Saturday, March 7, 2020

To-Do List.....February Update

Let's see what I got accomplished(or not)in February...........

*  Pay Bills  DONE  Every bill was paid on time or early as always.

*  Read 1, 2, 3 Books  DONE

I read THREE books in February and got 75% of the way through a fourth too. ;-)
February was the month of Diaries and Memoirs evidently. 

First I read this one.........


"Elihu Washburne: the Diary and Letters of America's Minister to France During the Siege and Commune of Paris"  by Michael Hill

Elihu Washburne was born of humble beginnings in Maine.  He attended public school in Winter when not working for his family, and eventually passed the bar after studying with a local judge and attending Harvard law school for a year.  He moved to Galena Illinois and there he became acquainted with fellow Galena native U.S. Grant and fellow Illinois native Abraham Lincoln, as they both were on the ascendancy of the careers.
Washburne became involved in politics, serving in the House of Representatives from IL.  He was tapped by Grant once he became POTUS to serve as our diplomat to France in 1869, a position that should have been a cushy appointment for the 53 year old Washburne.  He brought his family over and while taking the waters in Carlsbad(for what is thought to have been malaria)in the Fall of 1869 France's Second Empire became embroiled in what we know as the Franco-Prussian War against Wilhelm I of Germany and Chancellor Otto von Bismarck.

Washburne sent his family to Brussels, Belgium and he returned to his post in Paris.
He is the only diplomat from a major power to remain in Paris during it's siege.

No one in government thought Washburne should have been appointed a diplomat, let alone to France as he was thought to have had no qualifications for the job.  He was however a sincere and honest man who tried his best and he was able to get many American and German nationals out of Paris and kept a good number of both alive who became trapped during the siege.
A "real" diplomat would have abandoned his post as it was a hopeless situation but Washburne was no diplomat and thankfully for many Parisians he, along with his grown son, Gratiot, remained to provide humanitarian aide to thousands.

Washburne kept a diary during this trying time in history, one of the few detailed firsthand accounts of what it was like during the Siege of Paris inside the city during the war and the lawlessness that ensued right after the end of Prussian hostilities when The Commune, a socialist and revolutionary government,  took power within the city.

This book's author supplies background information when needed to the reader for a full comprehension of this historical event and the Washburne diary entries.
I found this book very interesting and I learned much about the Franco-Prussian War.....at least this part of it.

If you like firsthand accounts of history, read this one.


Then it was...........

"Lust and Wonder: a Memoir" by Augusten Burroughs

From the best selling author of his memoir, "Running With Scissors"(which was made into a feature film)about his very strange childhood, Mr. Burroughs has a way with storytelling.  This memoir concerns his relationship struggles and love life with his then partner(now ex)Dennis and his agent Christopher.
He's a great storyteller and I was drawn in with his dark, acidic humor.  As Shakespeare said, "The course of true love never did run smooth", especially for this neurotic gay man. ;-)

It's a fast read and there are true tidbits of humor and moments of "aha!" in here.  It's made me curious to pick up and read his other memoirs/works.

Lastly I read this one...........
"Twelve Years A Slave" by Solomon Northup-as told to and edited by David Wilson
(You can read this one for free online-link is HERE)

Another memoir, released and edited by a white publisher in 1853.  Solomon Northup was a free, educated black man from New York(his father had been a manumitted slave and his mother was a free black woman)who was tricked into thinking he was venturing to Washington D.C. for a musician job, was kidnapped instead by white slavers and sold into slavery in 1841, eventually ending up in the swamps of Louisiana on a cotton plantation where he was eventually rescued by friends and family in 1853 and returned home to New York.

Along with Uncle Tom's Cabin, this memoir helped inflame the abolitionists in the North and added to the sparks that fanned the flames of the War Between the States.  It was a best seller in the 1850's but faded into obscurity until Hollywood made it into a feature film in 2013.

