14 Goals for 2016

I have finally come up with my Yearly Goals for this Year.

Most of them are similar to or a continuation of 2015's Goals.

FINANCIAL

*  Save $40K of our income this year.  I did it last year so I am going to try to get to this amount in 2016.  Unless Hubs ups and retires during the year or we get hit with some other financial catastrophe this should be feasible.....a stretch and not easy but possible.  I just have to resist spending on "wants".  Easier said than done, right?  ;-)

*  Attempt to sell some stuff we need to get rid of.  There are some items we need to let go off that are like new or in very good shape that could bring in a few dollars so I need to get back into selling mode.  This could bring in potentially enough to fund a few months of groceries and I will earmark anything sold for that.

*  Take care of all the paperwork/bills/financial stuff in a timely manner this year.
Track spending monthly so we can adjust/correct any overspending/bad decisions asap and not come out the other end of 2016 with financial messes to clean up.

HEALTH

*  Continue with my exercise program, add to it, and do it every month.  It's a well ingrained habit, in that, even on days when I don't feel so well I still get on that bike and pedal way.  I need to add other components to this.  Maybe I'll see about paying a trainer to push me if it's not too expensive?  Because left to my own devices I will slack off if not held accountable to someone. 8-(

*  Do more Gardening than in 2015.   I think we will dig up where the pool use to be and use that as gardening space this year.  It's already cleared and it's in the middle of the backyard so gets sun most of the day making it perfect if we can fence it off from the rabbits.  More produce grown=more produce eaten=better health.

*  Do some canning.  Other than making some peach jam last year I didn't do any other canning.  I had no tomato crop so I couldn't make my relish(thankfully I still had enough so we won't run out before I can make some this coming Fall)or can any tomatoes.  I have plenty of jars so I just need to get the produce and do this....no excuses.

*  Lose 20 pounds.   While I am exercising on a regular basis since last March and we are eating better/less and feeling better overall I still need to drop some weight.  I have various health issues that keep me from doing more and medications that keep me from losing but I need to do something to make this happen. sigh.  Perhaps at my next dr. check-up I'l pick his brain on what I can try that is alluding me.

PERSONAL

*  Paint 12 Items in my Ceramic Stash.  After ignoring the basement for so many years I am facing up to all the unfinished product down there now.  If I don't get anything else done this year I NEED TO PAINT this stuff!!!  And after I do I get to have to problem of doing something with all this newly painted stuff.  Unless I can talk 12 friends into coming to see me this year and then I will have presents for all of them to take home. ;-)

*  Sew and COMPLETE 6 Projects.  I completed 8 sewing projects on my plate last year.  I still have a couple "already started" ones and I will start some new projects to get my 6 done.

*  Complete 1 crochet project.   I have the yarn and the hook I just need to sit down and do this.  Last year with the cataract surgery and all the eye problems this wasn't even feasible so it's back on the list for this year.

TRAVEL

*  Go on at least 2 trips for pleasure.   I am feeling like more of a homebody at the beginning of this year so I am not feeling that travel bug as much so I am thinking of ramping back the travel plans for 2016.  Only time will tell if I keep to this smaller amount of travel.   Perhaps no Family Reunion Trip this year and there will be no trips to find a kid an apartment and then back to move them.....so that's 3 less trips to make in 2016.   Maybe no trip to LA this year or we will fly out?  We have talked about going back to Maine this year as we haven't been in quite a few years and I really love Maine.  Perhaps I can stop in MA on the way and visit some family?
And then of course there is the invite to come see Kim in ID.  If Hubs retires unexpectedly this year we'll have the time to do that trip.  8-)

HOUSE STUFF

*  Have 2 House Repair/Improvement Projects completed. 
There is still the bathroom redo/repair on our plate that we put money aside to complete this last year but never got around to doing it.  Plus we need to figure out which other Project we can tackle in 2016.  I am thinking window glass replacement as we have at least 5 glass seals that have broken.  Plus we need new window screens for most of our windows.  Not things we can do ourselves but things we can put money toward and get ticked off the repair list.  We just need to wait and see how much Hub's bonus will be this year to see how much we have to work with to pay for the 2nd project.

