Wednesday, February 25, 2015

Giveaway #2 for 2015.....Pamper Yourself!

It's time for another Sluggy's Boring Blog Box Giveaway of 2015.

Since this Winter has been so brutal I think we need to do a little PAMPERING on ourselves.

Check it out..........

 
2 x Eucerin lotion
1 x Yardley soap
1 x Neutrogena soap
1 x Degree body spray
1 x Dove deodorant
1 x Nexxus shampoo
1 x Lindt/Lindor white chocolate truffles
1 x Conair hair brush
1 x Extra pumpkin gum
1 x Hershey's box of chocolates
1 x Longaberger themed notepads/pencil


I'll leave this giveaway open until March 8, Sunday, at 11:59pm.  The next day I'll put all the valid entries into a container and draw out a name and that person wins.

There is a limit of ONE ENTRY per Day by leaving a comment on this blog post.

To get a BONUS entry, you can do this once---

Post about my Giveaway on your own Blog or on Facebook with a link to this post.  This will earn you 2 additional entries for each action.  Please leave 2 additional comments on this blog post for each additional Bonus entry. 


 Disclaimer--This giveaway is open to those with mailing addresses within the US or Canada only.
If you are in Canada, you will receive a smaller box of goodies, as the shipping rates internationally are ridiculous and I am not taking out a mortgage on my house to pay to ship this stuff.  ;-)

**
If you need this shipped to Canada, I'll have to change the box and it's contents a bit.  I can ship a plain box weighing up to 3lbs. via 1st class mail, which, while more than the flat rate Priority to US addys, is still affordable.  These prize boxes usually weigh 7 or more lbs. when full, so if the winner is in Canada, I'll let them pick and choose which of the items they prefer sent in their box, until the box weighs 4lbs.  I hate to have to do this(not ship ALL prizes to them)but I would hate it even more to exclude them totally from entering the giveaway.

***NOTE***
Please make sure there is a way for me to contact you in your comment.  If you're not a registered Blog User with your contact information on your User page, please put your email or email me your email addy privately when you leave a comment so I can get ahold of you if you win. If I can't contact you then you can't win.  Thanks!

So let's get this started!

Sluggy

 
 

Tuesday, February 24, 2015

A Rant About Income, Credit & How to Live Your LIfe




Everyone needs to learn to live within their means.  This is a basic tenant of living a good life.

When it comes to your money, there are two ways to boost your financial bottom line.....you can work on the front end or you can work on the back end.  (You can also work on both ends, it doesn't have to be one OR the other.)

The Front End means you can improve the income stream coming into your home.
Examine how much you bring home.
Not enough?
Find ways to bring in more.  You know.....side jobs, part time work, sell stuff you don't need anymore, etc.  Turn something you love to do(a hobby)into something that brings in additional money to your home.

The Back End involves keeping more of that income coming into your home in YOUR hands and not letting it slip away.
Be the financial sentinel of your home.
Find ways to get what you need for less money.
Don't pay unnecessary amounts to others to do things you can do for yourself.
And stop buying crap.....that one is important. ;-)


I have been a stay at home mom since 1989.  Once the kids started coming we sat down and crunched the numbers.  Having one of us home full time with the babies was important to us.  The income I could earn in that time and in that place compared to the costs associated with having a full time job and full time daycare plus the expenses of transportation, clothing costs and probably the cost of more convenience foods meant that it made more financial sense as well to have me be a SAHM.  So that was my job.

Hubs and I worked as a team to keep our bottom line in the black.  He worked on the front end, the bringing the money into the home.
And I worked on the back end, the keeping the money in the account once he brought it in, and I pinched every penny until it shrieked.

This worked well for us, but every couple needs to find their own balance.

So Hubs was in charge of growing the income, as well as investing the retirement savings(though I was kept in the "loop" and had imput).
I was in charge of disbursement of the income, as well as saving as much of it as I could from what we actually took home.

Though Hubs was in charge of bringing the income into the home, when opportunities arose for me to add to the income stream as the children got a little older and less time intensive, I took advantage of them as well.
I wasn't too proud to do what I had to....from babysitting, the pet sitting, to sewing, to selling handmade crafts, to teaching crafts, to buying old toys on clearance and then reselling them online to collectors, to taking online surveys and participating in focus groups, to selling at a garage sale or flea market some of my stockpile of toiletries, I paid very little for.

