Thursday, January 3, 2013

Today We Start Saving Money At the Grocery Store! How To PRICE BOOK

Ok, if you are an old frugal hand when it comes to the Grocery Store, this isn't for you.
But......if you regularly feel you spend too much on groceries, it's time to take control of your money!

Want to know my secret to saving money on groceries?
No, it's not coupons, though they DO help.

I keep a PRICE BOOK.
And you should too!
It's an awesome TOOL to help you keep more of your $ in YOUR pocket and out of the grocer's till.
It's not very hard to make one and it just takes a couple of minutes a week to update it.

And here is my Step-by-Step Guide to making one if you've never tried before.

Let's start 2013, a brand new year off on the right foot!


Here is what you need to begin--

A small notebook, notepad or even just a piece of loose leaf paper.  Something with lines is better than plain bonded paper.  If you only have bonded paper, get a ruler and a pen and make some lines on it.

Here is what I am going to use.  It's something I had here in the house, just taking up space.  I didn't go out and buy anything.

I've got a little notepad with a cover.
You need 6-8 different colored markers or pens.  Use what you can find around the house.  If you can't find 6-8 different colors, use the pen colors and marker colors you have....a blue pen, a black pen, a red pen, a black marker, a brown marker, a pencil, etc.  As long as you can tell a difference when you write with them, which instrument was used.
You also need a small calculator to take into the store with you.  If you have a smartphone just use the calculator function on your phone.

1.  The first thing you do is get out a piece of scratch paper or open a word document if you want to do this on your computer.
You are going to list 20-30 items you buy on a regular basis in the grocery store.  It can be anything.  Food products, pet products, health and beauty and/or paper products.

Here is my list of 30 items.

MEATS
ground beef
chuck roast
hot dogs-premium
pork
bacon
chicken breast
chicken whole
salmon

DAIRY
butter
eggs
cheese

VEGETABLES
carrots
potatoes
celery
onion
salad greens

CANNED/BOXED
pasta
spaghetti sauce
coffee
soup-tomato
soup-cream

BAKING
flour
sugar
sugar-brown
honey

DELI
ham
cheese provolone

FROZEN
pizza
ice cream-premium
broccoli

JUNK
soda 12 pack
chips-premium


And here is my explanation why I chose these items.....


MEATS
ground beef-this is the most used beef for us. I look for 80% or higher.
chuck roast-a cheaper cut that can be slow cooked and taste as good as other cuts
hot dogs-premium types like Nathan's/Sabrett's/Hebrew National
pork-boneless one, either cut up chop style or whole
bacon-any brand
chicken breast-on bone, not boneless, always cheaper than boneless
chicken whole-for roasting, soup/stews, cut up yourself, versatile
salmon-our preference and expensive, need a deal

DAIRY
butter-needed for so many things
eggs-ditto
cheese-block or shredded in bags, 8 oz. size--cheddar and mozzarella-both usually on sale for same price during sales

VEGETABLES
While many veggies go on special seasonally, these ones are needed year round in many dishes.
Mirepoix (your carrots/celery/onions)form the basis of so much in cooking. Potatoes are versatile and good as a filler too.  Fresh salad greens are a must for my family.
 
carrots
potatoes
celery
onion
salad greens

CANNED/BOXED
pasta-a staple in our house, no brand loyalty, something is always going on sale
spaghetti sauce-ditto
coffee-so expensive, worth finding a deal on
soup-tomato
soup-cream --I use these 2 soups in dishes frequently.  They are building blocks or can be eaten as soup.


BAKING
flour-a staple no one should be without, unless you are wheat allergic-then buy rice of coconut flour
sugar-another staple sweetener
sugar-brown--ditto
honey-we use a lot during the winter both in cooking and tea

DELI
ham-we don't use this much but it freezes well.
cheese provolone-an augmentation to the cheddar/mozzarella mix, can't find in blocks here

FROZEN
pizza-no brand loyalty, any name brand or premium house brand
ice cream-ditto
broccoli-a "go to" veggie for my family, like to have it stocked

JUNK
soda 12 pack-something is always on sale but we tend to be brand loyal
chips-premium, any brand


Now here are some other items I didn't include but you might want to....
Milk(our state has regulated prices so it's useless for me to price book this)
Rice
Condiments like ketchup, mustard, relish, mayo
Spices
Bread
Pet Food
Shampoo
Toilet Paper

You don't have to put everything you buy on this list and you can expand or change up stuff on your list after we get 6 weeks or so in.
This first list is just to get you started.