*  Get rid of 6 boxes of possessions plus some larger items that need disposing of.  I still have some "stuff" to get rid of in the house, even after sending 11 loads to Salvation Army last year.   I need to figure out how to dispose of most of my ceramic molds from when I had a ceramic business.  And I need to help Hubs go through the shed this Spring/Summer too.  I don't usually go in there but I took a peak back in the Fall and I can easily see many items we don't need to hang onto like old pool stuff and bicycles from when the kids were smaller.  I am sure there are many more things we can pitch or recycle in there too.

BLOGGING

*  I will try to blog 6 days a week as this is pretty much how much I do now.  I have my regular weekly and/or monthly posts--Monday's Weekly Meal plans/results, End of month Savings Challenge.  Food Spending/Budget, and Monthly Goal Update posts.  

So that's my list of 14 action areas for 2016.
Now to turn these Goals into Reality, how do we proceed?
After all, a Goal without a Plan is just a Wish.

You can't hit a target if you don't name that target first.

Make a plan to reach your goals.  I plan to incorporate my Goals into my Monthly To-Do List which is posted on my blog side bar to the right.  


Wish me luck! 8-)

Sluggy

This Week on the Dining Table

It's the "College Boy left home again" Edition--

Well we finally got rid of him sent him off again to finish off his Sophmore year of college.

I must have said something funny right before I took this shot. lolz


Onward to the meal planning!

Here's what was planned last week.......

1. Sunday--Cod Loins(fish), Cole Slaw, Mandarin Blend Veggies
2. Monday--Leftovers
3. Tuesday--Chicken TBA, Veggies TBA(not sure exactly what dishes yet)
4. Wednesday--Chili(from freezeer)(I'll have leftovers or soup)
5. Thursday--Turkey Roulade and Stuffing(from freezer), Butternut Squash
6. Friday--Fried Shrimp(from freezer), Cole Slaw, Steak Fries, Corn
7. Saturday--Leftovers or Take-Out

And this is what actually happened--

1. Sunday--Cod Loins(fish), Cole Slaw, Mandarin Blend Veggies
2. Monday--Leftovers(I had spaghetti w/meatballs)
3. Tuesday--Turkey Roulade and Stuffing(from freezer), Butternut Squash
4. Wednesday--Leftovers
5. Thursday--Fried Shrimp(from freezer), Cole Slaw, Corn Casserole
6. Friday--Chicken Enchiladas
7. Saturday--Leftovers(I had a large Salad.)

6 meals cooked at home(3 new meals and 1 using up leftovers)and 2 nights of boring old leftover leftovers.
I also made 2 pumpkin pies and after the Pumpkin Pie Monster aka CB attacked them we are down to half of 1 pie.

Everything planned was served, except for no Chili since we had ample leftovers without thawing that out.
I also have been having leftover cod sandwiches most days this past week for lunch.

As for my grocery spending last week......$134.72.  This includes 3 smallish trips to Weis, 1 trip to the Bread Outlet for 3 packages of rolls and 3 Danishes and 1 trip to Maine Source for eggs, onions and tomatoes and some meats(beef, shrimp).  I have spent $288.76 so far this month and have $11.24 left in the January food budget.  I anticipate I will go over my $300 food spending limit this month.
Not quite $100 of what I spent this month went to restock College Boy's emergency school food supplies and snacks so I've already spent my $200 on the regular food shopping here.
Yeah, I suck at this this month.

Leftovers going into this week......beef stew, turkey and stuffing, butternut squash, meatballs and Italian sausage, chicken enchiladas.

Here is this week's "food plan"--

1. Sunday--Meatball Subs, Veggies
2. Monday--Turkey Sandwiches(using up leftovers)
3. Tuesday--Butternut Squash Soup, Salad
4. Wednesday--Orange Chicken, Rice, Veggies
5. Thursday--Birthday Dinner Out
6. Friday--Leftovers
7. Saturday--Pizza or Leftovers

This week will see 3 new meals cooked and  3 meals of leftovers(repurposed into new dishes) and 1 meal out.

What I need to buy for this menu?  Not a thing.  But this probably won't keep me from grocery shopping the next 13 days of the month. lolz

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 last week?

Any great deals on food at your stores this week?

Sluggy

Keeping Costs Lower Where You Can

I was out already this morning to run two errands.
First to Weis(PMITA)Markets........

