Saturday, November 7, 2015

Highway Robbery in Illinois' Toll Hell

Visiting Sonya Ann recently meant traveling into and through the great state of Illinois, specifically around the Chi-town area.


I have decided after this trip that the Illinois Tollway System is the biggest PITA I have ever experienced!
It is confusing and designed to make you, the user, have an aneurysm or a stroke if you don't live in Illinois and have an I-Pass account.

I-Pass is the Illinois toll paying account for using Illinois toll roadways.  If you are from the East it's the same thing as an EZ-Pass.  You have a transponder in your car and you load your account to pay for tolls electronically instead of having to stop at a toll booth and pay the old fashioned way, with cash monies.

Since we don't use many toll roads in our daily life(nor in our traveling life for personal use)neither Hubs or I have an EZ-Pass.
It works for us fine everywhere we go, except for THIS trip to Illinois!



Not only is the price of gasoline in this area sky high, they also extort you every few miles on the roadways by requiring you to pay tolls on the major roadways.

We stopped at each toll booth on our trip home through the tollway maze that is suburban Chicago, and paid with cash and got a receipt(I ALWAYS get receipts at toll booths when traveling, without fail!).
From entering Illinois until almost leaving the ChiTown area we paid $30.00 in tolls!
This included $2.80 toll when we mistakenly kept going down a road that turned into a toll road before we saw the sign on the way back from Milwaukee on an excursion.

Compared to the $15.75 it cost to cross the breadth of Ohio via the Turnpike or the $8.20 it cost to cross the breadth of Indiana on it's Tollway, just tooling around the Chicago 'burbs cost us $30+ in tolls!
Now which of these was the worst deal, huh?


We paid $30 in tolls while in Northern Illinois except we needed to pay $31.50.

When we were driving home and left I-294 to get onto I-57 to Southern IL there was NO toll booth!
You could only pay with I-Pass as you left at Toll Plaza 42 to get onto I-57.

Even in Indiana which is notorious for unmanned toll booths(on some less traveled exits)there may not be a person to take your cash but they have machines to insert cash and get change.
But this no toll booth deal was new to us.....

As you drove down this stretch of I-294 toward the exit in question, they had many signs on this stretch of roadway about having 7 days from the date of not paying this toll to go online to pay this toll or else some nefarious fate would befall you......

Way to go Illinois!  Make your visitors feel all warm and fuzzy inside why dontcha!

So I sat down a couple of days ago at my computer and attempted to go online and pay this toll the state of Illinois forced us to not pay by not having a means to pay for out of state visitors who didn't foresee the need to have an I-Pass account.

Let me just say that if the traffic and congestion on the roads outside of Chicago isn't enough to cause you to foam at the mouth then trying to pay a "missed" toll in this clusterf**k of a system is!!!

First off, you have to remember the actual toll exit number/gate/plaza you didn't pay at. 
Who the hell traveling from somewhere else has the presence of mind to commit to memory a toll plaze/exit number? lol
Of course, I DO recall many signs at the time with the AMOUNT we were suppose to pay but can't recall a single sign with a toll number for that spot.
Great!

All the signage on the roadway at the time said the toll due in question was .75¢.
And once I figured out the Toll Number 35 minutes after starting this process on their website, I discovered that the .75¢ is only if you pay through an I-Pass account.  The cash rate is $1.50.  None of the signs on the roadway at that time said anything about a higher cash rate until you go onto the IL website.
Thanks for giving only half the information!

So I have finally gotten this thing paid and can sleep at night without worrying the authorities from Illinois DOT will come kidnap me from my bed.

But really, I have to ask......WHY set up a system that attempts to trick out of state drivers into breaking your highway laws by not providing a system for said drivers to pay their highway usage fees at the time of use?
Next time I need to drive South from Chicago 'burbs I'll go west and THEN South on non-toll roads and avoid this Toll Hell!

So the moral of this story is the Highway Robbery & Chicanery is alive and doing quite well in Northern Illinois.
But then again I shouldn't be surprised as Chicago has a long held and hard-earned reputation as a World Capital of Thievery and Political Shenanigans......

Sluggy


Friday, November 6, 2015

More Shopping?....Can it Be??