Now that you have your list of 20-30 items, go list them down in your notebook/notepad/sheet of paper.
It will help you if you visualize your grocery stores floor plan and list your items in the order in which you visit that section of the store from first to last.
If your fresh produce section is first, start with fresh veggie items, if the meat section is first, begin with the meats when you write your list.....


2. Pick one of your writing instruments to be your WEEK ONE color.  I'm going with the black marker I wrote my list of items with.

3.  Take your notebook and pen/marker for Week #1 with you the next time you go grocery shopping.

4.  As you go through the store, note the price(or if there are more than one of that product you would consider buying, note the lowest price for similar items/sizes).
* Since sometimes you may be comparing 2 different sized items here, if there is no shelf tag giving the per oz. information, use your calculator(or phone app)to figure which product is less money.

The first time you take your Price Book to the store and have to write down the prices it might take you a little extra time to do your shopping.  It won't take much extra time, 10-15 minutes maybe.  If you are pressed for time, maybe go to the store the first time and NOT buy anything, just do your price book so you can concentrate on getting it right.

5.  Now you put your Price Book away until the next week's sales ad begins.  Just put it on the shelf and next week when you head out the door to grocery shop(hopefully you have a LIST at least!lol), grab the Price Book and another color of marker/pen and repeat Step 3 and 4.

We will do this for the next 6 Weeks.  Then we will sit down and analyze our data and see what the sales cycles look like in our stores.

*** If you want to compare prices between 2 stores as well, it's easy to work that into our Price Book.

WEEK ONE--When we go to the store and write in the prices, just put a letter or symbol next to Store A's price and a different something next to Store B's price.

For example--I shop regularly at Weis and a local market named Carone's.  Week One I will go to Weis and note that ground beef is $2.99 lb. and I'll put a little W next to that price.  Then I'll go to Carone's that same week, and note that ground beef is $3.29 lb. and I'll use the SAME COLOR PEN to write $3.29 but put a little C next to that price.  I now can look back in 6 weeks to see that the best price was $2.99 and Weis had it during Week One.

The Grocery Sales start here on Sunday, so the next sales week is 1/6-1/12.
So I will wait until Sunday to give everyone a chase to get their supplies together and get their items listed in their PRICE BOOK before I go start filling in WEEK ONE's price data and post it.

So why don't you come along and try this?!
What have you got to lose?
Not much I'd say......but you potentially have pennies and dollars to gain when you are giving less money to the grocery stores.  8-)

Sluggy

It's Day 3 of 2013, Time for Rite-Aid!

Well you just KNOW it wouldn't be long before I broke out the Rite-Aid posts for 2013.  ;-)

Especially since I have +Up Rewards expiring here and there in the coming weeks.

First I returned and re-bought some L'Oreal shampoo & Suave Lotion from last week since my Load2Card $2/1 and $1/1 Qs didn't come off last week when I bought it.  It worked for the $2 Q....yay!  So I ended up with $2.74 on a Merchandise Return Card.
As a Bonus, the R-A catalina machine spit out a Free Item Breathe Right strips Q!
I might just return the Suave lotion since the Load2Card Q still didn't come off and put that $3.03 on a MRCard too.

Doing the drugstore deals is all about getting things you NEED and getting them when the drugstore will give you something back(either rebate or some kind of "reward" you can spend like money)for buying these products you need.
Notice how what I bought were things I need, things I had Qs for, things that I got a reward back for buying(except that 1 free item).

Here is how I used some expiring +Ups last evening....