But this was more than just a "White Southerners are Evil" tale.  Mr. Northrup had multiple "masters" during his enslavement and he goes into detail about each of their characters......some were benevolent, some were evil, some were sadistic and some were benign.  He also paints full pictures of all his fellow slaves(those born into the condition)he lived and worked with and you can clearly see them and you weep for their lot in life just due to the color of their skin.
His experience, having been free all his life, colored his captivity differently from his fellow slaves so this isn't a normal slave narrative. 
 Being educated he was able to use his intellect to survive no matter which kind of master owned him at whichever time during his captivity.  He was highly capable and employing his wits and not giving up hope of escape are what saved him in the end.

Court cases were brought against various parties who kidnapped and held Northrup but eventually charges were dropped.
Solomon Northrup took up the lecture circuit after the book was published and just disappears after a few years from the written records.  His death and whereabouts are unknown to this day.
If you want to read something in the "slave narrative" genre(and I have read a few), THIS is the book to pick up.  It is much better than the movie they made from this book IMHO.



*  Hold Giveaway  DONE





*  Mail Giveaway  DONE  Mailed and received and enjoyed. ;-)
And the winner's kitty, Dexter, was very happy.

Jen G. has won a giveaway before which included hair ties.  Dexter loves to steal them so I put a pack of hair ties in Jen's box for him.
Here Dexter is with one of his prizes......lolz




* Clean House  PASS  Well it's not the bang up job I use to do, I did get a bit done every week and the place is more presentable(not that we are expecting anyone).  I can't bend and get down on my knees to scrub floors so I do a little at a time and have asked Hubs to do some of that for me which he promptly ignores. lolz
I just need to stay on top of putting things away.  Ex-CB is a great one for dragging things out and not putting them away so there is a moderate amount of nagging to get him to tow the line.

*  Donation to Food Bank  DONE

My local food bank takes toiletries, paper goods as well as OTC medicines.  As I was going through my toiletries stash to get 2020 giveaway boxes ready for the beginning of the year I culled all in these two photos to take to the food bank.




All that baby food was bought after I made this delivery so I'll gather a good amount to go with the baby food and make another trip up with it in March or April, depending on how much other stuff I have.

*  Move Money  DONE
Hubs sold the rest of our Prudential stock when it hit a high mark not seen since 2008 when the Recession hit.  We've been waiting to do this for awhile and the market finally rose enough.  *With the pandemic fear now, it crashed and is lower than 2008 levels so we timed it well.*

Anyway, we decided to split the cash out in half with each of us getting 50% to use however we wished.  I am sure Hubs money will buy guns and ammo and beer while I put mine in one of our Capital One accounts, the one with my personal $$ in it(like my inheritance from my mom, etc.).  So that money was moved. yay.

*  Clean Pantry  DONE  

I dug some things out we weren't using and gave them away or threw them out.  Things Ex-CB took out of the garage stockpile and didn't use got migrated back to where they belong and I did a tidy up of what was left in the pantry.  I only keep in use/opened items in the pantry in the Winter.

*  Sew Dog Bed  DONE  I had bought a cat bed back in MD when I was on my trip to Ocean City with Kim and her Sissie at an Ollie's(Good Stuff Cheap!).
Unfortunately it has zippers that hold it together(I guess so you can disassemble it easily to launder it).  Dixie has figured out how to take it apart and was doing so every time I zipped it back together so I had to stitch the whole thing up by hand to keep it together. lolz

*  Sew 4 Flannel Dog Blankets  DONE  We had two flannel sheets from when Ex-CB was in college that aren't needed any longer as bedding.  I cut them each in half and hemmed the 4 sides and Voila! 4 dog blankets.

*  Clean my Desk Area  FAIL  Well I DID clean my desk area but by the end of the month it was a cluttered up mess again...not quite as bad but still.  I need to find other places for some things and keep this Item on my list for March.

