Less Stuff Frees Up Your Life

I just wanted to share this video......

Sluggy

November & Snow, Time for Another Giveaway!

Who's ready for the Tenth  Sluggy's Boring Blog Box Giveaway for 2021?!?

It's November and we are close to Thanksgiving and then Christmas....when did this happen? lol
We even got a dusting of snow already.

As I mentioned before November's box is all about girlie stuff.......make-up and other girly toiletries and chocolate!
Let's take a look at what is in the Giveaway Box this month........

1 x Yardley lavender soap

1 x Neutrogena oil-free make-up remover liquid

1 x Whole Blends shampoo

1 x Nivea body lotion

1 x Jergen's bronzer lotion

1 x Sally Hansen nail polish

1 x Wet n' Wild red nail polish

1 x Wet n' Wild glow in the dark nail polish

3 x Freeman face masks

1 x Neutrogena bar soap

1 x Biore witch hazel pore strips

2 x Almay eye shadow

1 x e.l.f. eye shadow brush

1 x Neutrogena HydroBoost face mask

1 x Cover Girl eyebrow pencils(black)

1 x Physician's Formula Shimmer Strips Blush

1 x Rimmel eyebrow pencil w/brush(brown)

1 x Rimmel Stay Glossy lip gloss

1 x Almay Goddess Gloss(Ethereal-blue)

1 x Conair Hairbrush

1 x Sally Hansen top coat nail polish

1 x Cover Girl mascara

1 x Revlon Youth FX Concealer

1 x Cover Girl Cheek Blush

1 x 5 Gum Pack(Avengers)

12 x Andes chocolates

11 x Lindt truffles

Close up shots of these goodies.....

Depending on where you shop, the winnings have a reg. retail value of approximately $70-$80+.

Here's how this is going to work.....

* The giveaway is open to ALL readers, previous winners or not.

* There is a limit of ONE ENTRY PER PERSON PER DAY.  Come back each day to enter again.

* Only VALID entries will be posted.  A Valid entry is a limit of one per day and I MUST HAVE VALID CONTACT INFORMATION FOR YOU(either you are on the Giveaway Contact List which I maintain, your comment is connected to a Google/Blogger profile which links to your email address or you email me directly(my email is in the side bar on the Blog)your email address.

IF YOU ENTER THE GIVEAWAY AND DON'T SEE YOUR COMMENT It's because I haven't gone online that day/evening or I don't have a way to contact you if you win.

From all the VALID entries I receive I'll pick a winner at random and the winner has 48 hours from when the post goes live to contact me with their full mailing address.

In your entries I'd like to hear about how you celebrate Thanksgiving, if you do.  Will you travel for it or not?  What's your favorite dish and what traditional foods did your parents serve for Turkey day when you were young?  Any favorite activities other than eating and napping on Thanksgiving?

If you are on my Giveaway emails list just leave a comment and your name(with last name initial please)to enter. If you aren't on the Giveaway emails list make sure you leave your email in your comment OR email me your email privately after you leave a comment(my email is in the side bar area under "About Me").
I'll leave this giveaway open until November 23rd, Tuesday at 11:59 pm Eastern  Daylight Savings Time. On November 25th, Friday, I'll draw the winning entry and post the Winner.

*Please note these rules*
I'll post the name/ID of the winners on this blog on  and those persons have 48 hours from the time stamp on that post to contact me privately via email(my email addy is listed on my "About Me" page, as well as on my side bar).

Disclaimer--This giveaway is open to those with mailing addresses within the US only.  As the cost of postage to foreign countries has gotten too high I am sorry to say I can no longer afford to mail boxes outside the US.  These giveaways are not sponsored by any companies.  I pay for it all(the cost of items given away and the postage to mail it all)out of my own pocket.

***PLEASE 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 a hold of you. If your Blogger associated user profile is a GOOGLE one make sure your email info is linked to your profile.

So let's get this Giveaway started. Good luck to everyone!!!

