Saturday, November 5, 2011

Dolls Equal Sadness...or the Story of Wasted Opportunity

This is Sluggy's Cautionary Tale.

 


I got the remaining load of dolls uncrated, cleaned up their boxes(if needed), photographed and put up on the local Yahoo Tag Sale site the other day.
14 assorted dolls and 6 boxed outfits for 1 of the dolls.
This is the last of the dolls that had belonged to my mother.
And I am feeling sad.

Sad, not because they remind me of my mother and she has been gone now 11 years.
Sad because of what they represent......all that wasted money and the opportunity to use that cash for a better purpose.

You see, my mother never actually enjoyed these dolls.
At some point after her divorce from my rat bastard father(don't judge me), after she had been getting her alimony for awhile and felt financially secure(though she really wasn't), she began to buy these dolls.

Basically I can see now why she was spending all this money on something she stuck in the dark recesses of her closet as soon as she bought it.
She was buying her childhood....or rather, the childhood she wish she had had.

My mother was an only child, born in the midst of the Great Depression.  Her early years were spent growing up in the hills of Virginia(think "The Waltons").  Her parents were young and seeing as her father didn't work much due to the double whammy of no jobs and he drank, they had nothing.  Though they lived in the midst of a very large family in the immediate area with some wealth and influence, this little family unit was dirt poor.  They lived without electricity, running water, flush toilets in a log cabin that I suspect my Grandfather had built.
Not a Log Home, a one roomed log cabin on a little patch of land my Grandmother's parents had given her.

Eventually they moved away from the hills down to the coast and the big city, where there were economic opportunities.  This little family went on to prosper but my mother's early childhood, while filled with a large loving extended family, was void of "things".

So when she felt she had money to "play around with", she started buying the things of her childhood days that she was deprived of in her youth.  A few times, when she would show me or talk about something she bought, she'd tell me it was an "investment", because these were collectibles, limited edition or special items.   I am sure I was rolling my eyes at her in response.lol

No one knew the extent of this "rebuying your childhood" spending until after she passed away.
That's when my brother went into her closet and found the hoard of dolls.
Barbie Holiday dolls, replica dolls, Danbury Mint dolls, porcelain dolls.
Her three most favorites to buy were Shirley Temple dolls, Gibson Girl dolls and Christmas Barbie dolls.
I can see why she collected these three types.....
*Shirley was a BIG star as a kid and the same age as my mom.
*Gibson girls were from a more romantic era(mom was a romantic at heart) and represented her mother's generation
*My mother was a HUGE FAN of Christmas.

And she left every blessed single doll to my Daughter, her only Granddaughter.
My tomboy daughter, who stripped nekkid her 1st Barbie doll and left in a corner so she could put the outfit on her miniature stuffed animal.lol  Daughter was never a fan of dolls.  She didn't want them, I didn't buy them.


So my mother never actually gave Daughter any of these dolls, when mom was alive and my daughter was young and could enjoy them.
Mother also never displayed or enjoyed her dolls in her own home.

About 10 years ago, after my mother passed and her estate was cleared, I was given possession of all these dolls.  This was not even a year after we moved to this house.  Between the day-to-day of raising 3 kids, settling into this home and dealing with my own depression and shopaholic tendencies, I was overwhelmed.

As there were so many taking over the house and our lives, I decided to sell them a few years after bringing them to PA....or at least the ones I could find at that point.


I was able to sell off via eBay about half of the number we had.  That was 6 or so years ago when going prices were higher on the auction market.  I tucked that money away for Daughter's college fund.
Let's just say, even in a better economic climate, I recouped pennies to the dollar of what my mother spent to purchase these dolls at retail.


