Sunday, November 30, 2008
1 Cortisone Cream - $ 4.49
Used $ 4.00 in ECBS
Total Out of Pocket was $ .52!
4 Braeburn Apples - $ 2.31
1 bag of 6 Hard Rolls - $ 2.49
1 Shamrock Farms FF Milk - $ 2.49
3 bags of Cheese Popcorn - on sale for 3 for $ 5.00
Used $ 2./10. Fresh N Easy Coupon
Received Credit for Cloth Bags - $ .10
Total Out of Pocket was $ 10.19.
My rollover grocery budget on November 22 was a negative $ 43.35 to which I added $ 38.00 on November 23 = a negative $ 5.35 to which I added $ 38.00 today = $ 32.65 minus the $ 10.71 I spent today = $ 21.94 for the rest of the week!
Saturday, November 29, 2008
- Hot turkey sandwiches
-Cold turkey sandwiches - spread with some homemade cranberry sauce
- Put a layer of stuffing and then a layer of turkey in a casserole dish and pour some gravy to on top of all. Then bake in the oven till heated through.
- Make turkey soup(This is DH's favorite) - turkey broth, seasonings, chunked turkey, rice, niblet corn, diced celery and onion.
- Turkey salad- mayo, celery, mandarin oranges, turkey and dried cranberries. We serve this on lettuce leaves or in wonton wrapper mini muffin cups.
If I still have more left, I chunk up the meat and freeze in Ziplocs in meal size portions to put in casseroles and things like chicken helper.
I think I will be hitting the store for one more cheap turkey ( $.39 a lb and use a $1.00 off coupon) to roast and then divide the meat up for the freezer. We love turkey in place of chicken in lots of things.
Would anyone want to share their recipes with me? If so leave a message in comments.
Tuesday, November 25, 2008
Sunday, November 23, 2008
Here is the information they provided me. He wants to retire next month at the age of 57 and she is 52 and worked for a total of 25 years but is not working now. They have a 16 year old child. The child has $ 125,000. in his college fund that he inherited from his grandmother. She has no retirement savings from the years she worked. He will retire next month with a 401K of $ 448,000. invested mostly in bonds. They have $ 83,000. in taxable savings accounts. They have paid medical and dental insurance from his employer for all 3 of them- the son is covered while he is in college. However they have co-pays for medical and drugs and their dental plan only pays for 2 appointments and cleanings per person per year, X-rays every 2 years and about 60% of restorative work.
He will be keeping his 401K account untouched for 2 and 1/2 years because if he takes it when he retires, he has to either put it in a 72T account for 5 years and draw a minimum monthly payment from it or pay ordinary income tax on it and a 10% penalty.You have to be 59 and 1/2 years old to draw from a 401k without penalty. He wants to do neither.
Their home is paid in full- no mortgage. It is worth about $105,000. They own 2 cars - one is a 2003 which is paid for and one is a 2006 which has a $300. a month loan for the next 3 years. They owe no credit card bills or any other debt besides the auto loan. Their son will be going to college in Sept. 2010; however he will be using his $ 125,000. inheritance to pay for that. Any expenses up and above that amount he will work part-time to pay for. Her parents left them no inheritance and his parents will not be leaving them any. They live in the Northeast where home prices have not slumped as badly as other parts of the country but are down by about 5-6% over the past year and will probably continue to decline. They have no intention of moving since they believe that the $ 105,000. they could sell their home for would not buy them much of anything anywhere else in the country.
Here is their projected monthly and annual budget that they have worked up for retirement:
Taxes: $100. a month = $ 1200. annually
Food, HBA, non- grocery: $ 250. a month = $ 3000. annually
Property and School Taxes: $ 167. a month or $ 2004. annually
Housing Repair and Maintenance: $ 150. a month or $1800. annually
Clothing and Shoes: $ 125. a month or $ 1500. annually
Automobile Loan: $ 300. a month or $ 3600. annually
Gasoline and Oil for 2 cars: $ 200. a month or $ 2400. annually
Healthcare Co - Pays, etc: $ 142. a month or $ 1704. annually
Electricity and Gas Utility Bills: $ 175. a month or $ 2100. annually
Telephone(1 Cellphone): $ 50. a month or $ 600. annually
Entertainment(Eating out , movies, sports games, etc): $ 185. a month or $ 2220. annually
Personal Care (haircuts, etc.): $ 50. a month or $ 600. annually
Newspapers, Books, Office Supplies, Postage: $ 71. a month or $ 852. annually
Contributions(Church, charities): $100. a month or $1200. annually
Auto and Homeowners Insurance: $ 117. a month or $ 1404. annually
Water, Sewer and Garbage Bills: $ 55. a month or $ 660. annually
Gifts: $ 60. a month or $ 720. annually
Cable and Internet: $ 120. a month or $ 1440. annually
Veternarian and expenses for 1 dog: $ 24. a month or $ 288. annually
Travel: $ 175. a month or $ 2100. annually
Miscellaneous(anything not mentioned above): $ 125. a month or $ 1500. annually
Their total annual yearly budget adds up to: $ 32,892. which I am going to round up to $33,000. per year. This is the amount they believe they can live on annually in retirement.