2 x Ziploc bags on sale $2=$4.00
2 x Pantene shampoo on sale $3.50=$7.00
1 x Breathe Right strips w/Gold discount=$5.35
SubTotal....$16.35

Coupons Used
1 x $1/2 Ziploc bags ManuQ(12/2SS)=$1.00
1 x $3/2 Pantene items ManuQ(12/30PG)=$3.00
1 x FREE item CatalinaQ just received=$5.35
Coupon Total.....$9.35

$16.35-$9.35=$7.00 + .06¢tax=$7.06
I used $7 +Ups expiring 1/2/13 and put the .06¢ on my Rite-Aid gift card.

I received back $3 in +Up Rewards($1 wyb2 Ziploc, $2 wyb2 Pantene).

And my tracking for the January Promotion is at $19(Ziploc and Pantene are qualifying items=$11).
Only $81 more to spend to get the first $20 +Up Reward.
Rite-Aid evidently turned on the tracking before Sunday, the first day of this Promotion since I went into Sunday with $4 tracking, for something I bought the end of last week that is a qualifying product.
Not that I'm complaining about that or anything...... ;-)

Now I could have bought Herbal Essence shampoo this week on sale for $2.49.  There is a $1/1 Q in the P&G insert from Sunday, so it would be $1.49 after Q.
But....there is no "reward" from Rite-Aid for buying this item, THIS WEEK.
Whereas I got TWO "rewards" for buying the Pantene and Ziploc--the +Ups back AND they qualify for the bonus $20 +Ups of the Jan. Promotion.  These products were worth buying this week.

Though Herbal Essence IS a Jan. Promotion qualifying item, I get no +Ups.   It is a good price this week for the Herbal Essence, but I don't buy it and hold my Q for a sale that gives me +Ups back too.

****************************
If you want to do the Jan. Promotions and have 2 copies of the Pantene and the Ziploc Q, you can do these deals 2 times per Wellness card and get +Ups back.

Spend $22.00 on 4 shampoo & 4 bags, use $8 in Qs, pay $14(or use +Up Rewards), and get $6 in +Up Rewards back.
You are now $22 closer to "spending" $100 and have actually spent $14 plus any tax(or less if you are using +Ups from previous weeks to pay)and have $6 in +Ups to use in the next 2 weeks to buy more items you need and that are qualifying products for the Jan. Promotion too.
The Promotion runs through Jan. 26th, so you have 3+ more weeks to get to $100 of "spending".

Go check out iheartriteaid dotcom and/or slickdeals dotnet(the drugstore forum/rite-aid post for 1/6-1/12 to see the ad for next week's sale.  You can find what will be on sale and locate where coupons you can use on the items are(which insert or where online), cut and/or print those Qs and plan out what to buy/how to spend those $6 +Ups.
****************************

This trip to Rite-Aid--
OOP....$0.00
Value of items.....$24.85
+Ups coming into this trip....$32.50
+Ups used....$7.00
+Ups earned......$3.00
+Ups at the end.....$28.50

 
**GRAND TOTALS FOR JANUARY-so far**

Out Of Pocket....$0.00  cash
Value of items bought.....$24.85
Savings Rate of  100%
Rebates due......$0.00
Savings Rate after Rebates.....100 %

+Ups at beginning of month...$32.50+
+Ups used....$7.00+
+Ups received...$3.00+
+Ups currently...$28.50+  



Sluggy

Wednesday, January 2, 2013

Where the Deals Will Be in January



At the beginning of each month this year, I am going to post where you can expect to see deals that month.  Some things traditionally go on special every year like clockwork.
That way you can be on the look out for sales on certain products that go on special every year at that time.
So let's get started with January's bargains!

*January is all about diet & health products.  All that celebrating makes us want to get back to eating less/healthier and exercising.  Brands associated with low-cal foodstuffs go on sale.

*There are also deals on OTC medicines, vitamins and such as we go into flu season.

*The end of the Holidays also signals deep cuts on the prices of Christmas merchandise.  Don't forget everyday items with Holiday decorations/themes also being discounted(ie-napkins, plastic bags, boxes of cookies, baking mixes with red/green or holiday images).