I decided yesterday that I need to get a food bank donation together.  I guess I get that "bug" this time of year. 8-)

So I went to Weis(PMITA)Markets on Friday because in the new sales ad they have Purex laundry detergent for $1.99 a jug and I thought this would be an awesome thing to get to donate at the local food bank.

I perused the sales ad online before going up to the store and gathered some coupons for other items I might want to buy.
Well I came home with a car full of deals....woohoo!

I made one of my videos about the trip and you can view it on my Youtube page HERE.

Let me just say that I used the words, AWESOME and RIDICULOUSLY EXPENSIVE a lot! lolz

I forgot to mention on the video that besides the $4 Rebate the Purex qualified me to receive, I also finished up the $5 Rebate for the "Seasonal Care Package" items(Dial, Scotties, Soft Scrub, etc.).
$9 back in my pocket on this trip!

$77.39 OOP on $164.75 worth of goods.
And .20¢ gas points thrown in.

Anyhow, I've got laundry detergent, shampoo, organic boxed mac and cheese, barbecue sauce, peanut butter and cold cereal so far to donate.  In the coming weeks I'll use some of my grocery money to pick up other good deals at the store to add to this lot.

Sluggy

November Fall Giveaway is OPEN!

Can it be.....another Sluggy Giveaway?!?
Fall and cooler weather has finally arrived so it's time to dust off the Boring Blog Box Giveaway.

This is Giveaway #5 for the year.
And it's a "November Girlie" box of goodies!  8-)

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


1 x bag of Ghirardelli dark chocolate/mint chocolates
1 x Nivea body wash
1 x Simple face scrub
1 x Revlon emery boards
1 x mesh scrubby puff
1 x Conair hairbrush
1 x Maybelline mascara (blackish brown)
1 x Cover Girl eye shadow palette(either for Hazel/green eyes or brown eyes-you only get 1)
1 x Cover Girl blush palette
1 x  sample Neosporin anti-itch cream
1 x Rite-Aid nail clippers
1 x Scunci bobby pins and hair elastic bands
1 x Glad candle
6 x nail polishes(Sally Hansen to NYC to Cover Girl brands)yellow, teal, brown, deep blue, deep purple, magenta purple

I'll leave this giveaway open until November 21st, Saturday, at 11:59pm, so that gives everyone a full 2 weeks to enter this one.  The next day I'll put all the valid entried into a container and draw out a name and that person wins.


You may get ONE ENTRY per Day by leaving a comment on this blog post until the Giveaway ends.

To get BONUS entries---

* Post about my Giveaway on your own Blog,  on Facebook on Twitter or some other Forum you frequent with a link to your post.  This will earn you 2 additional entries for each action and you can do this once during the course of this giveaway(8 entries total if you post on all four platforms).  Please leave 2 additional comments on this blog post for each additional Bonus entry you have earned.
* Become a Follower of this Blog to get 1 more entry.(Hit the "Join This Site" Button at the top right side of this blog).  Of course if you already Follow my Blog, leave a comment ascertaining that fact for 1 more entry.
Please leave a comment if you become a Follower or are a Follower already and give me your ID/name on there so I can verify it.
* Join the Bloggers United Federation if you have a blog to get 1 more entry.  Leave a comment saying you want to join up with your blog addy and I'll hook you up.
(All members who have already joined the BUF will of course get 1 Bonus entry as well but they need to leave a comment to get it.)

  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 much 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 3lbs.  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 Blogger User with your contact information on your User page, please put your email addy in your comment 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.  I have already had one winner disqualified due to this issue and I sure don't want that to happen again.  Thanks!

So let's get this started!

Sluggy

Thursday, November 5, 2015

Shopping This Week So Far

Last Friday I went to Weis and spent $26.43....well I spent $29.43 but was overcharged $1.03 for some onions so I got the full overcharged amount back on Monday($3) making my OOP $26.43. Everything on sale except as noted, regular retail value of $45.52.

Items bought included.....
2 bags of sugar $1.27 each after coupon
5 cartons of organic chicken broth 50% at $1.19 each.
1 head iceberg lettuce 50% at .99¢
1.19 lb. tomatoes on the vine at $1.48 lb.
1 bag of spinach 50% off
1 clamshell of salad green 50% off
1 bag of sweet onions $1.97(overcharged)
1 bag of red potatoes $1.97
2 containers of sour cream $1.50 each
1 quart Greek yogurt $3.99
1 package onion rolls $3.49 *full price*

I also hit the Bakery/Bread Outlet that day and stocked us up on bread products for most of the month.....2 bags of bagels, 3 bags of assorted rolls/buns and 3 loaves of bread for $9.25 OOP.
Regular retail of $36.81 on all that.

