Monday, May 4, 2015

April Eating Out

I was reading Cindi's latest post over at Thrifty At Sixty and decided to add up how much we spent at Chez Sluggy on eating out/take-out last month.

                                  Image credit the BarfBlog
Usually our eating out/take-out spending is counted in the Cash Withdrawals category of our monthly spending.  Cash withdraws encompass all small cash spending for the month which usually includes take-out, dining out(but that is sometimes put on the c/c instead), hubs haircuts, dry cleaning, his coffee habit and when he buys lunch at work, any incidental purchases for the home(repair items, tools, when some kid comes to the front door to sell us something for school fundraising, the Sunday newspaper, etc.)

I started this exercise thinking, "Gee, we hardly spent ANYTHING on eating out/take-out this month!".
Well I was wrong, as usual.....lol

April Eating Out/Take-Out Spending
Chinese take-out  $18(we got 2 meals out of this)
Bob Evans eating out  $22(used a coupon)
Popeye chicken take-out  $20(we got 2 meals out of this)
Subway sandwiches take-out  $12
Domino's sandwiches take-out  $12
Total.....$84

Granted 2 of the meals we got 2 meals out of them so 7 meals for $84

I noticed a pattern that ALL of these meals were Weekend(does Friday night count as the weekend? lol)expenditures and all but 2 of them were Lunch meals.  Only 1 of the 7 was eaten away from home.

I was going to start keeping track of this category of spending but we are on vacation in May so I KNOW most of the meals(if not all)eaten while traveling will be eaten out, so this won't be representative of our usual amount of eating out/take-out spending.

Since we can afford this amount easily in our budget, I am not looking to reduce this spending.
But I do like to know what we are spending and where.
If we ever need to cut corners more on monthly expenses, this is the kind of thing I'd target to reduce or cut out altogether.

Our eating out/take-out spending is more about a break from the routine of cooking at home for us, rather than it being about a great tasty and flavorful adventure in dining.  We don't buy fancy foods when eating out, just stuff we don't make at home(fried chicken, Chinese cuisine, etc.) or a quick sandwich.
It helps that we are not paying for a family of 5 any longer when we go out.  Heck even Chinese take-out for 5 use to cost us $40+!

Have you ever kept tracking of your eating out/take-out spending?
Do you have an eating out/take-out category in your budget?
Are you trying to cut down on your eating out/take-out spending?

Sluggy

 

This Week on the Dining Table


It's the "Busy Weekend" Edition--

 
Well we seemed to have gone from Winter right to early Summer weather.  This weekend was gloriously warm and sunny so we headed outside to work on some outdoor projects.  This pile of white stones figured into one of those projects.
 
Anyway, onward to the meal planning!
 
Here's what was planned last week.......
 
1.  Osso Buoco, mashed Potatoes
2.  Leftovers
3.  Leftovers
4.  Leftovers
5.  Leftovers or Take-Out or Fend for Yourself
6.  Leftovers or Take-Out or Fend for Yourself
7.  Leftovers or Take-Out or Fend for Yourself

And this is what actually happened--

1.  Osso Buoco, mashed Potatoes
2.  A big Salad
3.  Leftover Meatloaf, Yellow Squash and Onions
4.  I had a burger and salad, Hubs had leftover Spaghetti and balls
5.  Grilled Quebec Chicken, Green Beans w/confetti peppers
6.  Chinese take-out
7.  Leftover Chinese take-out

Everything went as planned I guess.

Last week I made 6 trips to 5 different food stores and spent $191.43 OOP on $312.70 worth of reg. retail groceries. 

I had 0 transactions at Rite-Aid last week....again.

$191.43 spent of my $? May food budget.  That's 2/3 of my April budget spent in 1 week or so.
Yikes!

Leftovers going into this week are---taco filling, macaroni salad, lemon chicken w/zucchini, rice, green beans and some veggies leftover from the osso buco and mashed potatoes.
A bit of leftovers and lots of groceries bought last week so I don't need much(if anything)at the stores this week.
 