Now for my analysis! Keep in mind that the husband is 57 years old and the wife is 52 years old. The husband has to be 59 and 1/2 in order to draw from his 401K without penalty. They have $ 83,000. in taxable savings that they can use over the next 2 and 1/2 years for living expenses until he turns 59 and 1/2. If you take $ 33,000. times 2.5 years you get a total of $ 82,500. That amount comes in under the $ 83,000. they now have and I would assume that they are earning some interest on that money. So if they strictly stick to this budget they can survive until they can tap the 401K.
Now again keep in mind the ages of the man and woman. Today a man's life expectancy is 78 years old and a woman's is 81 years old. If you consider the averages, he has 21 years to live and she has 29 years to live. However, you have to consider what ages your ancestors and family members lived to. Did they die from old age or from diseases that could have been avoided? I asked this couple about their ancestrial history and they agreed that they probably have 30 years in retirement. So that is the number we will use.
So if you are using a simple formula, just multiply your annual expenses times 30 years. In this case, it would be $ 33,000. in expenses times 30 years which equals $ 990,000. So that is the amount of money it would look like they would need to retire. However, you have to consider Social Security. They both have a good chance at the moment of seeing a Social Security check. At age 62 he says that he can collect, using today's dollars $ 1350. and she says she can collect $1000. at age 62. Annually he would get $ 16,200. and she would get $ 12,000. Now of course, we are assuming that the government won't do away with Social Security by the time they reach 62 or make it income based as to whether you collect anything at all. For our purposes, since Social Security is still viable, we will assume they will collect.
Now I will be using the calculator that I believe is the best one out there. It is called FireCalc and it is here:
If you plug in the annual expenses of $ 33,000. a year for 30 years with a portfolio of $ 531,000. and he receiving his Social Security amount of $ 16,200. a year at 62 and her amount of $ 12,000. a year at 62, FireCalc says it is doable. However you have to remember that FireCalc is set up for your money to be 75% in stocks and 25% in bonds and the inflation rate is 3%. They have their money all in bonds or savings accounts and I would say in this economy that is where it should be kept. So FireCalc isn't really viable right now since the stock market is dropping week by week. Some day it will recover, but your guess is as good as mine as to when. So it could be years before you can make any kind of money to keep up with inflation. Yup, I know they keep talking about deflation but all I see is inflation- in food prices, utilities costs, cable and internet costs keep rising, etc.
I also believe their budget is bare bones and leaves no room for expenses to rise. Let's take a look at it.
Taxes: I think this figure is low.
Food: It is doable with coupons, lots of planning and scratch cooking.
Property and School Taxes: This is what they paid this year, but we all know these rise and are liable to rise in the future in much larger amounts because so many states are cutting costs to balance their 2 and 3 billion dollar deficits.
Housing Repair and Maintenance: This figure is very low. I asked them how old their roof is? They told me they replaced it 10 years ago and so they have 10 years left on it. A new roof will cost them about $12,000. or more in 10 years and they have not budgeted for that. They should be budgeting $100. a month or $1200. annually for this replacement. I asked if they had budgeted for large appliances - stoves, refrigerator, dishwasher, microwave etc. They had not and even though they have replaced some of them in the past couple few years, they need to budget for replacement of the others and eventually the ones they did replace. Appliances do not last forever. They also replaced their furnace and A/C systems 12 years ago. They may be good for another few years but they need to be budgeting for replacements and these are not cheap.
Clothing and shoes: This is barebones but doable since you need fewer clothes than when you are working.
Automobile Loan: We discussed the fact that they have budgeted for the car payment for the 3 years, however they have not budgeted for replacements. When they are done paying on their car loan, their cars will be 5 and 8 years old. Being retired they really only need one car; however they will most likely need to replace the 5 year old car in about 2013. That is only about 4 years from know and they have nothing set aside for that replacement. They will probably need $25,000. for a new car then. Maybe $20,000. if they buy 2 years old. That means they need to save $5,000. - $6,000. a year starting now for that replacement. They do not have the money.
Gasoline and Oil: Gasoline expenses can be cut back on if need be when you are not working.
Healthcare Co-Pays, etc: His company may not continue to give them fully paid medical and dental costs in the future. Many private companies are cutting costs by making employees and retirees pay more. At the very least the co-pays will rise and the 40% of dental expenses that they pay will rise. Also when they become Medicare eligible, their company does not reimburse them for the cost of Medicare. That cost in January of 2009 is $ 96.40 per month per person and goes up every year. So in today's dollars that is $ 192.90 a month for both of them after they have reached the age of 62.
Electricity and Gas Bills: These have risen substantially in the past few years. We had 16% in increases just this year. Yes, you can cut back to save but there comes a point where there is no more cutting to do.
Telephone: That is about as barebones as you can get.
Entertainment: This figure is reasonable and can be cut. I would be cutting this to keep money for a new car, roof and appliances.
Personal care: This is bare bones for a budget.
Newspaper etc.: In the future they could get their news online and cut this cost substantially.
Contributions: They can cut this if need be. But I am a firm believer in charitable giving and truly believe that what I give comes back to me.