* List Items on eBay  FAIL  Between dog surgery and recovery and being sick myself for half of February I didn't have the 'umph' to list anything on eBay.
I DID however sell 1 item that was already listed.  I'll take that small victory. lol

*  Take Dixie for Bloodwork  DONE
Before she got spayed they needed to do blood work on her because she was going under general anesthesia.  One test came back with a low platelet count so they had to do an additional test so there went $40 more for that.  
It turns out that she has a congenital blood disorder called idiopathic asymptomatic thrombocytopenia.  It's a benign condition without bleeding issues for her but almost 50% of Cavaliers have it.  It could lead to other problems later on so we just have to watch for symptoms.
Knowing this, it's a good thing we decided not to breed her.

*  Have Dixie fixed  DONE  She got her stitches out on Wednesday and she is back to her goofball self now. 8-)

* Plan/Goals for 2020  FAIL
Well we've just been bumping along so far this year.  We do need to decide if we are traveling anywhere else this year, what house projects to tackle and then there is lots of legal stuff to tackle in regard to our moving(most of which I am not at liberty to divulge).  And in addition, we are waiting on Ex-College Boy to move out, which will be happening hopefully this year, before we put this house on the market.  Add in that all this legal stuff also involves my brother's cooperation and he can be a tad passive-aggressive so there's that too. sigh.
This month Hubs and I will sit down and try to plot out a strategy(along with nudging EX-CB).


An ok To-Do List outcome for February.  Now it's onward to March!

Did you get stuff done in February?

Sluggy

Friday, March 6, 2020

Frugal Friday......The March 6th Edition

Let's see what frugal goodness took place around here this past week..................

* I got the Weis(PMITA)Markets freebie last Friday.........


A can of OJ concentrate.

*  I earned $2.10 in Ibotta rebates.


Rah! 8-)
I also earned $1 on SavingStar last week.  I picked up a package of Magnum ice cream bars on clearance for $2.24 so after that rebate they cost me $1.24.
Rah Rah! lolz

*  I almost forgot so this is an Update.......
I got a $10 store coupon from Kohl's so I went Monday while my 30% discount coupon was still valid to see what I could find on clearance for free/cheap.  I found 3 items to put away for Christmas gifts for Ex-College Boy so I can't show them here.  Total came to  $1.40 OOP.
Nice. 8-)

*  I found some good deals at Weis last week.
First some clearance items.........

.62¢ a box whole grain spaghetti on clearance.


Lots of cellophane tape and better than free Vitamin E sticks after rebate at R-A.....


.63¢ spent on a free R-A gift card for Kleenex and Betadine spray plus sample freebies too.

I hit the Dollar General Clearance event last Saturday(plus was able to use a $6/wys $25 Q)..........

 I paid $11.37 OOP

And of the items I'll keep for our use it was $5.79 out of my grocery budget. ;-)

Other shopping deals from this past week can be seen HERE and HERE if interested.


*  I found money!


This .22¢ was found all in one go at Rite-Aid under the candy rack at the register last Friday.  One of the dimes I saw first, glinting at me in the sun, and then when I went back up front I saw there was more under there so I snagged the other dime and the two pennies. ;-)


I found another penny on the floor at R-A on Saturday.



I found this worse for the wear penny outside Dollar General on Saturday.


And this shiny fella was spied under a rack at the Rite-Aid downtown on Tuesday.

Total Found Money this Week....  .25¢
Total Found Money for the Year so far....$43.16


*  Hubs and I went out to lunch on Wednesday to Outback.  We used a gift card Hubs had to no $$ spent OOP(other than the tip which Hubs took out of his WAM).

That's about it from Chez Sluggy for the week.


Did you have any frugal wins this past week?
Tell us all about them!


Sluggy

Thursday, March 5, 2020

Rite-Aid & Other Shopping and Deals This Week

Lots of shopping this week at lots of different places(Rite-Aid, Weis, and two Grocery/Produce Outlets).