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

1.  Leftover Lemon Chicken w/Zucchini and Rice
2.  Leftover Taco Salad
3.  Kielbasa or Hot Dogs, homemade Boston Baked Beans(maybe), leftover veggies and macaroni salad
4.  Chicken Parm, Tomato and Cuke Salad(use up some produce)
5.  Ravioli,  Sauté of Squash and Onions
6.  Fend For Yourself
7.  Pizza?

3 new meals and 2 leftover meals, 1 FFY day and maybe a take-out pizza(paired with whatever leftover veggies we have)on Saturday when we get home with College Boy and all his crap.

Since I want to have Chicken Parm this week I'll make enough homemade sauce to do another sauce/Italian meal, using up 2 small bags of ravioli that have been lurking in the freezer(and we'll have leftover ravioli then for Hubs to eat over the weekend).

While I have not gone paleo I have been cutting down on the amount of carbs I serve.   When we have a side that calls for rice or noodles I only have 1 spoonful(if any) and am trying to cut down on the bread I use/or make it "healthier".
When I am making a protein or veggie dish that has carbs(like chicken parm has breading and cheese)I don't serve a carb/starch dish as well.  The BBBeans will be a lower sugar version so I can have my fiber/protein w/out too many "bad" carbs.
It's all about making better choices and adapting what your family likes to eat.  If I stopped serving pasta altogether Hubs would divorce me.  The man can't live without pasta. lolz
 
What I need to buy for this menu....... nothing at all.

Not cleared to drive yet(plus I am dizzy)but I need to go out on Wednesday for an Rx refill so I hope to be better by then so I may go to see if I can find any meat discount deals then.
 
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

Sunday, May 3, 2015

May Net Worth

Just a quickie because staring at a computer screen with one good eye and one "I need glasses to see" eye makes me dizzy and using one eye only is tiring.

New Worth calculations have been done for May 1st.
The non-retirement monies are up $6,005.48 and the retirement monies are up $5,359.38 from April 1st for a grand total gain of $11,264.76 last month.
And we are up $98,945.54 from May 1st 2014.

Yay!

Now back to the recliner and closing both my eyes.....

Sluggy

Saturday, May 2, 2015

$28K Savings Challenge......April Update

Every year I keep a close eye on our monthly expenses and our monthly income.
Our income is mainly the salary my Hubs draws from his job.  We have money taken off each paycheck from the top to put into savings, before we even get our hands on it.  This money that's taken goes into various pots....life insurance, health insurance premiums, long term care insurance premiums, investments and retirement savings.  It's automatic so we are never tempted to NOT put it into savings or these other categories.

Once the automatic savings amounts, plus taxes and medical/dental/vision premiums are taken out, it leaves what we get to "live on".  From this amount we budget for bills, both monthly and irregular bills(semi-annual, annual etc.) and our variable bills(like food, eating out, clothing  etc.)  Anything left over once our monthly expenses are paid, I put aside into an interest bearing Savings Challenge account. 

For 2015 I am continuing my Yearly Savings Challenge.  I am raising the Goal amount slightly to $28,000 this year, $4K more than my goal for last year.


On to the April report.....

I have posted my April End of Month $28K $AVING$ CHALLENGE Totals.
Check out the Savings Challenge page tab at the top of the blog for the specific numbers HERE.

I have 2 goals each month.....
The 1st is to actually finish each month in the black and not the red.
The 2nd is to hit the targeted savings amount of $2,333.33.

I have to report that we finished up April with a HUGE amount of leftover cash.
The extra amount we ended the month of April with?.......$6,343.83

Income

We had $6,207.11 left over from our income after our monthly expenses were deducted.
 
Other monies received in April totaled $136.72.  This included interest made on non-retirement accounts.

This brought us to our gain of $6343.83
Since we have no debt, this goes into savings.

Outgo
As for the expenses this April, here are the good and the bad side of things....