*January is also a big organizing month, so look for deals on organizing supplies and containers.

*End of the month is Super Bowl so look for junk food deals toward the end of January.  Better yet, buy some of the diet foods or look for healthier ways to do the junk food thing.

 

January

Is National Oatmeal Month: Quaker and other brands of hot cereals go on sale.

Diet Foods: Brands such as Healthy Choice, South Beach, Lean Cuisine, Special K, Kashi, Smart Start, 100 Calorie Packs.  Also Slim-Fast and other diet aids.  Non-processed foods like Yogurt too.

Super Bowl Sunday: Soda, Chips, Dips, Cheese, Sandwich Items, Crackers, Snacks, Wings  There is usually a Pepsico brands deal and/or Coke deal.  Frito-Lay brands, Cracker Barrel cheese and Nabisco crackers.

Seasonal Produce: Oranges, Pears, Grapefruit, Tangerines, Broccoli, Carrots, Cauliflower, Celery, Chard, Collards, Kale, Kiwi, Avocado, Cabbage, Spinach
Best prices on fresh product this month on these items as well as some of the root veggies like Potatoes, Sweet Potatoes, Turnips, Rutabagas, Beets.

Clearance: Christmas Decorations, Toys, Wrapping Papers, anything everyday items with a Holiday packaging too.  Some Winter clothing begins to be discounted this month as well.
Alex M. adds to look for good high-end(gift quality?)soaps to go on sale....Fall/Holiday scents.

Winter Health: Cold Medicines and Vitamins  Look for cough drops, OTC flu and cough meds, facial tissue sales.

Bedding/White Sales: Judy remembered that Jan. is also White Sales Month--Linens/Bedding.  Look for really good deals on Flannel and Polar Fleece bed sheets!
 
If you know of an item or category of products that go on sale in January, feel free to leave a comment and I'll add it to the list.

Sluggy

$20K Savings Challenge.....DECEMBER Update & YEAR END TOTAL


Here is my DECEMBER Savings Challenge Update post for 2012.
This post is NOT about bragging or showing off.  It's just what we are able to save given our income and being able to hang tough against "unconscious" spending.

Just to update, My Savings Goal for the Year in 2012 was $20,000. 
Our background info--We are a family of 5(kids are 21-16)with one living away from home.  We have 2 dogs. We own 4 cars at present and live in/own free & clear a 4 bedroom house in a small town.

On to the December report.....

I have posted my DECEMBER End of Month $20K $AVING$ 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 $1,666.67.

I have to report that we finished up December in the black!
The extra cash amount we ended the month of December with?.......$2,555.70

Income
We had $2,378.54 left over from our income after our monthly expenses were deducted. 
Add in 2 year-end dividend checks from investments and a small refund on our car insurance.  When combined, these totaled $177.16.   This brought our gain to $2,555.70 for December.

Outgo
As for the expenses this December, most of them were on the bad side, rather than the good side....

HERE are the GOOD THINGS
* The cash withdrawals were $200 lower.

HERE are the BAD THINGS
*  The water bill went up $3+.
*  The medical/dr. bills were $47 higher than last month. 
*  The credit card bill went up $778.
*  The electric bill went up by $83.
*  The car needed new tires to the tune of $439.29.
*  There was extra money spent in Dec. due to Christmas.

The Food Budget costs for DECEMBER are in another post, which is located HERE.
We managed to almost stay within our $400 food budget in December.

The 2012 GRAND TOTAL.....
With 12 months behind us, our Savings Grand Total for 2012 ended with  $28,907.08 in the fund!
We were able to hit our $20,000 goal plus almost another $9,000.

I am happy with how much we saved in 2012.
Some months it was easy and some months we had a hard time scraping together $1000 to put aside and not spend.
Heck, we were even NEGATIVE money in September!

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

If you posted your financial progress on your own blog, leave a link in the comments so we can go check you out your progress too and celebrate with you!

Sluggy

Tuesday, January 1, 2013

DECEMBER 2012 Budget Results....Food & Toiletries Spending



Here are my FOOD BUDGET spending totals for DECEMBER 2012.