Auto and Homeowners Insurance: These costs will continue to rise annually; however by cutting down eventually to one car, they can save about $350. a year.
Water, Sewer and Garbage Bills: They will continue to rise rapidly for the same reasons that school and property taxes will.
Gifts: They could cut this back substantially by cutting down the list of who they give to and making gifts instead of buying.
Cable and Internet: These costs will continue to go up rapidly.
Costs for the Dog: This is barebones.
Travel: I asked them how they spend this much. They have relatives that live many miles away and they visit two different places once a year to see them. This is not an expense that they are willing to compromise on and I don't think they should.
Miscellaneous: I think this amount may be low.
Now for my opinion: I do not think they should retire next month. I do not believe that in this uncertain economy that they have enough money. Bonds are hardly making any money; Most stocks are losing money every day; Gone are the 10-12% returns of prior years. You are lucky to find a 4% return in a CD. Regular savings accounts are making under 2% interest yearly. Costs are rising rapidly all except gasoline and I believe those low prices will not be here forever. There just is not enough cushion in their budget. They have too many things that will need replacing that they have not accounted for. They have worked out a barebones budget with NO BREATHING ROOM! It really scares me. I could not have retired with a budget that was so restrictive. Yes, for now they can count on Social Security checks when they turn 62 years of age, but I believe that is going to change in the near future. I believe that President Elect Obama will make the Social Security system needs based. Most people will not get any checks and those that do will be on a sliding scale according to your income that you have for retirement. I also believe that the retirees who are already getting Social Security will have their checks cut back based on how much retirement income they have. I believe that this will affect anyone who has $30,000. yearly in retirement income. So this may affect this couple.
Even though FireCalc says it is doable on the budget that they have set up, I do not believe that that budget is doable. I think their expenses will be larger than they have stated especially if they have any kind of emergency like their water heater dies. They would not be able to afford to replace other appliances or their roof or their car. The budget is way too restrictive.
I have given them my $ .02 and now it is their decision. Only they can make it! If it was me, I would save until I had $ 1,000,000. which on the rule of withdrawing 4% a year so as to not affect your principal would give you $ 40,000. per year when the stock market gets back to normal without having to worry about whether Social Security rules will change or whether they will even see it. If they retire now and end up with no Social Security, FireCalc says that they only have a 42.1% chance of making it. I have no idea what his income is. They did not share that with me so I do not know how much they are capable of saving per year. Perhaps, he has a high income and another $ 469,000. in savings would be attainable over the next few years. Perhaps they have a low income and that amount would not be easy for them to save. But I believe they need to save much more so as to not be paupers in retirement.
That all being said, they have done extremely well having a portfolio of $ 531,000. and their home paid in full. You always need a place to live and if they didn't have their home, they would be paying rent. By buying their home and paying it off in full they have lowered their housing expenses. I hope they make the right decision for them! It is a tough time right now with our economy in such bad shape to be making this decision and I wish them the best of luck for the future.
To those of you saving for retirement, I know that a Million Dollars seems like a lot of money. It used to be but in today's dollars it is not. Keep that in mind as you are making your decisions on what to save for retirement. I remember when I was a little girl hearing that if you had a million dollars, you were rich. Today to be rich, you need a minimum of 5-10 Millon Dollars! I can't even imagine what that figure will be when a lot of you reach retirement age. But you do not have to be rich to retire. You just need enough money to cover 20-30 years of reasonable expenses depending on what age you plan on retiring.
If anyone has any questions or comments, please be sure to leave them.
Secondly, here is my menu plan for the week:
Sunday: Mandarin Orange Chicken Stir Fry served over rice
Monday: Hot Meatball Sandwiches
Tuesday: Shake and Bake Pork Chops, Mashed Potatoes and Broccoli
Thursday: Turkey, Mashed Potatoes, Gravy, Corn, Green Beans, Stuffing, Homemade Cranberry Sauce, Rolls, Olives and Pickles and Pies
Friday: Leftovers from Turkey Day
Saturday: Hot Turkey Sandwiches
Saturday, November 22, 2008
Friday, November 21, 2008
Thursday, November 20, 2008
Here is the deal:
10 boxes of Progresso Broth - on sale for $ 2.00 each - Used $ 1./1 Mfrs. Cpns. = $ 10.00 and I received a $ 5.00 Catalina Coupon Good on My Next Order.
Total Out of Pocket was $ 10.00 and I received the $ 5.00 Catalina which I will be using this weekend on my turkey purchase at Fry's.
I am now over budget by $ 17.15 but not concerned because of Holiday shopping.
******* I am under the weather so there will be no savings tips until I feel better. Just taking it as easy as I can!*******
Wednesday, November 19, 2008
2. I did my grocery shopping picking sale items and using coupons.
3. I picked up the books at the library that I reserved online the other day. Three new books to read and I didn't have to pay a dime.
4. I stripped our bed and washed the sheets using 1/3 the laundry deteregent that the manufacturer calls for. Too big to hang so had to use the dryer in off peak hours using a Free dryer sheet.