First off Rite-Aid--
This week one type of Rite-Aid brand cellophane tape is on sale BOGO and when you buy 2 you get $2 in Bonus Cash back.
So you end up getting 2 packs of tape, pay $1.49(plus sales tax if applicable to your state)and get back $2, which is a .51¢ moneymaker(before tax).
This is a monthly Deal for March, limit of 4 per card/account.


I maxed out this deal on my card and my son's card plus I bought Nature's Truth Vitamin E sticks which are BOGOFree this week as well on son's card but I'm putting it out there as one transaction.

16 x R-A tape BOGO sale=$11.92
2 x NT Vitamin E sticks BOGO=$1.99
SubTotal......$13.91+.71¢ tax=$14.62

I paid with $6.31 in BC(on my card)and $8.30 on a free R-A gift card(on son's card).
I earned back $16 in new Bonus Cash($8 on each card).
I also submitted for a $2 Ibotta rebate for the Vitamin E sticks.
So $14.62 "spent" and $18 earned back.

On Wednesday it was Wellness Wednesday so I went up and got a few items on son's card........


2 x Kleenex BOGOFree sale=$2.99
2 x Betadine spray 20% Wellness discount($8.79)=$17.58
SubTotal........$20.57

Coupons Use
2 x $1/1 Kleenex WWQ=$2.00
2 x $2/1 Betadine IPQ=$4.00
2 x $7/1 Betadine WWQ=$14.00
Total......$20.00

$20.57-$20.00=.57¢+.06¢ ta=.63¢ OOP on a free R-A gift card.  I should have used the .63¢ of the $8 in BC on that card but I forgot I had it on there. oh well...

I also picked up the 3 freebies in front--a sample Aquaphor spray, CeraVe lotion and another Bayer pill caddy/key chain for daily baby aspirins.

I also hit P and R Outlets when I went across the river to hit another R-A.  It's a discount grocery/HBA/ outlet that also stocks gluten-free stuff and a lot of organic foods(mostly the fresh produce).  Here are the best deals I got there and nothing was out of date.........


6 x Hormel Turkey No Bean chili for .59¢ a can
2 x Reese's water chestnuts for .10¢ a can
1 x Momfuku Thai chili sauce for .29¢ a bottle
1 x Back to Nature maple pecan granola for $1.99
1 x Ka-Me sesame Teriyaki noodles for .79¢
2 x Suzie's almond butter cookies for .59¢ a box
2.83 lb. zucchini for .69¢ lb.($1.95 total) pictured below
1 lb. bunch of asparagus for $1.49 pictured below
9.7 lbs. bananas for .10¢ a lb.(4 bananas) already gone lolz

P and R $12.40 OOP.

I also hit Malacari's produce market and got all this(except the 2 items mentioned/bought from P and R)........

1 x 3-pack of Romaine lettuce=$1.99
2 x 1lb. Butcher Wagon bacon=$3.98($1.99 each)
1 x 2lb. frozen shrimp=$9.99
1 x 1.95 lb. cabbage=$.96(.49¢ lb.)
1 x pack of snow peas=$1.60
1 x 2.48 lbs sweet potatoes=$1.71(.69¢ lb.)

I also spent $7.76 on 1.11 lbs. chicken lunch meat.  They have the lowest price on Dietz and Watson lunch meat around here, charging $6.99 a lb.

The Butcher Wagon brand is made by Hatfield, a well known PA brand.

Malacari $27.99 OOP.

I also hit Weis(PMITA)Markets this week.........


3 x Oral-B toothbrushes on clearance $1=$3.
I had a $2/1 Q for paid $1 for all three, making them .33¢ each.
Good price for a toothbrush.


4 x large packs of Luvs baby wipes on clearance $3.14 each=$12.56
I used 2 x .50¢/2 Luvs Qs that doubled to $1 each so $2 off making these $10.56 OOP.

And I did the Clorox deal(spend $20 on select items/Get $7 off instantly)and it was working off of reg. shelf price.........