About half of these dolls got packed away and mixed in with my own hoard of stuff and I didn't see them again until recently, a decade later
Now that I've uncovered the rest of the dolls, I am hesitant to put them on eBay.  After the fees and the hassle of packing and shipping these things, it is not worth my time for the tiny bit of money they would bring.
Daughter still has no use for them as a 19 year old.  We are planning on moving in 7 years and we don't have room to cart them around until she is on her own and out of the house for good, when she could do with them what she wants.  I suspect at that time, she'd either put a sign that read "FREE" and put them on the curb or use them to build an awesome bonfire. ;-)

So I have made the executive decision and put them on the local selling site and am hoping I can sell at least half of these.  The ones I can't unload I'll have to cart off to Salvation Army and at least get a little tax write-off.

I pulled out the paperwork I have that's associated with these dolls.  Yes, my mother took photos and kept everything for insurance purposes.lol
I got exceedingly sad seeing in black and white on those invoices, all the money she spent on this crap.

All that money that, if she had just stuck into a savings bond or a bank account, could have paid for 4 years of tuition at a good school for her darling Granddaughter.
Wasted on a U-haul truck load of worthless dolls that nobody got to enjoy.

So I am doing the best I can with this situation and trying to turn it into a blessing.....when I'm not looking upward and asking my mom, "What the HELL were you thinking!?!?". ;-)
Maybe I'll feel better when the dolls are out of my life, since they represent waste and sadness to me.

Just take my advice.....If a doll is refered to as a "collector's edition" or a collectible investment, please do yourself a favor and RUN, don't walk! away from it as fast as you can! 8-(


Sluggy



Friday, November 4, 2011

$32K Savings Challenge......OCTOBER 2011 Results


Ok, here is my Savings Challenge Update post.
This post is NOT about bragging or showing off.
And I am still loving this photo from previous month's Savings Challenge posts.
Like everyone, I LOVE a special on crap.....but how do you ascertain if crap is fresh?
Does fresh crap smell.....fresh?


The theme this month is when it finally looks like you can save a boatload of money,  Lightning strikes....literally!, and costs you some of your traction.

On to the October report.....

I have posted my OCTOBER End of Month $32K $AVING$ CHALLENGE Totals.
Check out the side bar to your right for the specific numbers.

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 $2,666.67.

I have to report that we finished up October in the black!
The extra cash amount we ended the month of October with?.......$2,882.92!

Income
We had $2788.98 left over from our income after our monthly expenses were deducted.
Add in $3.00 in Rebates(LOL) applied against the food expenses, $1.94 in Interest on the Checking Account toward the Savings Challenge & the $89 I made selling some dolls, you get a total of $2882.92.

Our monthly target is an average of $2,666.67 to reach our Year End Goal.
We finally had a month where we matched or surpassed that goal!

Outgo
As for the expenses in October......

HERE are the GOOD THINGS

* The electric bill went down $40.
* The water bill went down $20.
* There were no car repair bills or taxes due this month...finally!!
* I sold some dolls laying around the house....booyah!


HERE are the BAD THINGS

* The credit card bill was over $1500 again!
* The food spending was over $600.  It's usually around $250 a month.
* The WAM & cash withdrawals were very high. Hubs did agree to save his receipts so once I get those I can analyze where some of his money went.  Stay tuned.....
* The lightning strike the end of Sept. took out the following: my computer, my printer, #2 son's tv, the garage door opener, the router, the modem and at least 1 electrical outlet upstairs.  So far we've spent $1433.66 on replacing/repairing items.  After our policy deductible of $500, the insurance company refuses to pay an additional $328.44 on the $1433.66 we've had to spend, so we are out of pocket $828.44 for this event.  Some of this spending went on the credit card and will show up on next month's bill.
The insurance goons have been real buttholes.
This is the first claim we have EVER made on our homeowner's policy which we have had with this same company since 1986.  
1 claim in 25 years.
Wanna bet our rates go up next year?