5. It has been in the high 80's the last few days but we have not put the A/C back on. We are just using the ceiling fans and when the sun goes down we open the windows to cool things off.
6. I will be reading all afternoon so no TV or Radio on.
7. I heated up the chili and made the rice in the microwave to save on energy.
PLEASE BE SURE TO LOOK AT THE POST ABOUT THE CATS TWO POSTS BELOW!
I also had to take the mail to the Post Office. Then after picking up a prescription at CVS, I was Free to shop the deals in today's flyers. So this is what I purchased:
3 cans of DelMonte Niblet Corn(for turkey soup) - $ .75 each - Used $ .30/1 Mfrs. Cpns Doubled = $ .15 a can
Total Out of Pocket was $ .45!
2 cans of Libbys Pumpkin - $ 1.00 each = $ 2.00
6 Lipton Onion Soup Mix - $ 1.00 each - Used $ .75/2 Mfrs. Cpns Doubled = $ .50 each = $ 3.00
1 - 4 pack of Smuckers Uncrustables - $ 3.14 - Used Free Mfrs. Cpn (I won this from Tosha's blog) = Free
1 - 10 lb. bag of Russet Potatoes - $ 1.47
1 lb. of Albertsons Butter - $ 1.99
1- 2 lb. bag of C&H Powdered Sugar - $ 1.50 - Used $ .35/1 Mfrs. Cpn Tripled = $ .50
6 McCormick Gravy Mixes - $ .99 each - Used $ .75/2 Mfrs. Cpns Doubled = $ .49 each
3 pkgs. of Blue Bonnet Margarine - $ 1.00 each = $ 3.00
12 cans of Campbells Turkey Gravy - $ .50 each = $ 6.00 - Used $ .40/4 Mfrs. Cpns Tripled = $ .25 a can
2 cans of Comstock Pie Filling - $ 2.50 each = $ 5.00
Used $ 5./20. Fresh N Easy Coupon
Total Out of Pocket was $ 17.90!
2.52lbs. of Bananas = $ 1.74
2.33lbs. of Seedless Green Grapes = $ 6.97
2.33lbs. of Braeburn Apples = $ 3.47
1 can of Reddi Whip - $ 2.00 - Used $ .50/1 Mfrs. Cpn Doubled = $ 1.00
3 boxes of Fry's Saltine Crackers - $ .97 each = $ 2.91
5 - 12 packs of Diet Coke and Dr. Pepper for $15.00 - Got Instant Fry's Rebate of 1- 12 pack Free and Used $ - $ 1./1 Mfrs. Cpns from Coke Reward Points = $ 8.00 for all
1 can of Early California Ripe Black Olives - $ 1.25 - used Fry's $ .50/1 Cpn = $ .25
Used $ 6./30. Fresh N Easy Coupon
Total Out of Pocket was $ 19.06!
My rollover grocery budget was $ 30.26 minus the $ 37.41 I spent today puts me over budget by $ 7.15 but no problem since lots of this is for Thanksgiving.
PLEASE BE SURE TO SCROLL DOWN AND READ THE NEXT POST ABOUT THE CATS!
Tuesday, November 18, 2008
2. For now I am pretty well stocked on laundry detergent, but I have started saving bar soap ends so that I can make my own when my stock is gone. Most recipes call for Zote or Fels Naptha but I found a recipe that uses the soap ends and ends up costing $ .01-.02 a load.
3. I have been researching what a portion of different foods are. So I will be trying to stick to those portion sizes for our meals which will make them healthier. Also it doesn't make sense to pay for larger portions than our body needs for nutrition.
4. Finally was able to get through to someone at the airlines to get my miles for my last trip credited properly and to recover almost 9400 miles that had been forfeited because the trip had not been credited properly.
5. I now have all of my giftbaskets done and wrapped. These turned out so beautiful, will be very useful to the recipients and were very inexpensive to make. After Christmas I will do a post with pictures!
6. Ordered a $10.00 Cash Reward from one of my survey companies.
7. I managed to find one box big enough to ship Christmas gifts to the East Coast, so I didn't have to buy that. I am checking with my son and DIL to see if they have the other 2 boxes that I need so I don't have to buy them. However if I do, who do you think would have the cheapest price? Walmart?
8. Tonight I will watch my NCIS and read my Better Homes and Garden magazine from my Free subscription.
9. I also partially made my shopping list for tomorrow for Fry's and Albertsons.
10. Called and had a nice chat with my sister in New York using the Free long distance on my cellphone.
Monday, November 17, 2008
2. Did 2 Mega Deals at Fry's.
3. Washed a load of laundry and hung it to dry.
4. I have always been looking for a cheaper way to clean my self clean oven. It takes 6 hours on a high temperature to clean it; that is a huge amount of wasted electricity. I just used fume free Easy Off Oven Cleaner for self cleaning ovens to clean it. Just a little bit of elbow grease and a cheap after coupon can and my oven is immaculate!