While I was home with the kids,  I did all my own cleaning, took care of family business(making appointments, phone calls, banking, bill paying, etc.), make about half of my kids clothing, bargain shopped for everything from food to HBA items to clothing to furniture.

You do what you have to do to achieve your goals.
But first you have to identify your Goals.

Our goals have always been 4 fold--to make a comfortable life for us and our family, get to a state of debt freedom, have money set aside for the kids' college plans, and be able to afford to retire and have a comfortable retirement.

Of course most people strive for these goals, right?
Everyone wants a comfortable life and a comfortable retirement in their old age.
And everyone wants to be debt-free.

You need to figure out what constitutes "comfortable" for yourself.
We have modest needs compared to many in this country.  Heck our modest needs are still luxurious compared to what most people in the rest of the world have in their lives!

We never went in for fancy or luxury cars.  To use a car is just transportation to get you from Point A to Point B.  The less we had to spend on cars was the better.  The most important thing was if the vehicle was safe and if it was big enough to hold everyone......and that it had brakes......brakes are important. '-)

Now that I am a women of the certain age and have been through many phases of life, I see THREE main points/spending habits that keep people in debt long term.

*  Car lust is one of the biggest things that keeps people in debt.  That and always buying cars on time(loans).  If you can't afford a new car for cash, buy a used car that you can afford to pay with cash, in full.  Then take that money you would have put toward a car loan each month and save it for when your new used car breaks down and can't be resuscitated and you need to buy another car.  If you are lucky, by the time that point comes around that you need to sink more money into a new car, you will have enough to pay cash, and perhaps you can buy a better/newer car.

(Let me add that in the last decade or so, Electronic Lust, having/buying the latest electronic gadgets is quickly getting out of hand in our society and may surpass vehicles as one of the biggest things that keep people in debt....especially among the younger generation.  Upgrading smartphones, computers, tablets, televisions, buying movies then having to rebuy them because the platform is out of date and obsolete, expensive cable packages for those televisions, etc. is just another hamster wheel the media/advertising tells you to jump on, and you JUMP!, while the money just flows from your pockets.)

* The other point that will keep you in debt is buying a house you can't afford.  Realtors tell you as a rule of thumb that you can afford to spend 1/3 of your income on a house payment.  DON'T BELIEVE THAT!  Of course they have a vested interest in how expensive a house you buy since their commission is dependent on your purchase price.  They want you to spend more money than you can afford!  It makes no difference if you buy a too expensive house and have to eat beans & rice for years because you can't afford that house.

People buy houses bigger than they need that cost more than they should every day.  Don't be one of those people. 
And don't buy a house as an investment.  It isn't an investment if you are living in it, only if you are renting it out.  A house is a MONEY DRAIN on your income.  Yes, it may appreciate over the years(especially if you didn't buy it at the height of the market)but don't count on it to fund your retirement.  Especially since in retirement you will need a place to live and unless you sell your home and live in a cardboard box or do one of those reverse mortgage deals, your home won't even be an investment in your golden years.

* The final point that will keep you in debt is not knowing where your money goes and keeping a close eye on the outgo in your household.
Money has an insidious way of just flying out the door.  It's easy to turn around at the end of a month of income and have nothing left, or worse yet, be in the hole!
Not paying attention to your money results in doing stupid things.
Stupid things like overdrawing your bank accounts and paying fees;
Stupid things like charging on a credit card and not paying it off at month's end(when you meant to)and paying interest.
Stupid things like not keeping track of variable spending and having to put expenses on a credit card because the cash you thought you had left for the month is mysteriously gone.

Just keep this thought in mind whenever you go to buy something on a credit card(or a mortgage or car loan for that matter too)--Whatever you are "buying" isn't really yours until you pay that bill off.  You are just borrowing that jacket, gas for your car, dinner out, etc.  The credit card company still OWNS it until they get paid.....the credit card company as a result OWNS YOU until they get paid!
The Mortgage company OWNS you until you pay off your house.
The car company OWNS you until you pay off your car loan.

Next time you buy something on time, think of the purchase like that........you are OWNED by a corporation. 

Live your life on credit and you are not your own person until your creditors are paid off.
Now is that any way to live your life?

Sluggy







Monday, February 23, 2015

Last Week on the Dining Table



The "I Am SOOOOO Over This" Edition ........



We got another 5 inches over the last 24 hours.  This isn't boding well for March. bleh.
 
Here's what was planned last week.......