HERE are the GOOD THINGS
 
*  Phone charges, internet and  were approximately the same as last month.
*  Electric bill went down $150.88 from March's bill because of a decrease in heating.
*  Cash withdrawals went down by $230.48
 
HERE are the BAD THINGS
.
*  Water bill was up $12.37 from March's bill.  Don't know why.
*  We had 1 irregular bill from a dental visit.
*  Gas card bill went up $100.12 from March's bill.  2 round trips worth of gasoline to College Boy's school and Hubs putting most of his gas spending on this c/c rather than our other c/c.
*  The credit card bill was up $886.86 from March's statement.  Almost $800 of this increase was for prepaid hotel charges for our May trip.  While I didn't like seeing that big c/c bill it's nice to know that once we get home from our trip a sizeable chunk of vacation charges will already be paid. ;-)
 
The Food Budget costs for April are in another post, which is located HERE.  I actually came in under budget on food/toiletries for April.....well, $1.41 over. ;-)
 

The 2015 TOTAL.....
With 4 months accounted for, our Savings Challenge Grand Total for 2015 is $15,039.21.
That averages $3,759.80+ a month so far and is about $1,426.47 more than we need to put away every month to reach the $28K goal for the year.

THOUGHTS going forward into May----

Irregular bills coming in May......semi-annual car insurance bill comes due for our 2 main cars.  This comes to about $1500 a year now.  The bill for the spare car(for College Boy to use while home)comes due in August so we won't worry about that one now.
I am figuring our "nut" this month will be about $2,500 unless we purchase a freezer in the next week which increases our credit card bill for May.


With 4 months behind us we have $15039.21 down and $12,960.79 left to save in 20015.  That means we are over HALWAY to our yearly goal.  The amount left to save breaks down into $1,620.10 per month for the next 8 months of the year. I think we can easily do this number each month.
 
 
So how was your April financially?
  
Did you spend less than the income you had in April?
Did you stay within your budget or not?
What did you do with any money leftover at the end of the month?
Did you pay off any debts or put extra toward your mortgage principle or into savings in an emergency fund or a retirement account?
Or did you blow it on something you wanted?
 
If you posted your financial progress on your own blog, leave a link in the comments so we can go check out your progress too and celebrate with you or commiserate with you!

Sluggy

Friday, May 1, 2015

Stocking Up for the Home Bound Time & Beyond


 
 
Where I had my cataract surgery.
 


1 Day out and we're doing fine.  Do you think this Ray Charles look will catch on? 
 
**A reminder to go enter Sonya Ann's Giveaway!  Use this link HERE.
She'll be coming back from Vegas next week and as soon as she sobers up unpacks, she'll pick a winner so don't wait to enter!
 

In preparation of my not being able to drive for about a week(due to my cataract surgery)I withdrew my May food budget monies from the bank this past week and spent a good part of my time before Thursday hitting up the various stores for groceries.
I'll add that I was getting antsy to get out of the house anyway, as the impending house-bound period coming up was closing in on me. ;-)

I went to Ollie's(Good Stuff Cheap!)as I had a 10% your shopping trip card sent to me earlier in the year that was expiring soon.......


2 x Wheat Thins crackers $1.68 -50% discount=$1.68
3 x Chicken Stock $1.29-10% discount=$3.48
2 x Olive Oil $1.99-10% discount=$1.79
1 x Dill Pickles $1.49=10% discount=$1.34
3 x Ramen bowls .79¢=10% discount=$2.13
4 x Peach Iced Tea packets .99¢=10% discount=$3.16
1 x Nutmeg $1.49-10% discount=$1.34
1 x Pumpkin Pie Spice mix .99¢=10% discount=.89¢
1 x Chex granola .99¢-10% discount=.89¢
1x Russell Stover Easter Egg .25¢-10% discount=.22¢
Total spent.....$16.92
Reg. retail of items=$35.11

There was a trip to Weis(PMITA)Markets last Saturday too(no picture)to do the PepsiCo Spend $40/Get $10 OYNO Deal....
8 x 8 packs of G2 Gatorade=$40
I also picked up---
1 x J Martin bacon $3.00-$1/1 Weis Q=$2.00
1 x load of Pumpernickel bread $3.39-50% disc.=$1.69
1 x Perdue breaded chicken cutlets 40% disc.=$2.40
1 x Bear Naked granola on sale $2.99-$1.25/1 IPQ=$1.74
Total spent....$50.22(+$2.40tax)
Reg. retail of items=$70.17

A quick run into Sam's Club--again, not picture.
1 case G2 Gatorade=$12.98
1 large pack of Pastrami lunchmeat(for hubs lunches)=$12.88
Total spent.....$26.64
Reg. retail of items=$37.07

A stop at Target--


1 x hummus on sale=$2.50
1 x lime juice on sale=.79¢
Total Spent.....$3.29
Reg. retail=$4.58

And I picked up these, coming to a blog giveaway in the coming months......