4 x Clorox wipes on sale 2/$5=$10.00
3 x Glad wrap on sale 2/$5=$7.50
SubTotal.....$17.50

Coupons Used
4 x .50¢/1 Clorox wipes IPQ (doubled to $1 each)=$4.00
3 x .75¢/1 Glad wrap IPQ(doubled to $1.50 each)=$4.50
Coupon Total.....$8.50 + $7 instantly off=$15.50

$17.50-$15.50=$2.00+.12¢ sales tax=$2.12 paid OOP

As an aside, the bleach shelves were practically bare.  I should have taken a picture of them.
Plenty of wipes and spray cleaners though, just the bleach.

It was a high spend(not including R-A)week for me but I got lots of good deals.

Sluggy



Wednesday, March 4, 2020

Dollar General Clearance Event Scores

The Big February clearance event at Dollar General this past weekend(50% off all clearance + anything with a clearance % off on the shelf also was another 50% off)meant I had to go poke around.
We don't have large DGs here and a lot was already gone when I got there Sat. am, the sale having started on Friday, but I did find a few goodies.............


4 x Herbal Essences coconut milk shampoo clearance price $2.25=$9.00
4 x Biore face scrub clearance price $1.50=$6.00
2 x U Kotex tampons 36 ct. clearance price $3.37 =$6.74
2 x DG razors 10 ct. clearance price .90¢=$1.80
1 x Thermacare lotion clearance price=$2.25
2 x Febreeze Car deodorizer clearance price $2.25=$4.50
SubTotal..........$30.29


2 x U Kotex pads 12 ct. clearance price $1.80=$3.60
1 x Solo bowls clearance price=$1.35
1 x DG 500 ct. paper napkins clearance price=$1.35
1 x Ajax dish soap 90 oz. jug clearance price=$2.23
1 x Little Tree 3 pack car deodorizer clearance price=$1.28
2 x Little Tree 1 pack car deodorizer clearance price .45¢=.90¢
4 x Bath Fizzy packs clearance price .45¢=$1.80
SubTotal...........$12.51

Grand SubTotal....$42.80

Coupons Used
1 x $6 when you spend $25 DigitalQ=$6.00
2 x $5/2 Herbal Essences items(1 ManuQ/1 DigitalQ)=$10.00
4 x $2/1 Biore face item ManuQ=$8.00
2 x $1/1 U Kotex tampons ManuQ=$2.00
1 x $1/1 Thermacare PeelieQ=$1.00
1 x $3/2 Febreeze items DigitalQ=$3.00
2 x $1/1 U Kotex pads ManuQ=$2.00
Coupon Total........$32.29

$42.80-$32.29=$10.51+.86¢=$11.37 Total OOP

The HE shampoo and the Biore items gave me $3 in overage after those Qs.  (4 x Herbal Essences @ $2.25=$9.00-2 x $5/2 Qs($10)= negative $1.00 and 4 x Biore @ $1.50=$6.00-4 x $2/1 Qs($8)= negative $2.00).
After Qs, the tampons were $2.37 each, the pads were .80¢ each, the Febreeze car deodorizers were .75¢ each and the Thermacare  lotion was $1.25(before applying a percentage of the $6 off when you spend $25).

The razors, the paper products, the Little Trees deodorizers, the bath fizzies and the jug of Ajax had no Qs and were all just on clearance.

The bath fizzies were a leftover Xmas item and will be heading into Giveaway boxes later this year.
I would have bought more of the Ajax dish soap if they had more than one because it was a great price for that size jug even without a Q!

The things I am keeping for our use-the car deodorizers, the Thermacare lotion, the Ajax dish soap and the paper napkins and bowls so that's $5.79 OOP from my grocery budget.
The Kotex items are for eldest son's GF and the rest are going into giveaway boxes later this year.

Did anyone else hit the Dollar General clearance sale and what did you find?