1.  Beef Taco Salad
2.  Salmon, grilled asparagus, yellow squash casserole
3.  Ham & Bean Soup/Asparagus Leek Soup, Bread
4.  Pumpkin Ravioli w/Sauce, Salad(use leftover Alfredo sauce)
5.  Leftovers(Chicken w/Zuke, rice)
6.  Leftovers(Chicken Fajitas or Beef tacos)
7.  Leftovers(Chicken Stir-fry)
 
And this is what actually happened--

1.  Beef Taco Salad
2.  Salmon, grilled asparagus, yellow squash casserole
3.  Ham & Bean Soup/Asparagus Leek Soup, Bread
4.  Pumpkin Ravioli w/Sauce, Salad(use leftover Alfredo sauce)
5.  Leftovers(Chicken w/Zuke, rice)
6.  Leftovers(Chicken Fajitas or Beef tacos)
7.  Leftovers(Chicken Stir-fry)

Everything went as planned for some reason I can't fathom why! lolz
Well except I didn't make the squash casserole so that moves to the coming week.


Last week I made 2 trips to grocery stores(but am holding back 1 trip's spending until March) and I spent  $7.74 OOP on $13.96 worth of reg. retail groceries.  I had 2 transactions at Rite-Aid(but am holding back on 1 done after I closed out the books on Feb.)and spend $.23 OOP on $14.87 worth of toiletries, so $7.97 total spending last week.


My spending for February on food/toiletries was posted on Sunday so go have a look if interested.


Leftovers going into this week are asparagus/leek soup and ham/bean soup.

Here is the plan for this week.........

1.  Beef Stroganoff, rice, veggie
2.  Salmon, Squash casserole
3.  Pasta with meat sauce, salad or soup
4.  Pork filet or Country Fried Steak(diners choice), Steak fries, leftover squash casserole
5.  Pizza, Salad
6.  Leftovers or Soup & fresh bread
7.  Ginger garlic duck & veggie stir-fry, rice

 
 
What I need to buy for this menu......not a thing.  The meat for the stroganoff is cubes of beef roast that we didn't eat for Christmas and has been sitting in the freezer.  The duck breasts are from that great deal at Wegman's a year ago December that are still lurking in the freezer too.
The ready made pizza is from the Snack +Ups Promo from Rite-Aid at the end of Jan. before the Super Bowl that we didn't eat yet.  It's taking up valuable real estate in the freezer so it's getting used NOW!
The salmon, pork filets and the ground beef for the pasta sauce I bought last week when it was super cheap with instant discount stickers on the packages.  I also bought the 2 bags of fresh stir-fry veggies last week on discount too that are being eaten with the duck breasts.
Unless there is an awesome deal I won't be shopping this week except too use the last of my $10 Catalinas I earned the week before last.

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

Was last week's plan successful, did you go off plan or did you not even plan what was going to be eaten that week?

Any great deals on food at your stores this week?

Sluggy

Saturday, February 21, 2015

Last Rite-Aid for This Week

2 transactions on Friday for more Gear items and Vaseline lotion......


$21.75 worth of items, after sale prices and coupons I paid .97¢ OOP and received $2 in +Up Rewards(for the Vaseline).

Then rinse and repeat the Gear items and Vaseline......


$15.67 retail worth of items, after sale prices and Qs I paid $1.03 OOP and received another $2 +Up Reward(the Vaseline lotion).

I spent a whopping $4.55 total this week at Rite-Aid on $95.81 worth of items.
Next week I have a $3 +Ups I have to spend/roll by Wednesday.

Sluggy

 

A Proper Genealogy Post.....Part 2

Last we left off,  The Maurice O'Brien/Mary Roche O'Brien family had arrived to America in late 1879 and are found on the 1880 census, living in the town of Derby in New Haven County, CT as shown on the map......


Household of Maurice O'Brien--
Morris(this is Maurice) 28
Mary(wife)  26
Honora(daughter)  5
Mary(daughter)  3
Maggie(daughter)  9 mo.

Maurice is working as a tender in the mason trade.
A tender is an assistant.  They don't actually lay brick, they do all the grunt and prep work(carry, cut bricks, mix mortar, build scaffolding, etc.).

Due to the loss of the 1890 censuses(almost all the schedules because of a fire in 1921 at the Commerce Building where they were stored at the time)we don't have an information for this family between 1880 and 1900.

In the 1900 census they are living in Ansonia, CT(which is just north of Derby, CT). The address is 497 Main St.
Here is what it looks like today......