6 x Dinty Moore stew on sale $1.87 ea.=$11.22
2 x Whack Biscuits on sale $1=$2.00
1 x Smart Balance spread on sale=$2.50
1 x Bakery rolls 50% off=$1.64
4 x StarKist tuna on sale .77¢=$3.08
SubTotal.......$20.44

Coupons Used
3 x $1/2 Dinty Moore ManuQ=$3.00
1 x $1/2 Pillsbury fridge goods IPQ=$1.00
1 x .75¢/1 Smart Balance IPQ(doubled to $1)=$1.00
2 x $1/2 StarKist IPQ=$2.00
Coupon Total.......$7.00

$20.44-$7=$13.44 OOP
$32.35 in reg. retail so I saved 50.45% on this order.

I also have a $1/2 Pillsbury biscuits Rebate clipped on my SavingStar account so I'll be getting $1 back there too, making this $12.44 OOP.
(I am up to $21.00 in rebates on SavingStar and it's only January!)

The canned stew will go into College Boy's emergency food stash and the tuna may be headed for the food bank.  Rolls, biscuits and spread are for us.

While I was at Weis I dropped off a rx to transfer.
Since we have a $3K deductible at the beginning of each new year for our medical insurance I have 2 different scripts for my high cost prescription.  Same medicine but different delivery system means the Usual and Customary for one if $355+ and the other same drug/diff. brand/system's Usual and Customary price is $250+.
So when we have to pay the full U&C before we satisfy the deductible and are then only charged the co-pay price of $45, I have the lower U&C cost drug refilled.

So I transferred this lower cost drug rx to Weis' pharmacy today.......

Yes, that's $251.69 for 1 rx refill!  But it could have been $350+!
At least I also earned 60 gas points for this purchase.
I am trying to look at this as the glass is half full here...... lolz

But why transfer the rx to Weis?
Well, this week when you have them transfer or fill a new rx you can get a $20 Weis gift card(as well as all those gas points).
So that's what I did and got.......

Hey, I figure I have to pay the same price for this medicine no matter where I have it filled so why not have it filled at Weis this week and get $20 of free groceries?  ;-)
Rite-Aid only gives me a piddly 25 Wellness points per rx so I get more of a perk at Weis even if it's just gas points.

Just working the system to keep my food spending costs down for 2016.

Then I went up to Rite-Aid for this stuff........

2 x Charmin TP on sale=$13.88
6 x Coke 12 packs on sale 3/$11=$22.00
2 x Cover Girl eye shadow BOGO50%=$5.08
2 x Cover Girl plumpify mascara BOGO50%=$14.98
1 x Centrum Vitamints on sale=$6.99
SubTotal.......$62.93

Coupons Used
2 x $1/1 Charmin IPQ=$2.00
6 x MyCokeRewards Free Q=$22.00
1 x $2/2 Cover Girl eye or lip ManuQ=$2.00
2 x $3/1 CG Plumpify mascara ManuQ=$6.00
1 x $4/1 Vitamints IPQ=$4.00
2 x $3 OYNO CatalinaQ(from Friday's trip)=$6.00
Coupon Total......$42.00

Except a $4 Load2Card for Vitamints also came off that I had forgotten about and the cashier didn't notice(nor did I until I was in the car)so he manually forced the paper Vitamints Q through and I got an extra $4 off my order.

If you also clipped the $4 Vitamints Rebate on SavingStar you can make the vitamin purchase a $1.01 moneymaker after Q and Rebate(unfortunately I didn't clip that one a couple of weeks ago before they ran out of offers).

$62.93-$46.00=$16.93 + .48¢ tax=$17.41 OOP.
I used $17.41 in Plenti points to pay so no cash spent.
I earned $32.00 in new Plenti points for the order..........

$10 in Plenti points for spending over $30 on P&G items
$10 in Plenti points for #1 Bonus spending over $30.
$10 in Plenti points for #2 Bonus spending over $30($62.93 total spent before Qs).
$2 in Plenti points for buying 6 packs of Coke items($1 per 3 packs x 2).