5. Received 2 Free Samples in the mail today: fruit rollups and Dunkin Donuts coffee
6. Will read my "Smart Money" Magazine that came in the mail today- subscription was Free from Coke Rewards.
Sunday: Dinner at My Son and DIL's home
Monday: Pigs in a Blanket, Macaroni and Cheese, fruit
Tuesday: Boneless Buffalo Wings with Ranch dressing, tossed salad
Wednesday: Chili on Rice, niblet corn
Thursday: Grilled Cheese Sandwiches, tomato soup
Saturday: Filet Mignon, Baked Potatoes with sour cream, steamed broccoli
10- 4 packs of Cottonelle Toilet paper - $ .99 each - Used $.25/1 Mfrs. Cpns Quadrupled= Free
11 boxes of Tylenol Rapid Release Gels -$2.50 each - Used $ 2./1 Mfrs. Cpns = $ .50 each
4 - 16oz. Daisy Sour Cream - $ 2.00 each - Used $ .50/1 Mfrs. Cpns Doubled = $ 1.00 each
3 Stouffers Macaroni and Cheese(not in picture) - $ 2.00 each
2 Stouffers Chicken Pot Pies (not in picture) - $ 2.00 each
Received $10.00 in Instant Rebates for Tylenol. sour cream and Stouffers
Used $ 6./30. Fresh N Easy Coupon
Total Out of Pocket was $ 3.50 plus $ 1.98 in tax = $ 5.48. My rollover budget was $ 35.74 minus the $ 5.48 I spent today = $ 30.26 for the rest of the week!
Sunday, November 16, 2008
10 boxes of Betty Crocker Potatoes - $ 1.50 each - Used $ .35/1 Mfrs. Cpns Tripled = $ .50 each
10 pkgs of Betty Crocker Cookie Mixes - $2.00 each - Used $ .40/1 Mfrs. Cpns Tripled = $1.00 each
10 Scotch Brite Nail Saver Sponges - $ 1.99 each = Used $ .30/1 Mfrs. Cpns Quadrupled = $ .99 each
4 Pillsbury Crescent Rolls - $ 1.67 each - Used $ .25/1 Mfrs. Cpns Quadrupled = $ .67 each
1 - 2 ltr. Diet Coke - Used Safeway Cpn for $ .60 for 1 - 2ltr bottle = $ .69
Received $15.00 in Instant Rebates for cookie mixes, potatoes and sponges
Used $ 6./30. Fresh N Easy Cpn
Total Out of Pocket was $ 7.27.
My rollover budget is $ 43.01 minus the $ 7.27 I spent = $ 35.74 left for the rest of the week!
2. While I was out shopping I was CRAVING breakfast from McDonalds or Burger King. I talked myself out of spending the money and came home and we had cereal. Lots of times it is about what you don't spend.
3. Cut and filed all my coupons from the 10 newspapers today!
4. My son and DIL invited us for a Mexican dinner tonight -a delicious meal out. Yeah! Getting to play with my grandaughter- PRICELESS!
5. I am making Chipwiches for dessert to bring to my son's. I am baking the chocolate chip cookies from a Free mix and will pick up some store brand vanilla ice cream on the way to their house and put these together there. YUM!
6. Taking the rest of the afternoon off- Priceless!
10- 7 oz. boxes of DeMets Turtles - $ 2.50 each- Used $ 1.50 Mfrs. Cpns = $ 1.00 each
Total was $ 10.00 but I paid with my Walgreens Rebate Card so nothing out of pocket.
CVS Trip #1:
4 Glade Glass Scents Candles( for Christmas)- $ 2.50 each - Used B1G1F Mfrs. Cpns = $ 1.25 each and I received $5.00 in ECB's
4 cans of Gold Emblem Mixed Nuts( for Christmas party mix)- On sale B1G1F - $11.38 for all
6 Newspapers - $2.00 each = $12.00
Used $5./30. CVS Cpn
Used $14.00 in ECB's
Total Out of Pocket was $ 9.39 and I received $ 5.00 in ECB's.
CVS Trip #2:
3 Newspapers = $6.00
Used $ 5.00 in ECB's
Total Out of Pocket was $ 1.00.
My rollover grocery budget was $15.40 plus $38.00 added for this week minus the $10.39 I spent today= $ 43.01 left for the rest of the week.
Saturday, November 15, 2008
2. Put together 2 more Gift Baskets for Christmas today and shrink wrapped them with Dollar Tree shrink wrap and beautiful Christmas Bows with gold bells that I purchased cheap after Christmas last year.
3. Did one load of wash in cold water and hung it to dry.
4. Made a jug of Sun tea from Free Tea Bags.
5. Had a large lunch at our annual neighborhood picnic which is paid for by our HOA with our monthly dues, so tacos will have to go on the menu in a week or so. Just going to have fruit for dinner.
6. No lights till dark and all of our light bulbs have been changed to CFL's except for those on dimmer switches. This saves a lot of electricity during the year.
7. Updated pricebook spreadsheet with this week's prices.
8. Rode the recumbent bike for exercise. No gym fees for us.
9. I try to avoid using my printer as much as possible. However there was something I wanted to print today. I always print in draft or grayscale mode to save on ink and I always do a preview to make sure I am only printing what I need. I hated it when I would hit the print button and find out there was a page 2 that was blank. I also use the backsides of paper and of junk mail 8 x10 sheets of paper- especially to print coupons.