 

It's the building lot on the corner, 1 block from a Catholic church.
Hey!, look what's across the side street.....

It's a RITE-AID! ;-)

But I digress........

Household of Maurice O'Brien 1900 Census for Ansonia, CT--
Morris(this is Maurice)  49  born Ireland
Mary(wife)  45  born Ireland
Anura(this is Honora)  25  born Ireland
Maggie  20  born shipboard
Bedina D.  16   born CT
Katie  15  born CT (This is my great grandmother.)
John  13  born CT
Annie H.  8  born CT
Bernie  4(grandson)  born CT

Only John, Annie and Bernie are in school and Mary the wife is keeping house.
Maurice is working as a stone mason, Honora operating machinery in a factory, Maggie is a wire inspector in a factory, John lists his occupation as "tipping"(or it could be stripping as the writing is sloppy) and Katie is a braider(probably in the same wire operation as her sister or she braids rope perhaps?).

Mary the wife is listed as being married for 25 years and Honora is listed as having been married for 7 years in 1900.
Mary reports that she is the mother of 15, 7 are living in 1900.
Honora reports that she is the mother of 1, 1 is living in 1900.

From this we know that Bernie is most probably the child of Honora.
Honora would have married in 1893 though I don't have a marriage record yet to ascertain who her husband was, if she was married.

We also know that 8 children of Mary and Maurice either died in infancy/were still born or died young before 1900.
If you count the children in the household that are Mary's, there are only 6 listed, not 7 that she states are living.

You will notice that the child Mary born in Ireland and listed as 3 years in 1880 census is gone.  As she would have been 23ish in 1900 she could be either dead or married and/or living elsewhere.

Since we have descendants of Mary who have added information and pictures, we were able to find Mary the child listed in this 1900 census(she is the 7th child listed as living who is not counted with her parents).
She is living with her new husband, Thomas Hines(correct full name is Thomas Patrick Hine)--



They say the are newlyweds(record of marriage is dated Nov. 1899)and they are living at 530 Main St. Ansonia, CT.
This is right across the street and on the same block as Mary's parents, Maurice & Mary.

Here is what this location looks like today.............

 
An abandoned car lot.
But here is a wide shot showing across the street........


On the right is that corner where her parents and siblings are living in 1900.


Moving onto the 1910 census the Maurice O'Brien household has moved to Bridgeport, CT which is South of Ansonia, CT....




The Maurice O'Brien household is living at 530 Nichols St., Bridgeport, CT.
Here is across the street from that location today...........


The building with the yellow lower wall is a Hispanic market on the corner.
Here is what's across the street....

An overgrown berm.
Here's what's on the other side.......


The Connecticut Turnpike. You can see the tops of the buildings across the street from where the O'Brien household lived.

Anyway, back to the 1910 Census.....

Household of Maurice O'Brien--
Morris  57  mason
Mary(wife)  54
John  22   mason
Anna  19  operator in a shop
Catherine(Katie before)  24 is married, now with the surname Bowman(spelled incorrectly as Bauman by enumerator).

Also living with the family is Katie's husband and child.....
Frank son in-law  25  born in NY  steamfitter
Francis  1 born in CT


Gone from this household in 1910 are Honora(eldest daughter), her son Bernard, 2nd daughter Mary, Maggie(born shipboard), Bedina(born CT).

2nd daughter Mary is still found living with her husband, Thomas Patrick, in 1910 in the Park Hollow section(now the Historic Downtown district of the town)of Ansonia, CT, along with their 4 sons, as well as a niece.  As Thomas only had brothers this niece has to be from Mary's side of the family, the daughter of one of her sisters.  The niece's name on the census is unclear(Marie or Karrie? and Rice or Price?), but we do know her father was born in IL and her mother in CT(which would be correct for the O'Brien daughters born after 1879).  But it's still a mystery to me who's daughter this niece is.

Now look who is living 2 doors down from daughter Mary, Thomas Patrick and their children?

 
4 lines above the Hine Family it's "Nora" O'Brien with her son, Bernard.  That's Mary O'Brien Hine's sister Honora.

Moving on to 1920, the Maurice O'Brien household has become the Frank Bowman household and is living at 124 Read St. still in Bridgeport, CT.

Here's what it looks like now.  It's the double home with the green striped awning.......



This location is 1.7 miles away from their address in the 1910 census.