$32 in new points, spent $17.41 in old points which makes this a $14.59 moneymaker on this card.  8-)))

So I spent $13.44 cash and got $32.35 in reg. retail of groceries, $20 in free potential groceries, $97.67 in reg. retail of toiletries, drinks and paper goods and $14.59 in more new points than I spent down.  The rx refill is a wash as I had to have that filled somewhere anyway but the .60¢ additional off my next gas fill-up is a nice little bonus.

But that $251.69 spent for meds still hurts......lolz

Have you ever moved prescriptions to gain perks like free gift cards or rebates?
I did this 2 times last year at Weis for $40 in free gift cards there and I also moved rxs to Kmart's pharmacy last Spring for $60 in free gift cards there and also earned $10 in free stuff after having my 5th refill purchased there.  That's $110 in free gift cards just for filling prescriptions that have to be filled anyway.  Why not get something else I can use as a bonus, right?

Sluggy

What I Bought at Rite-Aid This Week

Well I resisted going to Rite-Aid until Friday and then I gave in.
Since I really didn't NEED anything I tried my best to stay home.

But the siren song of really cheap stuff that I could potentially sell for a profit got the better of me. lolz

This week Huggies diapers were on sale for $7.99 and you received $3 in Plenti points for every 2 packs you bought.
Limit of 2 offers per card so potentially you could earn $6 in points, plus another $10 in points since buying 4 on your card meant you "spent" $31.96, so you qualified for the $10 in Bonus points as you spent over $30 on "Starting Points" items.
Using 4 x $2/1 Huggies IPQ your total before tax came down to $23.96 so after new Points earned of $16.00 you are out $7.96 + tax.
But if you bought 4 packs of Huggies in the same transaction you also earned a $10 Catalina from Huggies which is good on your next order!
This makes this deal before taxes a $2.04 moneymaker.

I went to do this deal on each of our two household cards except things didn't go quite as planned.
I meant to roll the first $10 Catalina I got and use it in my second diaper order on the second card.

First order--
4 x Huggies=$31.96
4 x $2/1 Qs used=$8.00
$31.96-$8=$23.96 use Plenti Points.
Earned $16.00 in new Plenti Points and a $10 Catalina.

Second order--
4 x Huggies=$31.96
4 x $2/1 Qs used=$8.00
1 x $10 Cat used=$10.00
$31.96-$18=$13.96 use Plenti Points.
Earned $16.00 in new Plenti Points and a $10 Catalina.

$37.92 in Plenti Points spent.
$32.00 in new Plenti Points earned and 1 $10 Catalina.

But the cashier finished the 2nd transaction before I handed her the $10 Catalina so I ended up spending $47.92 Plenti Points, getting $32 in new Plenti Points and having 2 x $10 Catalinas when I was done.
Well, I also bought a bottle of Vaseline in the first diaper transaction too....$2.99, used a $2/1 ManuQ and got $1 in Plenti points back so this on it's own was a .01¢ moneymaker.

Since I had 2 $10 Cats when I was done  buying the diapers I bought......
2 x Viva paper towel 6 packs on sale BOGO so $12.79 for both
I used a $1/1 Viva ManuQ making my total $11.79.
I used a $10 Catalina making my total $1.79 + tax.
I earned a $3 Catalina for buying 2 Vivas in a single transaction(even though 1 is free it still counts toward your total items bought).

I had $1.96 tracking on the card from buying the 4 packs of diapers toward a second $10 Bonus Plenti pts. wyb $30, add in the $12.79 and my tracking is at $14.75.

So I rinsed and repeated the Viva transaction and added 3 boxes of protein/cereal bars.
Special K bars and cereals were 3/$8 at Rite-Aid.  There was an in-ad Q for $3 off wyb 3, making them $5, plus I found a $1/2 IPQ Special K bars and activated a $1/2 Special K bars rebate offer on my SavingStar account.
The second Viva transaction was $20.79-$5 in Qs=$15.79-$10 Cat=$5.79 + tax.
I earned another $3 Catalina for buying 2 Viva and another $10 Bonus Plenti points Offer for spending over $30 total this week.
Plus I'll get another $1 in my SavingStar account later this week.

Total spent in Plenti Points w/tax....$57.90
Total earned in new Points...........$43.00
Total Catalinas remaining...............$6.00
Total SavingStar Rebates earned.....$1.00

So after all my rebates/cats/new points I "spent down" my Plenti points by $7.90.
Or 8 packs of diapers, 4 packs of paper towels, 1 bottle of lotion and 3 boxes of protein bars cost me $7.90.