Friday, November 14, 2008
2. I researched and found a number of different ways and formulas to refill my Scrubbing Bubbles Automatic Shower Cleaner. I will be experimenting with them over the next couple of weeks.
3. Was given a free donut and bottle of water while doing a transaction at the bank.
4. Staying out of the stores - so no money spent
5. I went through a # of magazines this morning before I threw them out and saved any Christmas themed pages. I will use them to make envelopes for my Christmas letters next year.
6. Planned next weeks menus from the pantry and freezer.
7. I reserved a couple of books that I want to read at the library through my online account.
8. My dish liquid bottle was empty so I refilled it with 1/2 Dawn and 1/2 water. That gives me two bottles from just one and it works just as well as when it is undiluted.
9. Washed a couple of Ziplocs so that I can reuse them.
10. Continued doing all the daily things that I previously posted this week like keeping the lights off until dark, conserving water, TV's off when not watching, same for computers when not in use, etc.
11. Ate leftovers for lunch.
12. I am making homemade pizza for dinner using from scratch pizza crust, sauce, seasonings, 2 different cheeses, sliced black olives and onions.
Thursday, November 13, 2008
1. Put all the ingredients for my dinner in the crockpot before we went out. You use less energy using a crockpot than the top of the stove or oven.
7. I was craving a smoothie for lunch today. Instead of running out to buy one at Sonic or somewhere else, I grabbed some strawberries out of a bag that I had frozen in July when strawberries were $.50 a lb. and put those, some yogurt, milk and ice in the blender.
Wednesday, November 12, 2008
Tuesday, November 11, 2008
2. Brushed and flossed my teeth after every meal to avoid having to spend on restorative dental bills. We have no dental insurance.
3. I used my makeup sparingly today since I am not going out. Only used a bit of foundation and some lipstick.
4. I will be running errands tomorrow and staying home today so NO gasoline used.
5. We turn on no lights till dark here. The curtains open give more than enough light.
6. We have no A/C or heat on here which saves on electricity. It is in the 70's!
7. I heated leftover lentil soup for lunch in the microwave instead of on the stovetop thereby saving on electricity.
8. We received our monthly electric bill today which we allow the company to deduct from our checking account each month. By doing this they give us a 1% Discount and we save on a stamp to mail it.
9. Our hot water tank is turned off from 5-9 am and 5-9 pm which is the on peak hours. We have it on a timer so that it does it automatically Monday - Friday. We work around those hours for water usage.
10. Only 1 television was on this morning for about 2 hours while DH watched the football game that he recorded last night. Both televisions will probably be on for 2 hours tonight since DH and I watch different shows tonight. Otherwise the televisions are off.
11. I turn my PC off when not in use. I have it on a powerstrip and that gets turned off too to save on electricity.
12. The swimming pool runs only 6 hours a day on a timer on off peak hours.
13. We have a salt system on the pool which save us lots of $$$ because we do not have to use chlorine daily. We just shock the pool in the spring.
14. We water the trees, bushes and flowers using a drip system which is on a timer.
15. I reheated the spaghetti and meatballs in the microwave instead of using the stovetop which uses more energy. I made the garlic toast in the toaster oven which is cheaper to use than turning on the big oven.
16. For my birthday, I received an online subscription to a frugal newsletter. I received my second issue online today and read all 8 pages and gleaned a couple of tips that I can use and a recipe. This and a subscription to Refund Cents is all the subscriptions I have. The Refund Cents subscription renewal was also a birthday present. All the magazines I get are free from free offers or survey points. Any that I don't have that I want to read I can read at my local library.
17. I started making my grocery list and errand list for tomorrow pulling the coupons I need to use.
18. I collected all the wastebaskets in the house and put all of the garbage from them in plastic grocery bags instead of using an expensive tall kitchen garbage bag.
19. UPS delivered a product tonight that a survey company wants me to test. I was thrilled because it is a product that I added to my grocery list today. I now have enough Free to last a year. That is a big savings for my wallet!
20. I did tonight's dishes by hand instead of using the dishwasher. There were only a couple.
21. I am off to read a $ .25 book that I purchased at Goodwill until my TV program, NCIS comes on.
In my quest to always be smarter with my money, I will be using up my stockpile for the next 6 months to a year. I am sure I have at least that much food stockpiled in my freezer and pantry. Does that mean that I won't be shopping? Absolutely not! I will still be purchasing whatever I can get for Free or under $ .25! I will also be purchasing the necessities that we need - milk, juice, produce, our turkey and the trimmings for Thanksgiving, our meal for Christmas, and cat food for our large female cat. BTW, if anyone in the Phoenix area knows where I can get dry cat food cheaply right now, please leave me a comment and let me know. She is down to about 10 cups of food. I will still be posting everything we buy.
We just have so much right now that I want to make sure we use it and that it doesn't go to waste. The same goes for HBA products. I must have about 75 bottles of shampoo, 30 bottles of conditioner, enough Tylenol, Advil and Excedrin to never run out, many cosmetics to use up, etc. I have enough laundry detergent and fabric softener to last me a year. All those little samples we get so many of in the mail will get used up also. I will be refilling my liquid soap bottles with diluted shampoo for a long time. It is all soap!