The Food Budget costs for October are in another post, which is located HERE. Once I applied my rebate check total of $3.00, I was still over $600 in food spending for the month.  I sucked at being frugal on food this month.  But I still have over a 79% savings rate on food for the year so I only suck a little.lol

What's ahead for November.......
* There are the usual suspects: electricity, water, phone, cable, credit card bill, food cash, etc.
*Though the big Thanksgiving meal is coming up I still plan to stay on budget with food for November.
* The credit card is hovering at just under $1K yet again, with 9 more days until the billing cycle closes.  We just can't seem to get it down under $500 per month, can we?
* Hubs commuting car needs a tune-up and oil change.  Every time we take it in, this always costs more than just those things so I am steeling for a car repair bill.

YEAR-TO-DATE TOTAL.....
With 10 months behind us, our Savings total to-date for 2011 is $26,419.29.
We are $247.31 off in our monthly average to reaching our final goal at this point in the year. We should have $26,666.66 heading into November so we are just a little behind and the goal is still within reach!

So how are your savings growing so far this year?
Do you have an emergency fund of 6-8 months worth of expenses!  You really should, you know.
With the current financial climate in this country, you should try to put away into savings as much as you can each month or be throwing savings at your debt if you have some.

So come along and Challenge Yourself to Save Money each Month Toward a Realistic for YOU Savings Goal!
Not everyone can shoot for $32K, I fully get that!
But everyone can shoot for some number, right!?

Find a money goal that works for you and put that number out there for everyone to see.  Put it into paying down your debt, put it into savings, invest it or put it toward the principle in your home mortgage....just get busy and do this!

It will help keep you accountable to your goal if other eyes are on you.
Ooo, that sounded kind of creepy didn't it? ;-)

So how was your October financially?
Did you spend less than you made?
Did you stay within your budget or not?

Leave a comment and share with us what you did with your money, both the good and not-so good.   Do you have any tricks or tips that help you to end your month before the money runs out?    Let us know!
If you posted your financial progress on your own blog, leave a link in the comments so we can go check you out too!

Sluggy

Thursday, November 3, 2011

Ushering November In with Decluttering P*rn!

Now that everyone is full of candy, bring on the decluttering p*rn!
This all left the building yesterday.......

 6 sets of Star Trek micro machines vehicles.....try not to weep SonyaAnn!

1 spare Keyboard
1 Precious Moments Jennifer figurine
1 Grateful Dead magnetic clock

1 Halloween wig
8 assorted ceramic Halloween figurines (courtesy of the auction I went to in Oct.)
1 glass Punch Bowl with ladle and Cups (courtesy of the auction I went to in Oct.)
Sometimes at that auction, if no one bids(like on the stuff above), they add it to something else that folks DO want to bid on.  I "won" this stuff when I won something else I really DID want, so off to Salvation Army it goes! ;-)

1 Star Trek Barbie and Ken Doll Set
1 Power Rangers Fanny pack
1 complete Inspector Gadget toy
1 Rolling Stones magnetic Clock
2 Power Rangers movie figures
3 rolls of Manatee Wallpaper Board
1 Energizer Bunny doll
1 miniature Racing car replica
1 cassette tape of Toy Story music
1 set Power Rangers fake fingernails LOL
1 F-P  truck
1 silk scarf from Aruba

2 Star Trek Bird of Prey Vehicles
2 THE TICK Action Figures
1 set of Pokemon color your own Tattoos
Dr. Bobblehead from The Nightmare B4 Xmas
2 Star Wars 12" Action Figures
1 Yoda Star Wars Complete Galaxy Figure Set


Sluggy

Wednesday, November 2, 2011

October Budget Results.......Food and Toiletries Spending


Here are my FOOD BUDGET spending totals for OCTOBER 2011.

I have posted October's totals on the right side bar under Total Grocery Savings for 2011 and updated the Yearly Totals.
I am listing subtotals for each store I purchased from in October.  If you aren't interested in that much detail, just skip to the bottom for the Totals Summary.