As for what the plans are the all those diapers?
Either I'll hold onto them in the hopes that one of my older kids gets pregnant in the near future(Hey! I can hope, right?)or I can be sensible and either give them to the food bank or sell them via the town's online marketplace.  I sold a bunch of packs of diapers a few years ago that I had gotten for free at Rite-Aid so I figure I can make about $32-$40 that way off of the diapers, which would make all this a nice big fat moneymaker.  8-)))

I may go back later today and get 3 more bottles of Vaseline lotion as I have 3 more ManuQs and each one is a .01¢ moneymaker so why not?
I can add them to the food bank donation I am gathering this month.

Sluggy

Lottery Fever....Get a Grip People!

Ok, after I heard about the woman who started a GOFUNDME campaign because she spent all her savings on Powerball Tickets(and didn't win anything of course)and wanted complete strangers to send her money because she was broke, and people were actually giving her money!!! before the site shut her down,  I just had to write something.

Yeah, me keep my big mouth shut?  Who didn't see THAT happening?! lolz

Lotteries are bad ideas for the most part.
True they do fund some government programs and fill the state's coffers.
But the percentage of ticket sales that actually go into winner's pockets and the odds of winning, especially a multi-state super lottery drawing like Powerball, are so not weighted in your favor.
While playing games of chance at casinos are always in favor of the house and against you, the odds of winning a state or multi-state lottery are almost nil.
The jig is up, it's a highly rigged game!

A guy named James Walsh wrote a book back in 1996 called "True Odds".  It's about how risk affects your everyday life.  It's an interesting read especially if you are a statistics fan or numbers geek.

Mr. Walsh named one of the chapters, "Lotteries are a tax on the stupid".
That sounds a bit harsh(if not ultimately true), but I'd change it to "Lotteries are a tax on the foolish and the poor.".

The people most likely to play the lottery are the ones who can least afford to lose money on them, the poor.  People who think of themselves as poor seem to play the lottery often if not weekly.  I guess if you have so little money and have little to no hope of ever rising up on the socioeconomic ladder that you feel that your best, if not only, shot at being economically advantages is to hit a lottery.  The dream of winning big gives people with the least hope something to grab onto, if not just for a moment or two.

I have heard it said by more than one person I know, that a large part of their retirement plan is to play and hit the lottery.  Some people might say this as a joke but my mother truly believed that her numbers would come in one day and for a time she played religiously with the little income she had.  She even went so far as to keep track of the odds of which numbers were "due to hit" in a notebook and studied it frequently before picking her lottery numbers.
I'll let you know that her numbers never came in. Gee, aren't you shocked? ;-)  She was able to keep her gambling "in check" and didn't lose every dollar she had, unlike some addictive personality folks out there who lose it all betting in casinos, racetracks, football pools and/or state lotteries.

While winning the big prize in a lottery is akin to the odds of a modern day person being eaten by a dinosaur I am always happy for the folks who actually win(and equally sorry for all those who pissed away lots of money buying the losing tickets too).

But this go around, I saw spiteful people who threw money away on loosing tickets making terrible comments on social media about the holders of those 3 winning tickets.  There was a rumour making the rounds that the person who bought a winning ticket in Callifornia was a 27 year old hedge fund manager, who may have purchased $20K in tickets.  Once that story made the rounds the vitriol was flying!
"Must be nice to be able to spend $20K on lottery tickets?!"
"Someone like this doesn't 'deserve' to win!"
"There needs to be laws so that rich people can't play the lottery!"
Wow.
Just wow.
What do these reactions say about us as a culture?
Sour grapes is one thing but this is ridiculous!

Let's get a grip people.
Gambling is not a long term financial plan so don't count on it as such.
If you want to waste a couple of bucks playing the lottery be my guest and have your little "if I was rich fantasy".
But don't come crying to me(or any social programs our government runs funded by tax dollars)when you piss away all your economic wealth on highly risky games of chance, asking for us to bail you out.
And for gosh sakes, get your heads out of your asses and don't go grumbling and getting pissed at the people who do beat the astronomical odds and win.

Sluggy