Sluggy

This Week on the Dining Table

   The "Cooking Will Be Interrupted This Week" Edition...

Here is the original kitchen tile backsplash in my house.  It was lovely back in the 1980's when the house was built and matched the ivory and dusty blue fleur-de-lis wallpaper in the kitchen with the dusty blue duck wall border along the ceiling. ;-)

Now?  It needs to go...like the wallpaper and border went when we moved in. lol

Our "guy" is here today and the next two days to rip it out and replace with this which matches the newer counter tops and the black appliances......

With the stove in the middle of the room, unplugged and with a tile saw on it I won't be able to cook for a few days.  We do have two leftovers we can reheat in the microwave but otherwise there will be take-out.  Yes, I will go so far as to remodel a kitchen to get out of cooking. *snort*

Onward to the meal planning!

1. Sunday--leftover Pork Stir-Fry w/noodles

2. Monday--leftover Beef Stroganoff over Rice, Salad

3. Tuesday--Halushki using leftover egg noodles

4. Wednesday--Pecan crusted Salmon, au gratin Taters, leftover root veggies w/added sweet potato
5. Thursday--? Hub is cooking

6.  Friday--Apricot glazed Pork Chops, Brussels Sprouts, leftover Taters

7. Saturday--Sloppy Joes, Sweet Potato wedges

And this is what really happened.......

1. Sunday--leftover Pork Stir-Fry w/noodles

2. Monday--leftover Beef Stroganoff over Rice, Salad

3. Tuesday--Fend For Yourself(Hubs at tv dinner, I didn't eat-still full from Sub lunch)

4. Wednesday--Pecan crusted Salmon, Green Beans

5. Thursday--Halushki

6.  Friday--Hot Dogs on rolls, Baked Beans

7. Saturday--a McDouble on the ride home from the Bridal Shower

What got put into the freezer last week....

* 6 lbs. of Butter

*  2 packs of Chicken cutlets

What got taken out of the freezer and used...

*  1 large piece of Salmon

*  1 pack of Bacon

*  1 pack of Hot Dogs

I spent $35.88 on food/toiletries/HBA last week. This brings our food/toiletries/paper goods Grand Total to $102.87 for November.

There are 15 shopping days left in November.

I've earned $81.49 on Ibotta in November.

I've earned $18.75 on Checkout51 in November.

I've earned $7.00 on Coupons dotcom/Paypal in November.

I've earned $0 from Aisle.

I've earned 7,772 points from shopping on Fetch in November which equals $7.77.

I earned 4,735 points from food shopping on Shop Kick in November which equals $18.94.

I've earned 1,118 SB from food shopping on Swagbucks in November which equals $11.18.

That's $107.24 in rebates(not counting the Shop Kick/Swag Bucks/Fetch)on $102.87 in grocery spending so in reality it's -$4.37 spent after the 4 rebate apps I count.  Awesome sauce!

My savings percentage for the last week was 74.56%(without "regular" Rite-Aid trips)and the monthly savings total for November comes in at 57.59%(w/out R-A).  Pretty awesome savings rate last week!

Leftovers going into this week....3-4 servings of Halushki, 5 Hot Dogs(because I cooked a full pack).

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

1. Sunday--Chicken and Dumplings

2. Monday--leftovers

3. Tuesday--Chinese Take-Out?

4. Wednesday--Hungarian Goulash
5. Thursday--? Hub is cooking so prolly leftovers

6.  Friday--Apricot glazed Pork Chops, Sauted Cabbage, Taters of some ilk

7. Saturday--Sloppy Joes, Sweet Potato wedges

What do I need to buy to fix everything on this menu? Not a thing.  that's not to say I won't buy anything this week as I am 18 items from the Ibotta Give thanks $10 Bonus and I got a $5 Midweek Bonus for 18 items so I'll be finishing up both of those Bonuses w/18 rebates and then I am done Ibotta for November unless they release some rebates of items I can pick up for the Food Bank.