I also have some giftcards that I will be trying to use when I shop. In the beginning of July, I purchased some giftcards at Fry's when I could get the extra $ 30. free when you bought $300. worth. I have about $ 487. still left on them between 2 cards. So I will try to do most of my shopping at Frys! I also have some Walmart giftcards that I got free for doing surveys and some Target giftcards left from an Ebates promotion. I like to use these cards up because it takes no money out of my pocket. I also have money on my Walgreens Rebate card. These items will get used first. With so many companies going belly up in this economy, you never know when those giftcards could become useless. Although I think I am pretty safe with these particular companies.
Breakfasts in this household consist of cereal, fruit, muffins, waffles, pancakes, cinnamon rolls, eggs and bacon. I have enough boxes of cereal to eat Monday -Friday for the next 6 months. We usually make the other items from our stockpiled ingredients on the weekends; just a force of habit carry over from our working days.
All lunches and dinners are made from stockpile items. For lunches, we like grilled cheese sandwiches, meat sandwiches, BLT's, soup, salads, or any prepared food from our stockpile. Starting today I will be posting our dinner menu for the week. So for the rest of the week we will be having:
Tuesday: Leftover Spaghetti and Meatballs, tossed salad, garlic bread.
Wednesday: Chicken Caesar Salad(made from leftover shake n bake chicken), mandarin oranges.
Thursday: Red Beans and Rice, corn.
Friday: Homemade Cheese Pizza, tossed salad.
Saturday: Tacos, Mexican Rice.
We eat leftovers a lot because I like to cook in larger quantities and it is cheaper to bake 4 chicken breasts energy wise than to do 2 each time we need them. Sometimes I will roast an entire pan of them and freeze the extras for future dishes. I am always thinking about how to cook something with less energy.
Also in my quest to NOT spend as much money as possible, I will be posting every evening what I did to save money or to not spend money that particular day. It will keep me accountable to myself and may give someone else an idea for saving money for their own family.
Monday, November 10, 2008
Sunday, November 9, 2008
1 Campbell's V8 Soup - $ 2.99 - Used $1./1 Mfrs. Cpn Doubled = $ .99
3 Shake n Bake - $ 2.99 each = $ 8.97
1 package of Chicken Breasts - managers special at $2.39 a lb. = $ 6.88 - Used 3 ( $1./1) Mfrs. Cpns Doubled off Chicken wyb 3 Shake n Bake = $ .88 ( Thank You Lisa)
1 Delmonte Mandarin Orange Fruit Cups -$ 2.99 - Used $ 1./1 IP Cpn Doubled = $ .99
1 Healthy Choice Fresh Mixers - $ 2.50 - Used $ 1./1 Mfrs. Cpn Doubled = $ .50
2 pkg. Minute Rice Instant Cups - $ 2.39 each - Used $.1/2 Mfrs. Cpn Doubled = $ 2.78
3 pkgs. of Starkist Tuna Creations - $ 2.39 each - Used $ 1./1 Mfrs. Cpns Doubled = $ .39 each = $ 1.17
3 jars Vlasic Sweet Relish - $ 2.69 each - Used $ 1./1 IP Cpns Doubled = $ .69 each = $ 2.07
Total Out of Pocket was $ 18.35
My rollover grocery budget was $ 41.48 plus $ 38.00 for this week minus $ 18.35 spent today = $ 61.13 for the rest of the week!
Well they have in a big way! Super Dollar Double Coupons Through Tuesday. Limit 3 -$1.00 coupons for the same product. Manufacturer's coupons only- no store coupons and no tobacco or liquor. WooHoo!
Saturday, November 8, 2008
2 Betty Crocker Cookies Mixes - $2.00 each - Used $ .75/1 IP Cpns(DND)- $ 1.25 each
1 gallon of Milk - $ 1.88
6 Orville Redenbacher Microwave Popcorn - $2.00 each - Used $ .40/1 Mfrs. Cpns Tripled = $1.00 each
2- 16 oz Coffemate Liquid Creamer - $2.00 each - Used $ . 75/1 Mfrs. Cpns Dbled = $ 1.00 each
2- Swiss Miss Hot Cocoa -$1.00 each - Used $ 1./2 Mfrs. Cpn = $ .50 each
1 bag of Dole Salad - $ 2.50 - Used $ .50/1 Mfrs. Cpn Dbled = $1.50
1 Blue Bonnet Margarine - $ .88
1 Pepperidge Farm Texas Toast - $ 2.50 - Used $ .55/1 Mfrs. Cpn Dbled = $ 1.50
1 Pepperidge Farm Apple Turnovers - $ 2.33 - Used $ 1./1 Mfrs. Cpn = $ 1.33
1 Weight Watchers Cream Cheese -$ 2.00 - Used $ .55/1 Mfrs. Cpn = $ 1.00
10 Cheetos Cheese Puffs and Corn Chips - $ 1.50 each
4 Bakery Hard Rolls - $ 1.78
2 Kroger Onion Dip- $ 2.50 each
Used $ 2./10. Fresh N Easy Coupon
Received $10.00 Instant Rebate for doing 2 Mega Deals
Total Out of Pocket was $ 28.37
My rollover grocery budget was $ 69.85 minus the $ 28.37 I spent today = $ 41.48 for the rest of the week!
