ=$1.00
2 x $1/1 Scotch product VideoValues Q=$2.00
1 x $2/1 Aleve PM MaunQ=$2.00
1 x $2/1 Aleve PM Q given out in store valid today only=$2.00
1 x .75¢//1 Dial hand soap Facebook Q=.75¢
Coupon Total.....$12.75
$32.98-$12.75=$20.23
I used $19.98 in +Up Rewards and paid .28¢ OOP.
I received back $11 in new +Up Rewards(3 x $3 Arm & Hammer, 2 x $1 Scotch tape).
The Aleve PM purchase puts me over $25 spent so I'll be getting a $5 SavingStar cash refund.
The only free items(give back +Ups for what I paid out)were the Aleve PM and the Scotch tape rolls.
The Dial hand soap cost me .75¢, the tea bags cost me $3.29(for 2 boxes) and the Kleenex cost me .79¢ for 2 boxes(the Facebook Q and the Load2Card Q stacked). The 2 toothbrushes and 2 toothpastes cost me $2.98 for all 4. I have more SpinBrush Qs to use with my 3rd Wellness card but probably won't do that deal anymore this week as it costs me +Ups now with the 4 Day Sale.
So I am "down" $8.98 in +Ups for all this but I am "up" a $5 cash rebate.
Sluggy
My first transaction I had a $3 off $30 Catalina that spit out on Saturday on one of my cards so the goal was to get to $30 before Qs......
2 x Spinbrush on sale $5.99=$11.98
2 x Vaseline on sale $5.99=$11.98
5 x Gerber baby foods on sale but 20% discount better at $1.51=$7.55
SubTotal......$31.51
Coupons Used
1 x $3/$30 purchase Catalina Q=$3.00
2 x $2/1 Spinbrush(on Arm & Hammer website)IPQ=$4.00
1 x BOGOFree Vaseline ManuQ=$5.99
1 x $2/1 Vaseline Hangtag ManuQ=$2.00
1 x $2/1 Vaseline 20oz. Video ValuesQ=$2.00
1 x $1/5 Gerber foods IPQ=$1.00
Coupon Total.....$17.99
I also used a Unilever/Feed a Friend Donation Q(the company will make a donation to that organization wyb a Unilever product-Vaseline). That Q expires today so I was glad to have the opportunity to use it though I derive nothing for it, besides the satisfaction. 8-)
Anyway, back to our transaction details--
$31.51-$17.99=$13.52 + .11¢tax=$13.63
I should have used $13 in +Ups and paid .63¢ OOP.
But the register wouldn't take 3 of my Qs-$1/5 Gerber, the second $2/1 Spinbrush and the $2/1 Vaseline Video Values, making my total $18.63.
So I paid $18 in +Ups and .63¢ OOP and then they gave me $5 for those 3 Qs out of the register.
I received back $19 in new +Up Rewards(2 x $3 Spinbrush, $3 Arm & Hammer wyb $10, 2 x $3 Gerber wyb 2, 2 x $2 Vaseline).
I am "up" $1 in +Ups and $5 back(the $5 +Ups I should have used converted to cash)for this transaction.
And the Catalina machine spit out another $3 wyb $30 Q for this card! lolz
Then I bought on my card.......
2 x Vaseline Men's Spray on clearance $4.14=$8.28
1 x Newspaper=.99¢
Subtotal......$9.27
Coupons Used
2 x $2/1 Vaseline Spray Video ValuesQ=$4.00
1 x .50¢/1 Vaseline Spray Load2Card=.50 *
Coupon Total.....$4.50
$8.27-$4.50=$4.77
I used $4.59 in +Up Rewards and paid .18¢ OOP.
I received back $4 in new +Up Rewards(2 x $2 Vaseline).
Total for the day spent......81¢ then got back $5 so spending is negative $4.19. ;-)
$12.59 in old +Ups used, $23 in new +Ups back.
$17.57 in old +Ups to roll + $23 in new +Ups gives me $40.57 at the moment.
The SpinBrush Deal double dips this week. The SpinBrushes give a $3 +Ups per brush(limit of 2 per card/account) AND as they are Arm & Hammer products they also give a $3 +Ups when you spend $10 on A&H products.
So buy 2 SpinBrushes for $11.98. Use 2 x $2/1 Qs and pay $7.98(+ tax) and get $9 in +Ups back(1 for each Spin Brush and 1 additional for spending over $10 on A&H).....a $1.02 moneymaker.
Nice.
* The .50¢ Load2Card Vaseline spray Q was totally unexpected, but I'll take the savings! lolz
Then I went back up today for the 4 Day Sale Deals.
The problem was the Spin Brushes are part of this 4 Day Sale as a BOGO Free Deal and now aren't $5.99 each but you pay $9.99 or $11+ depending on the type you pick for 1 and the 2nd one is free.
You still get the $3 +Ups for each one(even the free one)but this is a worse deal than what it was earlier in the week.
Before you paid $11.98-$4 in Qs, paying $7.98 and got 3 x $3 +Up Rewards back.
During the 4 Day Sale you pay $9.99 but you can only use 1 x $2 Q(b/c the other brush is free), so $9.99-$2 in Qs, paying $7.99 and get only 2 x $3 +Up Rewards back, because now your total for Arm & Hammer/Spin Brush spending is only $9.99 before Qs instead of $11.98 before Qs so the $3 +Ups wyb $10 doesn't get tripped as you are 1 cent from $10 in spending.
Got that? lolz
So here is what I did today........I did end up spending down some +Ups as there were good deals, not free but good.......