Since I had closed out October's food spending already all this above goes onto November's totals.

This brought my food spending to $35.68.

I went to the town South of us here yesterday to see a movie and picked up these deals while I was there......


3 x dozen Large Eggs on sale 3/$5=$5.00
.86 lb. Catfish Fillets on sale $6.97 lb.=$5.85
1 x bag of dark potato chips on sale=$2.00
Total.....$12.85 OOP

Bonus points as the eggs were from a local poultry farm.

Tomorrow starts the new ads at Weis(PMITA)Markets.  Nothing there excites me this week except maybe the 8 O'clock coffee is BOGO and I think there is a $1/1 Q in the inserts making for some cheap coffee.

At this point I am at $48.53 for groceries in November.
$251.47 left to spend for the month.

My current shopping list for Thanksgiving dinner--
celery
rutabaga
whipped cream

Sluggy

Wednesday, November 4, 2015

$28K Savings Challenge.....October 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 October report.....
I have posted my October 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 October with a HUGE amount leftover.
The extra amount we ended the month of October with?.......$6422.33

Income

We had $5,548.51 left over from our income after our monthly expenses were deducted.
Other monies received in October totaled $873.82.  This included interest made on non-retirement accounts, a bonus Hubs received and a rebate check.

This brought us to our gain of $6,422.33
Since we have no debt, this goes into savings.

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

HERE are the GOOD THINGS
*  Phone charges and internet were approximately the same as last month.
*  The cash withdrawals were the same amount as in September.
*  The water bill was down .42¢.
*  The electric bill was only up $7.26 from last month and that's even with putting the heat on now and again in Oct. so I call this a win!
*  The gas card bill was down $96.30.(More gas was put on the regular c/c.)

HERE are the BAD THINGS(and the not so bad)
.
*  The credit card bill was up $430.67 from September's bill(but we did go on vacation so not so bad).
*  There was an irregular bill expense--the car insurance paid(6 months worth).
*  Medical bill payments were up $786.10 from September's bills(foot expenses and cataract surgery co-pays.)
*  We spent $320 cash on "fun" at the Church auction.

The Food Budget costs for October are in another post, which is located  HERE.  I spend well under my $300 budgeted amount(on this report grocery money comes out of "Cash")on that expense.

October was a fairly expensive month for us, but not the most expensive for 2015.  6 months of car insurance payments, high medical bill co-pays due this month and our annual fundraiser attendance boosted our bills total for October.
Our "regular" bills, outside of these other bills, for October came to $2266.85.

The 2015 TOTAL.....
With 10 months accounted for, our Savings Challenge Grand Total for 2015 is $34,089.76.
That savings amount averages $3,408.97 a month put into savings so far. 
We have surpassed our $28K Savings Goal by $6,089.76 at this point in the year.
And there are two more months left to save some more!
Woohoo!!!


Final thoughts on October---
More monthly bills were down rather than up except for the credit card and we had an extra paycheck this month.
3 irregular bills put a kybosh on socking even more money away this month.
But even so we put a LOT of money away in October!

THOUGHTS going forward into November----
No irregular bills this month, except for if any medical charges come through from either the foot episode or the cataract surgery ongoing saga. 8-(
I have under $200 in store card charges(clothing for College Boy and some Xmas presents)due this month.
No extra paychecks or much "other income" expected in November so it should be a boring, middle to low outgo and income month for us.

With 10 months behind us we have surpassed our savings goal in 2015.
Even so, I am NOT letting up on socking cash away for the last 2 months of the year.  If everything goes as planned and if the bills for these 2 months in 2015 follow along with what we saw in these same months in 2014, I could be looking at putting away another $5K before the year is out.  That would put our total saved in 2015 at just over $39,000, a full $11,000 more than I set out to save.
This would be amazing to me but only time and our spending will tell if we get to this stretch goal or not.

So how was your October financially?
  
Did you spend less than the income you had in October?
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 a want?
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 or commiserate with you!

Sluggy