Thursday, November 6, 2008
Wednesday, November 5, 2008
Our weekly ads came in the paper today so I made my lists quickly and went shopping! Here is what I purchased:
Tuesday, November 4, 2008
2 cans of Progresso Soup - 0n Sale for $ .99 each - Used $ 1.10 IP Cpns = Free and I can get $ .99 back on rebate if I don't like the soup.
3 Dial Hand Soap - On Sale for $ 1.00 each -Used $ .30/1 Dbled Cpns = $ .40 each
The cashier entered $ 1.98 credit for the 2 soup coupons and then evidently accidentally scanned 1 - $1.10 coupon.
My Total Out of Pocket was $ .33
2 -10 ct. boxes of Nestle Hot Cocoa with Mini Marshmallows - $ 1.00 each - Used $ .75/1 IP cpns = $ .25 each
2 Boxes of Frozen TGIF Snacks - $ 3.22 each - Used $3./1 IP Cpns = $ .22 each
2 cans of Muir Glen Diced Tomatoes - $ 1.44 each - Used $1./1 IP Cpns = $ .44 each
1 Preparation H Wipes - $ 2.94 - Used $ 3.00 IP Cpn = Free
2 Scotch Lint Rollers - $ 1.34 each - Used $1./1 Mfrs. Cpns = $ .34
6 Wellpatch Singles Pain Patches - $ .97 each - Used $1./1 Mfrs. Cpns = made $ .03 on each
Total Out of Pocket Including Tax was $ 3.24
1 Essence of Beauty Lip Butter( not pictured) - $ 2.99 - Used $ 2.00 CVS EOB Cpn = $ .99
1 Essence of Beauty Hand Lotion - $ 2.49 - Used $ 2.00 CVS EOB Cpn = $ .49
Used $ 1.00 ECB
Total Out of Pocket was $ .63
Walgreens Trip #1:
8 Schick Quattro Razors - $ 5.99 each - Used $3.00 Walgreens ESR Cpn = $ 2.99 each - Used 6 $ 2.00 Mfrs. Cpns and 1 -B1G1F Mfrs. Cpn
4 - 15 ct. Wrigleys Winterfresh Gum - On Sale for B1G1F - $ 1.19 for each 2 - Used 2 B1G1F Mfrs. Cpns - All Free
Used $5.00 Register Reward
Total was $ 3.95 of which $3.02 was tax. Nothing out of pocket because I paid with my Walgreens Rebate Giftcard.
Walgreens- Trip #2:
6 Bic Soleil Razors - $ 6.99 each - Used $3.00 Walgreens ESR Cpn = $ 3.99 each -Used $3.00 Mfrs. Cpns = $ .99 each
6 Bic Soleil Cartridge Refills -$ 6.99 each - Used $ 3.00 Walgreens ESR Cpn = $ 3.99 each - Used $ 3.00 Mfrs. Cpns = $ .99 each
3 Halloween Magnetic Lists - on sale for 75% off = $ .24 each
Used $8.00 Register Reward
Total was $ 9.93 of which $5.33 was tax and nothing out of pocket because I paid with my Walgreens Rebate Giftcard.
5 bags of Armour Italian Meatballs - On Sale for $ 2.99 each - Used $1./1 Mfrs. Cpns = $ 1.99 each
1 bag of Halls Cough Drops - $1.00 - Used $ .50/1 Mfrs. Cpn = Free
Used $ 2./10. Fresh N Easy Cpn
Total Out Of Pocket was $ 7.95
My rollover grocery budget was $ 99.42 minus the $ 12.15 I spent today = $ 87.27 left for the rest of the week!
Monday, November 3, 2008
1 Dawn Dish Soap - $ .99 - Used $1.00 Mfrs. Cpn = Free
1 Nature Made Fish Oil - $ 10.49 - Used Free Mfrs. Cpn Good for $ 7.00 = $ 3.49
1 Listerine Mouthwash - $ 3.49 - Used $ .50/1 Mfrs. Cpn = $ 2.99
Used $ 5.00 in ECBS
Total Out of Pocket was $ 2.11
5 pkgs of Idahoan Potatoes - $ 1.00 each - Used $.75/1 IP Cpn Dbled = Free
2- 4 packs of Cottonelle Toilet Paper - $ .99 each - Used 1-$ .50/1 Mfrs. Cpns Dbled and 1 - $ .25/1 Mfrs. Cpn Tripled and $.50 Shortcuts Cpn = made $ .27
2 pkgs of Kroger Turkey Gravy Mix - $ .67 each = $ 1.34
Used $ 1.00 OYNO Cpn
Total Out of Pocket including $ .06 tax was $ .14.
My rollover budget from last week was $ 63.67 plus $ 38.00 for this week = $ 101.67 minus the $ 2.25 spent today = $ 99.42 left for the rest of the week!