I have posted December's totals on the right side bar under Total Grocery Savings for 2012 and updated the Yearly Totals.
I am listing subtotals for each store I purchased from in December.  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(4-5 at home this month)& 2 dogs. No kids under 16.
******************

BREAD OUTLET
OOP   $21.89
Value   $77.70
Savings  71.83%

CARVEL STORE
OOP   $17.95
Sale/Ads/Qs  $2.00
Value   $19.95
Savings   10.03%

KMART
OOP   $.10
Sale/Ads/Qs   $9.00
Value   $9.10
Savings   98.90%

OLLIE'S
OOP   $54.90
Value   $101.93
Savings   46.14%

RITE-AID
OOP  $0.00
Qs/Ads/+Ups/Gift Card  $785.79
Value  $785.79
Savings   100%

SHURSAVE STORES(small local independent affiliated stores)
OOP  $98.64
Qs/Ads  $85.94
Value  $184.58
Savings  46.56%

WEIS MARKETS
OOP  $245.63
Qs/Ads  $165.34
Value  $410.97
Savings  40.23%

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 December....Nothing
GIFT CARDS and CERTIFICATES....Nothing
TOTAL Value of Cash/Store Checks/Gift Card Rebates Received...$0.00

COUPONS and FREEBIES
1 Giveaway win--Free Laundry Detergent Q

*********************
My best 3 Store Savings Totals were the Rite-Aid at 100%,  KMart at 98.90%, and the Bread Outlet at 71.83%.  l shopped at 7 different stores this past month.


TOTAL Out of Pocket........$439.11
TOTAL Coupons & Store Sales Savings...$1,150.81
TOTAL Value of Items Purchased............$1,589.92
TOTAL Savings of...................................72.38%

TOTAL Out of Pocket after Rebates earned(but not received yet) this Month......$420.11
TOTAL Coupons & Store Savings....$1169.81
TOTAL Value of Items Purchased.....$1589.92
TOTAL Savings Rate after Rebates of..........................73.57%

This closes out the December spending.

THOUGHTS & COMMENTS for this month.....

I went into December with $400 budgeted for food/toiletries for the month.  I went over budget by $39.11.  Once I receive my $19.00 in rebates I earned in Dec., my overage gets cut to $20.11.

My grocery/toiletries savings were at 73.57% for December after rebates.  If you take the Rite-Aid purchases out of the equation, my savings percentage falls to 45.40%.  Almost 50% savings for just food is quite good.  I'm usually around 33% savings for just the food stores.
I continued to shop the loss leaders and sales and stocked up when things were at rock bottom price in the sales cycles. 
Speaking about ONLY the food stores, I redeemed 22 manufacturer's Coupons on 187 items bought in December.  I went through my receipts and counted exactly how many Qs were used in December to prove that just shopping the loss leaders and rock bottom price in the sales cycles at the food stores CAN give you a good savings rate WITHOUT using coupons!  Yes, I used a few Qs but you don't have to be like those crazy people on that TLC show to save money on what you feed your family!

 I also earned 4 Catalina Qs worth a combined amount of $21 that were redeemed in December for food items at my 2 main grocery stores and in the food aisle at KMart.

 
And here is the run down of my Food & Toiletries Spending for 2012--
2012 Total Saved $8,279.46

2012 Yearly Total Value of Items $12,475.82

2012 Yearly Total Spent $4,196.36

2012 Yearly Savings Total of 66.36%

********************


JANUARY

Out of Pocket $198.68
Value of Items $819.07
Amount Saved $615.72
Savings Percentage of 75.74%
 


FEBRUARY

Out of Pocket $194.03
Value of Items $823.28
Amount Saved $629.25
Savings Percentage of 76.43%

MARCH

Out of Pocket $494.28
Value of Items $1127.03
Amount Saved $632.75
Savings Percentage of 54.64%

APRIL

Out of Pocket $225.03
Value of Items $451.13
Amount Saved $226.10
Savings Percentage of 50.12%

MAY

Out of Pocket $336.48
Value of Items $585.35
Amount Saved $228.10
Savings Percentage of 42.52%