My spending includes Food, Toiletries/HBA, Pet Supplies, Cleaning Products, Paper Goods & tax where applicable.We are a family of 5(3 at home this month)& 2 dogs. No kids under 15.
******************

BAKERY OUTLET
OOP  $12.78
Value  $43.40
Savings  70.55%

BIG LOTS
OOP  $50.33
Qs/Ads  $40.00
Value  $90.33
Savings 44.29%

CARONE'S(small local independent store)
OOP  $257.26
Qs/Ads  $159.96
Value  $417.22
Savings  38.34%

FOOD LION
OOP  $36.87
Qs/Ads  $11.57
Value  $48.44
Savings  23.89%

GIANT PA  
OOP  $17.78
Qs/Ads  $24.74
Value  $42.52
Savings  58.19%

REDNER'S
OOP  $63.79
Qs/Ads  $74.56
Value  $138.35
Savings 53.90%

SAVE-A-LOT
OOP  $14.21
Qs/Ads  $6.40
Value  $20.61
Savings  31.06%

WEIS (local chain Grocery store in my town/doubles up to $1 total)
OOP  $152.04
Qs/Ads  $317.94
Value  $469.98
Savings  67.65% 

I don't track Rite-Aid's +Ups here, nor CVS's ECBs & Walgreen's RRs. They will be included when used on purchases under "Coupons".   I'll keep track of what rebates are received monthly.  Rebate money/gift cards will be considered 'income' & will go into the Food/Toiletries budget, offsetting the Out of Pocket. Cash will go immediately into the Budget kitty, while Gift Cards will be calculated in when spent.

REBATE CHECKS RECEIVED IN SEPTEMBER
Pinecone...$3.00
Subtotal........$3.00

GIFT CARDS and CERTIFICATES
$0.00
TOTAL Value of Cash/Store Checks/Gift Card Rebates Received...$3.00

COUPONS and FREEBIES

2 MyBlogSpark Giveaways
1 Shampoo & Conditioner to Test

*********************
My best 3 Store Savings Totals were the Bakery Outlet at 70.55%, Weis at 67.65 and GiantPa at 58.19%.
I shopped at 8 different stores in October.


TOTAL Out of Pocket....sit down for this one!.....$605.06
TOTAL Coupons & Store Sales Savings...$665.79
TOTAL Value of Items Purchased............$1270.85
TOTAL Savings of...................................52.40%


TOTAL of CASH Rebates........................$3.00
TOTAL Out of Pocket After Rebates........$602.06
TOTAL Savings including Rebates...........$668.79
TOTAL Value of Items Purchased............$1270.85
TOTAL Savings After Rebates...................52.62%

This closes out the October spending.

THOUGHTS & COMMENTS for this month-I did indeed go WAAAAAY over my $250 food budget, as planned.  But there was a method to my madness here.  The local independent grocer has a 5 week program where if you hit a certain amount of purchases during that time, you get a gift certificate at the end of November.(They also threw in another Buy $30 of baking items, Get a $10 Catalina Q deal so these items qualify you for both certs.) So I've been buying items there to get me to the total I need for those 2 certs.  It's stuff I'd be buying anyway maybe in the next couple of months, so I'm just buying them a bit earlier to get the bonus cert.  I have been waiting until items go on sale, so at least I am not paying full retail for them, but I am not, for the most part, able to use coupons on the items there.

It's weird after 9 months(and the year before this one as well)to have spent so much money on groceries in 30 days time.  I look back about 4 years ago, to when I use to go the the grocery store with a "sort of list" and no meal plan whatsoever.  I would regularly spend $150-$200 a week and barely have anything left at the end of the week.  If I had to replenish staples(eggs, flour, butter, etc.), I'd spend even more.

What's ahead for November.....
I've still got some more spending to do to get to my gift cert. at the local independent grocer.  As for Turkey Day provisions, I'll need a bird and a few other things but not much to make that meal.
I'm going to try to use down the frozen foods I have here in November.  The freezer can use a clean out and a defrosting before winter sets in.  I'm going to shoot for $300 in food spending in November.