2 x Spin Brushes or refills BOGO=$9.99
2 x Arm & Hammer toothpaste BOGO=$4.99
2 x Kleenex BOGO=$2.79
2 x Lipton tea bags BOGO=$4.29
4 x Scotch tape 2/$2=$4.00
1 x Aleve PM 20% wellness discount=$5.43
1 x Dial Hand Soap on sale=$1.49
SubTotal.......$32.98
Coupons Used
1 x $2/1 Spin Brush IPQ=$2.00
1 x $1/2 Arm & Hammer toothpaste IPQ=$1.00
1 x $1/2 Kleenex Load2Card Q=$1.00
1 x $1/2 Kleenex Facebook Q=$1.00
1 x $1/2 Lipton products ManuQ=$1.00
2 x $1/1 Scotch product VideoValues Q=$2.00
1 x $2/1 Aleve PM MaunQ=$2.00
1 x $2/1 Aleve PM Q given out in store valid today only=$2.00
1 x .75¢//1 Dial hand soap Facebook Q=.75¢
Coupon Total.....$12.75
$32.98-$12.75=$20.23
I used $19.98 in +Up Rewards and paid .28¢ OOP.
I received back $11 in new +Up Rewards(3 x $3 Arm & Hammer, 2 x $1 Scotch tape).
The Aleve PM purchase puts me over $25 spent so I'll be getting a $5 SavingStar cash refund.
The only free items(give back +Ups for what I paid out)were the Aleve PM and the Scotch tape rolls.
The Dial hand soap cost me .75¢, the tea bags cost me $3.29(for 2 boxes) and the Kleenex cost me .79¢ for 2 boxes(the Facebook Q and the Load2Card Q stacked). The 2 toothbrushes and 2 toothpastes cost me $2.98 for all 4. I have more SpinBrush Qs to use with my 3rd Wellness card but probably won't do that deal anymore this week as it costs me +Ups now with the 4 Day Sale.
So I am "down" $8.98 in +Ups for all this but I am "up" a $5 cash rebate.
Sluggy
What in the Pan Fried Hell?!
Is the World going nuts lately or what?!
Last week here there was a shoot out between a cop and a druggie in broad daylight in the parking lot next to the CVS in Wilkes-Barre. This is the same CVS where my daughter rammed my van into the pole holding the awning at the front of the store when she was learning to drive and near a Chinese restaurant we like to go to on occasion.
On Monday when I went to my closest KMart the parking lot was swarming with police cars. Assorted cops where asking people in the parking lot whether they saw anything amiss in the parking lot caused by the HOME INVASION that happened that morning a block away from that store.
And my local news feed this morning is reporting about a worker at Weis Markets in a nearby town who was stabbed in the back, with a pair of scissors, by a customer in that store.
WTF?!?!
Is the moon almost full or is it the gloomy weather lately or just a big case of the Christmas Whackos?
UPDATE-The whacko with the scissors told the police officers that he is a pirate who came to American on the Santa Maria in 1776. 8-P
It's getting to the point where I just don't want to leave my house......
Sluggy
Last week here there was a shoot out between a cop and a druggie in broad daylight in the parking lot next to the CVS in Wilkes-Barre. This is the same CVS where my daughter rammed my van into the pole holding the awning at the front of the store when she was learning to drive and near a Chinese restaurant we like to go to on occasion.
On Monday when I went to my closest KMart the parking lot was swarming with police cars. Assorted cops where asking people in the parking lot whether they saw anything amiss in the parking lot caused by the HOME INVASION that happened that morning a block away from that store.
And my local news feed this morning is reporting about a worker at Weis Markets in a nearby town who was stabbed in the back, with a pair of scissors, by a customer in that store.
WTF?!?!
Is the moon almost full or is it the gloomy weather lately or just a big case of the Christmas Whackos?
UPDATE-The whacko with the scissors told the police officers that he is a pirate who came to American on the Santa Maria in 1776. 8-P
It's getting to the point where I just don't want to leave my house......
Sluggy
KMart Double Coupons
KMart is doing Double Coupons this week(up to 5 Qs double when you spend $25 or more)and as I had to go to KMart anyway for a pick-up this week, I put together a transaction using my Qs.
The point was to find items on sale this week at KMart and pair them up with high value Qs that would double.
I did moderately well but not great and I couldn't find enough $2 Qs to pair with sale items.
Here is the best I could do. It's hard to do this AND being able to double only 5 Qs.
I also have to make sure everything I bought was stuff I could use.
4 x Ziploc bags on sale $3=$12.00
3 x Gear Deodorant on sale $4=$12.00
1 x Glade candle on sale=$3.00
SubTotal.....$27.00
Coupons Used
2 x $1/2 Ziploc IPQ(doubled)=$4.00
1 x BOGOFree Gear IPQ(not doubled)=$4.00
1 x $2/1 Gear IPQ(doubled)=$4.00
1 x $1/1 Glade IPQ(doubled)=$2.00
Coupon Total......$14.00
$27-$14=$13 + $.78 tax=$13.78 OOP
Well actually I didn't spend anything OOP because I used the rest of 2 gift cards with small balances on them I got last year for transferring RXs.
The BOGO Q didn't double obviously and the register wouldn't take 3 of the other 4 Qs.
Ugh.
Cashier said it's their system so she had to have a manager come over and put them through.
This transaction was a PITA as are most on the rare occasion I go to KMart.
But notice the Q the register spit out......
So basically I can get $5 of free stuff and if I buy grocery items there is no tax in PA.
Woohoo!
Also the Ziploc bags count toward a $5 rebate once I spend $22 on these products at SavingStar.
I am $10 away from that reward.
So I might just use this $5 Q to get 2 more boxes of Ziplocs at KMart.
I'd pay $1.06 OOP for them(I WOULD use another $1/2 Ziploc Q BUT typically you can't use other Qs with one of these Register Qs at KMart) and only need to purchase $4 more of Ziploc products to get my $5 rebate.
Sluggy
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