JUNE

Out of Pocket $358.85
Value of Items $1,121.05
Amount Saved $762.20
Savings Percentage of 68%

JULY

Out of Pocket $236.43
Value of Items $823.59
Amount Saved $540.90
Savings Percentage of 71.30%

AUGUST

Out of Pocket $485.94
Value of Items $1503.43
Amount Saved $1017.49
Savings Percentage of 67.67%

SEPTEMBER

Out of Pocket $418.60
Value of Items $1233.55
Amount Saved $814.95
Savings Percentage of 65.58%

OCTOBER

Out of Pocket $459.36
Value of Items $1130.59
Amount Saved $658.23
Savings Percentage of 59.37%

NOVEMBER

Out of Pocket $368.57
Value of Items $1267.83
Amount Saved $899.26
Savings Percentage of 70.92%

DECEMBER

Out of Pocket  $420.11
Value of Items  $1589.92
Amount Saved  $1169.81
Savings Percentage of 73.57%


Sluggy

Monday, December 31, 2012

Sluggy Gets Reflective on Debt Freedom as 2012 Leaves the Building



First off, I want to express my gratitude to everyone who comes to this little blog and reads my humble(usually ranting)remarks and the ever-so-dry financial calculations and scratchings I make.

And an extra dose of gratefulness to those who read and comment!

Though I may be quite lax in replying at times(most times!), I do read every single word of comments left on the posts and they are most welcomed.
They leave me with a sense of "I'm not just shouting into a big black void" and the comments either validate me/what I do OR they let me know when I am in serious need of getting my head out of my own ass and returning to something resembling reality.
Hopefully, it's the previous and not the latter situation that prompts your comments left. ;-)


I see my blog, firstly as a LIFE BLOG.  I talk about almost anything I have a mind to, from finances, to my family, to genealogy and my other interests in life.
A big part of my blog is frugality.....it's not the only thing that goes on here, but it's a big one.


Most frugal blogs also encompass debt and debt repayment.
If you haven't realized it yet, you won't find that component here at DON'T READ THIS; IT'S BORING.
Hubs and I escaped the whole Debt thing for good in March of 2007, when we paid off the mortgage.
We only put as much in purchases on the credit card that we can pay off each month and we don't finance cars.  We are onto cash flowing college for the kids and building up our retirement savings.  We just don't do debt anymore.

You won't be able to come here to cheer us on when we kill a debt.  I know.....I just take all the fun out of life sometimes, don't I?
I do, however, love to leave comments for others who are still struggling with debt, when they vanquish a foe.  It makes me smile when all of you I visit take another big step toward living the dream of Debt Freedom.

What you WILL be able to come here to see is how much better life can be once you get to be debt-free.
You can see that once you aren't dissipating your income to this debt or that one AND giving the bulk of your income to a mortgage company, how quickly that money you use to give to debts can pile up and stay in YOUR bank account instead and then fund other goals, like college for the kids, house remodels, vacations, house repairs and retirement.

You'll also see how we struggle to avoid lifestyle inflation, what I feel is the greatest threat to living below your means.
It's so easy when you get a raise in income or a windfall of some unexpected money to use it to upgrade your life.  Instead of keeping what was before, a perfectly reasonable lifestyle, suddenly that extra cash needs to buy you more things or higher quality/quantity of food/drink/car/home, or more nights out being entertained.  So the extra cash gets spent on frivolity(wants) instead of being held for emergencies both big and small that will come around.
Shit happens.  You may not want to face that fact, but it does.  So don't spend all your money.  Keep some.  Invest some.  You never know when you'll need some extra for.....Needs!

People often ask me how we did it....how we got to this place.
It's complicated and what worked for us might not work for anyone else.

We saw 2 paths to debt freedom.
There is the "intense/short" path or the "little pain felt/long" path.

We could get very serious about being in debt.  Debt could become the focus of our lives and every penny spent, every decision made would be ruled by the debt.  We could make debt so vile in our minds that the most important thing in our lives would be to extract from it's talons, even if some decisions made our lives uncomfortable for the short term.

