Every Day

Cutting Costs and My Why

All the years of our marriage, Hubby and I have had some lofty goals. We have met them all including buying 4 brand new homes, putting our sons through private schools and college, 2 in ground swimming pools, moving cross country twice, and giving away many thousands of dollars to family and charities, etc.

We have one last goal before we die! It is to give a certain amount of money to four family members upon our deaths. I am not going to tell you how much that totals up to because we want to keep that private. We have been saving many years for this goal. What I will tell you is the amount we still need to reach that goal is $ 113,028. Yes it is a lot of money. But we want to speed the savings up so we are going to extreme cost cut. Another reason I am doing these cost cutting posts is to help a family member. Plus if I only help one of you, I have done my job here.

I am aware that we all want to talk about what we save. It is really more about what we spend. Every dollar that we fritter away is a dollar that can’t be saved and invested for any goal that I or you want to reach. By fritter away, I mean waste. You all know the frivolous things I am talking about. We have talked about them many times.

I don’t know how fast we will reach this goal but I am hoping it will be under 3 years. I will let you know at the end of each month how much money has been saved toward this last $ 113,028. from our different streams of income. I will be very mindful that every dollar we spend will not be there to lower the amount we need.

So lets get started on the cost cutting with some of the things that we have done so far this week.

Hubby has decided to cut a birch tree that has grown larger than we thought it would so it needs some serious trimming. It is near our house and when the wind blows here the branches whack the roof. We had a tree company come out last summer to get an estimate. He told us he would it do it for $350. when he had another job in the area. That was the last time we heard from him. Whatever Hubby can’t reach, we will ask one of our sons to do when they visit. This way we won’t spend that $ 350. or most likely more because prices are always going up.

You read my small grocery haul post yesterday where I am trying to keep what we spend on groceries very low. I do this by purchasing only sale items, using coupons, and taking advantage of senior discount day 6% off. I also take advantage of deals for extra gasoline points if we can use that food. Gasoline is very expensive here in NY mainly because of all the taxes on it. So I like the Top’s and B.J.’s deals to get cheap gasoline. I always check prices before I fill up and if our cash station has the better price than those stores after the points and deals, I fill up there. Right now I am trying to wait until my tank is very low so that I can fill up and get the full benefit of those points or deals.

That free rotisserie chicken, that I purchased on Tuesday, will make 2 or 3 meals of sliced chicken and a big pot of chicken soup which will give us 3 more meals. I will be making my own broth in the crock pot instead of spending $ 1.37 for 32 ounces. I can get twice that from the chicken carcass. skin, and water. That will save me $2.74.

Hubby made a Caesar salad with his chicken and used up the last of the lettuce last night. I just ate a chicken sandwich. It was nice to not have to do any cooking.

We turned our A/C off about 10 days ago because the weather got cooler. We had to turn it back on mid morning yesterday. It was so hot and muggy here. I made sure all day that the shades were drawn on the sunny windows. But 10 days less of A/C on our next electric bill should make a difference.

Hubby has the sprinkler system on a timer three days a week. I usually get up before it comes on so I check and if it rained during the night or is supposed to rain that day, I turn it off. Our water rates have gone up this year so I do everything I can to not waste water.

I got a haircut at Great Clips before I shopped at Top’s yesterday. I had a $2.00 off coupon and had my stylist punch my card. You buy 7 haircuts and you get your 8th haircut free. I have 2 punches right now.

Fast Cash Bottle Redemption is in the same plaza so I took 3 bags of bottles back to get $ 2.55 in deposit money. Our deposit here is $ .05 per bottle or can. But it looks like NY wants to raise the deposit to $.10 a bottle and expand the deposit to other beverages including wine, spirits, and hard cider. It is in the legislature and I expect it will pass.

I used to buy big packs of water bottles to stock up for an emergency. I have quit paying for that. I now just wash out any plastic bottles when they are empty and fill them from the sink. I rotate through them to keep the water fresh.

Another thing that I have been doing is replacing my jars of spaghetti sauce with McCormick’s Spaghetti Sauce mix. It is cheaper and takes up less space. When my jars are gone, I will only use this or make my own homemade.

Are any of you saving for a goal right now?

6 replies on “Cutting Costs and My Why”

Hi Precious, great post today. I have no doubt that you and Hubby will reach your goal. I had a goal to save a certain amount before my hubby retired in January, and I reached it. I need a new goal now. I will have to think about it. Our finances this year are different, they are more like they were when we were newlyweds and didn’t have a lot of extra money. We haven’t started taking SS yet, but plan to start it in Jan. I am very thankful I saved a lot of cash in the last 5 years, it is helping. And we are being mindful of our spending.

I have not heard of the McCormick’s spaghetti sauce mix, but will see if they have it here and try it if so. McCormick’s was a big name when we lived in Maryland, so I know it should be good.

We had our AC off and had to turn back on also. The next few days are going to be cooler so hopeful to keep it off. We are running our ceiling fans faithfully.

Hubby and I got the mulching done yesterday and he is now starting on the bush trimming. We have someone coming out today to check our roof and I will let you know how that goes. We got our gas bill, but not the electric. I will report when we do. Our water bill was the usual 71.xx. I expect next month it may be more since Hubby is watering the garden. We don’t have a sprinkler system for the yard.

Hi Chris,

Thanks for having faith in us. I so happy that you guys reached your goals. Even in retirement you can reach your goals. It is sometimes a longer timeline. You guys will do great!

The spaghetti sauce is delicious. It has a 5 star rating and goes out of stock quickly.

We are supposed to have rain today right through Sunday. We will see how the humidity is as to whether we turn it off again or not, I can’t take the humidity anymore after living in AZ.

Yeah I am glad your mulching is done. Frank has been bush trimming too. They are growing like weeds with all the rain this spring. Please do let me know about the roof.

Hi Precious. We are going to need to file a claim for the roof, and possibly gutters, downspouts. There is also a piece of siding that has a crack in it. Sigh. The guy our insurance recommended did a careful inspection.

HI Precious
As always a timely post….MIL is hiring someone to wash her windows and I almost told her to send them to us when they were done. I can certainly wash 3 windows and a door all by myself and save that money. We are saving what we can but not wholeheartedly for his possible slowing down after his umpteenth back surgery in 2 weeks. I hope he does decide to “retire”, the dogs would love to have him home all day. he has more than enough work at home to stay busy after all I have been waiting 4.5 years for him to hang doors and trim.

Hi Patti,

LOL! If we can wash 21 windows and 2 doors, I think you can do 3 windows and a door. I wish your Hubby luck with his back surgery and hope your futures will be what you want them to be. Yup, I hear you. Hubby had a long list too but is slower at it these days.

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