Sluggy




Tuesday, March 3, 2020

The Income & Spending Report.......February 2020 Edition

Now that we are living on an annuity and 401K$ withdrawals, I am still going to keep track of our monthly spending and income, and hopefully we'll still be able to live BELOW our means and I'll have some leftover monies each month to tuck aside.

  I am trying to be as transparent as I can with how much is coming in and how much is going out.  8-)


On to the February report---

I had 2 goals for February.......
The 1st is to actually finish the month in the black and not the red.
The 2nd is to try to have a little cash leftover at the end of the previous month to tuck back into a slush fund.  This slush fun may be to apply toward unforeseen bills that are coming due in subsequent months, to spend on "extras/wants" during the year or to just sit there and grow until the end of 2020.

I can report that we finished up February in the black.
The amount we ended the month of February with?.....$2,318.74

Income or Funds We Can Access

The "income" in February---

* Monthly annuity payment of $3,222.24(after tax withholding)
* RMSA(Healthcare account)reimbursement of $1,883.76
* Interest earned on non-retirement accounts of $593.42
* A small 401K withdrawal of $1,129.16(the Feb. part of the 1st quarter withdrawal)
Total "Income" for February....$6,828.58

Expenses in February---

* Healthcare Premium for February was $1,883.76(paid for with RMSA reimbursement)
* Variable Expenses in February came to $2,626.08
Total Expenses....$4,509.84

$6828.58-$4509.84=$2318.74

Slush into February $18,539.48 left in the Slush Fund to take into March with that $2,318.74 overage brings Slush to $20,858.22
The Slush Fund on it's Page(tab at the top of the blog)shows an addition of $2,318.74 for February.

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

HERE are the GOOD THINGS

*  Phone charges(landline-last bill)and internet were approximately the same as last month.(Within $2 or so)and the landline is not a bill any longer going forward. yay!
*  The electric bill was $26.95 lower than in January.
*  The WAM taken was $350.00 less than last month(due to taking cash for traveling to LA in Jan)
*  The main c/c bill was $986.94 less than in January(again, due to road trip expenses last month).
*  The gas bill was about the same as last month.

HERE are the BAD THINGS

*  The water bill was $5.88 higher than in January.
*  We wrote the sister in-law a check to help with her mom's funeral expenses.
*  The new cell phone bill was paid.  It was large so we need to wait to see what it settles down to before we make any changes there.
*  We paid the vet $445.23 to have Dixie spayed.  Thankfully this is a one and done situation. ;-)

The Food Budget costs for February are in another post, which is located HERE.  Food costs are included in the credit card payment(mainly but sometimes our WAM cash too).


FINAL THOUGHTS on February---

February's bills/expenses were nice and boring(except for that large cell phone bill I didn't see coming when we changed providers).  I was surprised that the heating bill was lower than January's bill.  Both months have been mild for PA weather-wise this year, but still.  The heating bill usually doesn't start going down until March but I'll take it as a win. lolz


THOUGHTS going forward into March 2020----

The $1K+ extra in March from the small piece of the 401K withdrawal we didn't apply to the HSA for 2019 tax purposes will give us a financial cushion into March bills, which includes 3 irregular bills-annual sewage, long term care quarterly premiums and county taxes for the year.  The sewage and taxes will be paid early as usual and we'll receive a small discount on those.  Every little discount helps keep more money in your pocket and I will gladly take advantage of them!  This February overage along with the piece of 401K withdrawal applied to March's income will cover all those irregular bills due plus extra leftover to carry over into April.
At that point we'll sit down and see if we need to make another quarterly withdrawal in the second quarter or not.

We will be receiving a small tax refund on our federal taxes but won't be counting on it for any expenses since it will most likely be used to cover what we owe in state taxes as PA for interest income and capital gains on the stock we sold.  No counting chickens until we know what we owe for that. ;-)

Financially we're in a good place going into March. 8-)


So how was your February financially?
  
Did you spend less than the income you had in February?
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