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

  

Frugal Friday.....the November 12th Edition on Sunday the 14th

 I apologize for being two days late with the FF post but you know....."life".  Been super busy hitting up Walmart and Rite-Aid late this week and attending the Bridal Shower for my daughter in-law to be.

Here are the frugal wins at Chez Sluggy for this past week.........

*  Free Covid Booster and sanitizer at RA on Monday.  My arm was sore a few days but not so bad.

*  Got $2 post coupon refund at RA.

*  Sissie paid for our dinner out on Friday.  Burrito del Mar is yummy and I swear that wooden primitively carved cowboy statue in the foyer, his belt buckle looked like a cod piece it was so HUGE!  Well, keep in mind I had a mixed beverage at dinner. lol

*  I used most of a free gift card at Ocean State for some items for Sissie, me and for a Xmas giftie.

*  I took Sissie out wherever she wanted to shop a week ago Saturday.  Along the way I made a stop at two CVS and Sissie and I snagged a bunch of .14¢ a roll Kleenex tp at CVS at one of them to donate to the food bank.

*  I found money!

Two cents at Rite-Aid on  Friday.

While taking Sissie shopping we snagged this very out of focus quarter from an abandoned inside the store cart at Aldi's. (BTW-Sissie, I dropped the other quarter into your purse in the hallway when you weren't looking so make sure it makes it back into "cat butt". ;-)

Then I spied a penny in one of the R-As we went into.

And then another penny in the second Ollie's we hit.

Total Found This Week...... .29¢
Total Found This Year.......$19.56

Other than having a fun day and a half with Sissie that's it from here for the week.(I'll reveal my Rite-Aid haul in another post since it spanned from Monday to Saturday.)

From the most interesting man in the world and me, what frugal wins did you have this past week or so?
Let us know!!

Sluggy

Income & Spending 2021....The October Report

Now that we are living on an annuity and 401K$ withdrawals(some months), 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 October report---

I had 2 goals for October.......
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 2021.

I can report that we finished up October in the black.
The amount we ended the month of October with?....$349.68

Income or Funds We Can Access

The "income" in October---

* Monthly annuity payment of $3,222.24(after tax withholding)
* RMSA(Healthcare account)reimbursement of $1,971.99
* Interest earned on non-retirement accounts of $173.90

* Money moved to pay for Cruise of $4281.98

* Blogging Revenue of $109.06

Total "Income" for October.....$7,787.18

Expenses in October---

* Healthcare Premium for October was $1,971.99(paid for with RMSA reimbursement)
* Irregular bills in October were $2,950

* Variable Expenses in October came to $4,487.50
Total Expenses....$9,409.49

$9,759.17-$9,409.49=$349.68

Slush into September of $37,977.07 in that Fund, add in $349.68 and we get $38,326.75 going into October's Slush Fund.
The Slush Fund on it's Page(tab at the top of the blog)shows an addition of $349.68.

Outgo

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

HERE are the GOOD THINGS

*  Internet was the same as in September.

*  The WAM was $52 less than was taken last month.

*  The Water bill was $6.44 lower than in September.

*  The cell phone bill was $11.75 lower than last month.

*  The Amazon c/c was $489.76 lower than in September.

HERE are the BAD THINGS

*  The electric bill was $4.36 higher than in September.

*  The gas bill went up by $69.64 from last month.

*  The MC c/c was $1,484.29 higher than September.

*  We paid for the powder room renovation so $2,950.00 in irregular bills.

The Food Budget costs for October 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 October---It was a good month as we were able to cover the bathroom reno without dipping into savings.  I did have to take money out of one of the non-retirement accounts to pay for the December cruise but that's what the account is for...to use for fun things. ;-)
 

THOUGHTS going forward into November 2021---One irregular bill in November, the semi-annual car insurance.  Not a very large bill and it's doable.  We are not hosting Turkey day so that will bring some food costs down but the gas bill will be higher due to two trips to New Jersey(bridal shower and Thanksgiving invite).  Plus a shower gift will come out of November's income but won't break the bank.

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