With 2 months left in the year, we have spent a total of $2,509.75 of our income on food/HBA in 2011.
That comes out to $251.27 per month.
We brought home items with a reg. retail value of $12,469.57.
That's a savings of $9,959.82 or 79.85%.

How did you do in October with your Food Budget?
What are your challenges for November?  Any family coming to stay....Holiday Celebrations?.....or is your school/work schedule too busy to shop/cook/eat as a family?

Please leave a comment or link to your post and let us hear about your progress!  By sharing our struggles and efforts we can help each other stick to our budgets and learn to be better guardians of our resources.

Sluggy


Rite-Aid October SCR Period Totals

The October Single Check Rebate Period ran from Sept. 28-Oct. 25.
I did exactly 1 Rite-Aid shopping trip during this time.
Obviously, this update will be short. lol



Rite-Aid GRAND TOTALS--OCTOBER Rebate Period

Number of Transactions......1
Total Spent....$.26 put on free Gift Cards/Certificates so ZERO OOP

Number of Items purchased.....1
Value of Items purchased....$21.49
SCR qualified for....$0.00
Other Cash....$0.00
Additional Rebates....$0.00
Additional Non-Cash Rewards....$0.00


+UPS Totals for September SCR period
+Up Rewards carryover from 9/6.....$0.00

+Up Rewards spent....$0.00
+Up Rewards earned....$
0.00
+Up Rewards left....$0.00  includes ALL +Ups not just ones from this SCR period


Still not feeling like going back to Rite-Aid anytime soon.
Unless I find some more FREE ITEM Qs I need to use there.lol
I still have tons of HBA items left and haven't needed anything from Rite-Aid.
It's going to take something really great to get me back in there or running out of something.

On a bright note, I AM enjoying the break from Rite-Aid-ing!  It's nice to not have the stress of expiring +Ups to worry about. ;-)

Sluggy

Tuesday, November 1, 2011

Every Day I'm Shufflin'........Shufflin' Crap Around the House!

When you watch this think of me.....shufflin' crap around my house, cleaning and clearing it out and off to charity!



Cranking up the volume and shufflin' off to the living room to sort through more crap now....

Sluggy

Monday, October 31, 2011

BOO!.....Did I Scare Ya?.......Happy Halloween!


Looking back at Halloween when I was a kid.....I can only remember 1 costume I wore.
It was a black dress shmatah...it was homemade. The best part of it was the awesome Witch's hat my mom made for me. It had a paper bag base covered with black crepe paper with a brim....the classic Wicked Witch of the West model....

What made it even better was she took strips of black crepe paper and curled it and attached them to the underside of the brim, making black flowing "hair".  She also made a tassel of strips of the twisted paper and had it coming out of the point of the hat.
As I ran from house to house, my costume flapped in the breeze.
Best.
Witch Hat.
Ever.

And it cost almost nothing since the paper bags were free from the grocery store and the pack of crepe paper was cheap, and the dress thing was a dyed sheet she cut up.
We weren't wealthy people so no cheap plastic costumes from Woolworth's or Rose's for us.

Yah, I thought I was Miss Thing that night! ;-)
Until near the end of the evening, some older kid grabbed my hat as I ran past him, snatched it off my head and broke it.
If I had known that kicking a boy in the nuts would make him suffer back then, I so would have done that to this kid.....

Another  good memory of Halloween I have is also of my mom.  When I was about 5, she taught me a song that she was taught to sing at Halloween back in the 1930's.
I just did a little research on this song and it was a poem first, attributed to Abbie Farwell Brown, a prolific writer from Boston, 1859-1927.
I can't seem to find the tune so I don't know if the one my mom taught me is the official one created for the poem by W. Otto Miessner.

I can't remember my kids' names sometimes, but I still remember that song.lol

I'll leave you with a song from one of the Best Movies.
Ever.




What are your best memories of Halloween from when you were a kid?

Sluggy