OR

We could be more casual about rooting out the debt.  Debt would be paid off slowly, without it disrupting our lifestyle much.  We wouldn't feel the pain of making do without this or that, and the debt would be hanging around longer.

Since we didn't have piles of debt(credit cards, medical, car, etc.)other than a mortgage, it was easy to pick the short, intense path to freedom.  We could knuckle down for a couple of years and delay gratification in so many other things to get the debt gone.

I know some may feel that getting intense for 2 years is extreme.  Heck I know people who can't delay wants for 2 MONTHS.
We thought 2 years of full frontal deprivation was pushing it, but the benefits of getting the debt over with outweighed the sacrifices we had to make.


But you know......where you are with your finances now is because of a long long line of choices you have made with your money through the years.
No single decision brought you to where your money stands today.
There have been literally thousands of decisions you have made over the course of your life and each one put you either on a better path or a worse path, and every subsequent decision you made, either made that path better again or even worse.
All those choices, either good or bad, you have made through your life is why you are where you are today.



But with that being said, it is NEVER too late to take control of your finances and your life.
If you've just been drifting along for 10 months or 10 years, don't worry about what's past.
Make today the day you take the reins of your money and live intentionally!
You can't change the past, but you can certainly change your future.

It is your life and your money.
No one has THE correct way to get out of debt and no one has THE correct way to save and spend your money.
This is something you have to figure out for yourself.

Yes, you can follow the path someone else took to freedom and it might or might not work for you as well.
But more importantly,  you need to take the lessons from how they approached their finances.
Learn why they did X, Y or Z.
Learn a new attitude about and toward your money.

Money is a great tool.  IT is not the end all and be all and the point of your life is NOT to end it with the biggest pile of cash.  It's a means to an end...... being able to live your life without stress from money worries, surrounded by the people you value and who value you.

Take the time and effort to learn how best to use the tool to craft the life you want to live.

Sluggy



Food Spending December Week 4/Meal Planning January Week 1

And this is what happens to you if you fall asleep while the family is opening presents on Christmas morning.  You become the most festive beagle on the block! lol
We reuse the bows from one year to the next, so we need a place to put them aside so they don't end up in the trash bag........




As for meals?
Here is what actually got served last week....

Sunday--Chicken Enchiladas
Monday--Christmas Eve dinner at Chinese Restaurant
Tuesday--Ravioli w/Marinara Sauce, Standing Rib Roast, Roasted Vegetables, Green Beans, Rolls, Pies
Wednesday--Leftovers
Thursday--Pork Chops, homemade Mac and Cheese, Broccoli
Friday--Pizza, a green veggie from the freezer
Saturday--Leftovers

The food spending last week(the 24th to the 30th)came in at $110.70 for 7 days.  This includes the rib roast that cost, as one astute reader noted, "as much as a coat".
As I have finished food shopping for December(no food buying today, the 31st)I spent $439.11 in total for the month.  Pretty good considering the stocking up and the Holiday food excess.

Going into this week, I have these leftovers--ravioli, rolls(not to mention fudge and pie).

***********************

Here is what is getting served this week.....

Sunday--Kielbasa on Rolls, Caramelized Onions,Potato Salad
Monday--Date Lunch Out w/Hubs, then leftovers and appetizers for New Years at home
Tuesday--Tacos, Corn
Wednesday--Baked Salmon, leftover P. Salad, Caesar Salad, leftover rolls
Thursday--Cheesesteaks, Green Beans
Friday--Fried Shrimp, French Fries, Beets, any leftover veggies
Saturday--Leftovers or Fend for Yourself or Breakfast for Dinner

I have everything here already to make these meals.....ground beef for tacos, salmon, roast beef for cheesesteaks, shrimp are all in the freezer.  I might treat Hubs to country ham rolls tomorrow morning since we still have a plethora of rolls.  I used that last $5 voucher to buy romaine lettuce and some ground beef on Sunday, so we have all foodstuffs to make this menu now.
There will only be 3 at home this coming week to cook for.


Sluggy