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Home > Archive: January, 2007

Archive for January, 2007

January 2007 coupon usage

January 31st, 2007 at 10:26 am

0.75 – can’t remember what this was for
0.35 – Dole lettuce. On sale for 0.97 - .35 = .62
1.75 – Emerald Nuts. Final price = 1.25
1.00 – Angel Soft TP
2.00 – Cat litter
2.50 – Breathe Right strips (for DH)
2.00 – Advil (for DH)
0.50 – Lysol
1.00 – Cereal. Final price 1.34
0.25 – Cascade. BIG box on Clearance at Target $4.07. Included free Rinse agent.
1.00 – dried fruit 2/$3 at Walgreens. Final price $2.00 for 20 oz.
0.50 – Dawn. Final price 0.50 for a little bottle.
1.00 – Prego. Final price $0.24!!
0.35 – Dole lettuce. Final price $1.32
0.25 – 3 boxes of Puffs
2.00 – Cereal. Final price 1.50 per box
2.00 – Coffee. Final price 3.88 for 12 oz Eight O’Clock coffee
3.00 – Coffee. Final price $3.00 for 24 oz Eight O’Clock coffee
6.00 – Razors. Final Price 4.99 (on sale!) -2.00 = 2.99 per 4-pack
0.50 – Tampons
0.35 – Dole lettuce Final Price $1.32
2.00 – Popcorn. Final Price FREE. On sale for $1.00 each - 1.00 coupon.
1.00 – Lubriderm (for DH)
1.50 – York Peppermint patties

33.55 – TOTAL

I’ve decided to keep a detailed record of all my shopping and coupon usage this year. When it comes to food, I tend to buy a lot of store brand items so I don’t get to use many coupons for that. I also don’t buy too much packaged/prepared food. DH has the problem of being brand loyal to certain toiletry items. That limits me incredibly. I’ve tried to use other products but he absolutely won’t use them. We end up with two toothpastes, two lotions, two shampoos, etc. I use the cheap or free stuff; he uses whatever product he is attached to.

I did not include the Walgreen’s coupons. Walgreen’s has a tendency to be overpriced. I’ll only buy something there if there is a store coupon and a manufacturer’s coupon and if the resulting price is lower than elsewhere. I do go in for the Free-After-Rebate offers. Those are not included in the above total.

Grocery Money

January 30th, 2007 at 06:21 am

I'm now into week nine of being unemployed. I've been cutting back the spending. I never really spent that much before so there aren't many areas to cut. I'm working on the grocery spending. I found coffee (good coffee, not the stuff that come in cans) on clearance for 2/$6 for 12 oz bags. I had a coupon for $2 and $1. I ended up getting that coffee for 2/$3. I'm happy about that. I've also been doing the Free-After-Rebate at one of the drug stores. The store is normally expensive but they do offer the rebates and they also let you use a manufacturers coupon in combination with their store coupons. I've been finding some ways to save there.

Bankruptcy in the family

January 23rd, 2007 at 02:12 pm

I visited my parents last week and found out that my brother and his wife declared bankruptcy. I am so devastated by the news. It has been bothering me for days. It is so not like my brother to get into debt. I strongly suspect that his wife is the source of the problem. However, I know I can't completely point the blame all to her, afterall, he "let" it happen even if he was just a bystander.

My parents are equally upset about the matter - especially since they found out about it by reading it in the newspaper! My parents do so much for those two (free babysitting, free meals) so it is really difficult for them to stomach.

What makes it hard for me is that I can't talk to my brother about it. At this point my mother says I am not to mention it to him.

They are now on a payment plan for the next four years to get things turned around. That is good... but I fear the brother's wife has learned nothing from this and will go on spending, spending, spending.

2006 Medical Expenses - Yikes

January 11th, 2007 at 10:55 am

Grand total = $4791 for TWO people.

Insurance Premiums = $1920
Out of Pocket Expenses = $2871

Of the out of pocket expenses here are some biggies:
$1212 = DH chiro and accupuncture
$ 94 = DH MRI on spine
$ 114 = DH epidural for bulged disc
$ 111 = Me new glasses
$ 40 = Me ultrasound
$ 42 = DH new lenses
$ 359 = permanent sterilization

The remaining out of pocket expenses were for dental, copays, prescriptions and all over the counter medications.

I did participate in an FSA for $2100 for the year so that will reduce my taxable income. However, I didn't claim any medical mileage. I need to figure that into my plan the next time I am on a FSA plan since it is now $0.20 a mile for 2007 and since the chiropractor is a 30 mile round trip.

Back from Vacation, Job Search

January 10th, 2007 at 01:33 pm

We returned home from our three week European vacation on 12/30. It was a fantastic trip but we were both ready to come home to the pets after that long away. The exchange rate in England killed us. The rest of Europe wasn't too bad. We definitely spent more than we intended to and we didn't even buy much in the way of souvenirs or gifts. It was nice that half of our nights were with relatives (mine and his) so we didn't have hotel expenses there.

I'm now into my sixth week of being unemployed. It doesn't feel like it has been that long. I'm spending my days getting things in order related to my separation from work... Cobra, 401k rollover, etc. It's all a big hassle. Part of my severance package requires that I apply for state unemployment benefits (the company is actually the one paying the benefit). I've been applying for 2 jobs a week and wouldn't you know it..... One of them is interested in me already.

I had an interview last week. The HR person sent me an email to ask for my reference info yesterday. I guess they must be interested. However, I'm not ready to go back to work yet. I'm at the point where if they offer me 75% of my previous salary I either have to take the job or lose the weekly unemployment check. Grrr.