3 x Maybelline mascara $4.49 reg.=$13.47
3 x $2/1 Maybelline Qs on coupons dotcom=$6.00
$13.47-$6=$7.47
I used a $5 Target gift card I had making it--
$2.47+.15¢ tax=$2.62
And I earned another $5 Target gift card for buying 3 of these, so $2.62 OOP or .87¢ each.

Then on Wednesday I hit Weis and the local Shursave stores one last time.......

ShurSave--

8 x OEP green chiles on sale 4/$5=$10.00
1 x Chicken thighs on sale=$3.55 *
2 x BYTC(house brand)Bacon on sale w/flyer Q=$3.98
1 x Kingsford Charcoal on sale=$8.99 *not pictured*
2 x Glad plastic wrap=$5.66
2 x Glad trash bags=$11.38
Total Spent......$43.14(w/tax)
Reg. retail=$54.45

*The Old El Paso was on sale plus if you spent $10 you got $3 off a pack of beef or chicken, so the thighs only cost me .55¢ after the discount was applied.
I also had clipped a SavingStar electronic Q for $1/3 OEP items so I'll see another $1 rebate in my SavingStar account soon, meaning 8 cans of chiles and a pack of chicken "cost" me $9.55 in the end.

**The Kingsford and Glad products are part of a Spend $25/Get $10 OYNO Deal.  I spent $26.03 and earned $10 rebate on next purchase.
The Glad items also counted toward my SavingStar Spent $25/Get $5 Rebate Deal and put me over $25 for that, so I'll get another $5 cash in my SavingStar account.

After all savings and rebates I "spent" $37.14 on this order.

Then one last trip to Weis(PMITA)Markets......


They are running an .88¢ when you buy in multiples of 8 Deal on many products.  I got 16 of these products--

5 x 6 packs of Flavored Water .88¢=$4.40 *not pictured*
2 x Weis olives .88¢=$1.76
9 x G2Gatorade quarts .88¢=$7.92 *not pictured*
1 x Weis dill pickles=$1.88 *not pictured*
1 x shredded Carrots reg. price=$2.29
1 x 50% bakery lemon pie=$3.49 I needed some comfort ;-)
2 x Sargento shredded cheese on sale=$5.00
2 x seasoned chicken breasts on sale=$7.68
1.79 lb. gourmet burgers=$8.04
1.14 lb. angus beef steak=$7.40
2 x 2lb. boxed of hamburger patties on sale $6.99ea.=$13.98
Subtotal.....$63.84

Coupons Used
2 x .50¢/1 Sargento IPQ doubled to $1 each(coupons dotcom)=$2.00
1 x $2/wyb $40 Weis Q Code(for doing a feedback survey)=$2.00
3 x $3 instant meat discount=$9.00
2 x $2 instant meat discount=$4.00
1 x $1 instant meat discount=$1.00
Coupon Total....$18.00

$63.84 + .72¢ tax=$64.56-$18=$46.56 OOP


A savings rate of 52%!

I am most proud of snagging these though......
These 2lb. burger packs retail for $12.99 each.
They were on sale this week for $6.99 each.
With $3 off instant stickers made them $3.99 out the door.
That's $2 a lb. for ground beef!

When College Boy is home there are many burgers and tacos consumed so this was a great buy just now as he is coming home next weekend for the Summer.
If you don't want to use them as burgers it's no trouble at all the thaw and chop them up to make taco filling.  A multi-tasking food purchase. lol

I spent a whopping $191.43 on food this week during 6 shopping trips.
Regular retail on what I got was $312.70.

And I earned $21 in cash rebates and/or store credit for later.

Sluggy