Household consists of---
Frank Bowman  35 working as an electrician in a shop
Catherine(wife)  34  keeping house
Francis(son)  10
Mary(daughter)  8
John(son)  6
Margery(daughter)  4
Morris O'Brien(father in-law, this is Catherine's father Maurice) 54 still working as a stone mason

Morris says he is widowed.  This is the last census year he appears in.

As far as the sisters, Honora and Mary, are concerned they have escaped me so far in the 1920 census schedules.

Moving on.......

There was a WPA project undertaken between 1934 and 1937 in Connecticut to transcribe/record all the cemetery headstones up to that point in CT cemeteries.
From that record we know that Maurice and Mary Roche O'Brien are buried in St. Mary's Catholic Cemetery in Ansonia, CT.

According to the record Mary, the wife, died in 1913(this is why Maurice shows up as a widower in 1920)and Maurice joined her in the graveyard in 1928.

Also listed in this headstone survey buried with Maurice and Mary is a Josephine O'Brien. Dates are 1892-1906.
Obviously this is one of their children.

At this point, the known children of Maurice and Mary Elizabeth are Honora, Mary, Maggie, Bedina, Katie, John and Annie from census records.

So if we add in Jospehine to the family tree, something isn't quite right with the records.
If Josephine was born in 1892, that birth would have taken place in CT, and  at the time of the 1900 census she would have only been about 8 yrs. old, yet she does NOT appear with the family in the 1900 census.  But there is a Bedina listed as being born Apr 1884 in that census.  And this Bedina is no longer listed with the family in the 1910 census.
Add in that if we add in Josephine as a child of Maurice & Mary, that makes 8 living children when Mary was asked in the 1900 census and she says she only had 7 living children.

Are you still with me? 8-)

1900 Census
Honora
Mary(living w/husband nearby)
Maggie
Bedina
Katie
John
Annie
7 living children accounted for

1910 Census
Honora(living with son nearby)
Mary(living with spouse and kids nearby)
Maggie(whereabouts unknown)
Bedina(whereabouts unknown)
Katie
John
Annie
5 children accounted for/2 may be no longer living and where is Josephine since she isn't dead until 1906?

And while I was pondering this mystery someone posted a photo of the actual headstone for Maurice and Mary on Find A Grave that I had requested.

                                    Photo by Alycia K.

A close-up of the last name on the stone..........


"Josephine their Daughter died Nov. 30 1900 Aged 14 Yrs."

The transcription of the headstone in the records was incorrect!  Josephine died in 1900 not 1906.
If she was 14 years old in 1900 that means she was born about 1885-86.

And if she died 30 Nov 1900 she would be in the 1900 census, since it was taken in June 1900 according to the enumerator.
So this most probably means that Bedina, the daughter born Apr 1884 in the 1900 census who is gone by the 1910 census is actually Josephine.
Now things make more sense and all the living children in 1900 are accounted for.

So what happened to the 6 remaining children after 1900 ended?

Honora disappears from the census records after 1910.
Mary married Thomas Patrick Hine and went on to have 7 children, dying in 1941.
Margaret(Maggie) disappears from the census records after 1910.
Catherine(Katie) married Frank Bowman and went on to have 7 children(1 dying in infancy), dying in 1945.
John can't be found in census records yet past 1910 but a descendant posted that he died in the 1960's in CT.  There are 3 John O'Brien's buried in CT cemeteries posted on F.A.G. who died in the 1960's.
Again more research/corroboration of documents would need to be uncovered to pin point our John O'Brien's path.
Annie O'Brien disappears from census records past 1910 as well for the moment.

Of the 3 siblings we don't know what happened to, we do know that Maggie lived well past 1910 because there is a photo of her standing with her sister's daughter's husband.  The photo is undated but the sister's daughter, Catherine, married in 1942, so the photo dates from at least the late 1930's/early 1940's.

                                     photo by b1pilot1


Since Margaret O'Brien doesn't seem to have married it's possible she lived out her life in Ansonia CT.  Most of the family members lived their whole lives in or near Ansonia, CT so it makes sense if she remained single that she stayed close to her parents and her siblings, yet I can't find her in any census after 1900.

There is a Margaret A. O'Brien's who died in 1951 in CT and is buried in New Haven County but she was married and O'Brien was her married name.
There is another Margaret A. O'Brien who died in 1965 in CT and is buried in New Haven County.
This could possibly be our Margaret O'Brien but more facts need to come to light to corroborate this hypothesis.

One mystery solved, Josephine, but so many more still remain.

More on the sister, Catherine O'Brien, in or next installment.

Sluggy