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Every Day

Frugal Things We Have Done This Past Couple of Weeks

These are the things we have done frugally the past couple of weeks.

I signed up for free samples on Amazon. We got our first one. The writing on the packaging was rather hilarious.

On our reunion trip, we purchased no meals or drinks during the trip to our destination or coming home from it. We just ate snacks and drinks that I had packed at home. I had packed an assortment of chips, granola bars, organic Honeycrisp apples, almonds, candy bars, Baby Bella cheeses, mozzarella sticks, turkey pepperoni, avocados, Slim Jims, Parmesan Crisps, bottles of water, and bottles of Diet Snapple Raspberry Iced Tea.

We purchased no food or drinks of any kind at the hotel. My son and DIL were nice enough to feed us breakfast on Sunday before we returned home.

The Hilton Hotel cost us $123. a night for two nights and $5.00 a day for parking. Plus all of the taxes and surcharges that New York state adds on. I purchased the hotel through Priceline using a $5.00 off coupon and used Rakuten to get cash back and by using my rewards card, I also got cash back.

I brought home from the hotel the leftover body wash, lotion, shampoo, 2 K cups, and 2 non dairy creamer.

I used up the last $.20 off a gallon of my gasoline reward points to fill up the tank for our trip out. We used our EZ pass for all the Thruway trips which gives us a discount on tolls.

At the Buffalo Zoo we were able to pay the senior admission for the two of us and children’s admission for my granddaughter. I thought they might question me because she is so tall but they didn’t. These discounts saved us $7.00. Parking was $5.00 and saved us from parking on the street and then walking a long way. We brought plenty of iced water and snacks with us from home so we purchased nothing there.

At Niagara Falls, parking would have been $10.00. But on certain days, if you are a NYS resident and over 65 years of age, you park for free. It was a Tuesday and it happened to be one of those days. We also brought plenty of water and snacks with us.

I purchased the newest Samsung 10.1 tablet for Hubby on Amazon Prime day. We saved $30. over what it would have cost us prior. I also used my almost $20. in rewards cash to help defray the cost further and I earned 6% back in rewards. I had also purchased a $25. gift card to use and got a $ 5.00 promotional credit.

I purchased some Queen vinyls for my granddaughter earning 6% back in rewards. 

In my quest to be more frugal and intentional, I have been working on cutting back what I spend on household products. We use a lot of liquid soap in this house. Not only is it expensive but it seems like I am always buying it whenever I go to Walmart where up to now I had found the cheapest price. So I have been researching a cheaper price to buy it in bulk. On Amazon, I found that I could purchase a good quality soap with good ratings in bulk. I ordered 4 gallons for just $.07 an ounce and it will give me back reward cash. It also will last a while. The only down side is that it won’t arrive for a month but I think I have enough to last me until then. We are also being more intentional about using less of it.

I bought 2 LED 3 way bulbs, that are warrantied for 22 years, for our reading lamps online at Amazon for $19.95. At our hardware store, it would have cost me that for one.

I drink V8 juice quite a bit for breakfast. I was on my last bottle so I was looking for a great deal. I purchased the above pack of 24 for $ 6.16 at Amazon which was a superb deal.

We went to Russell’s Steakhouse , our favorite restaurant, for dinner one night.  It was a celebration with Alexa of our anniversary one week late. We received a gift certificate for Christmas. It covered all of the bill except for $20.74 plus a $35.00 tip. Alexa loves going there as much as we do.

I have problems with my hands when I use my tablet. I noticed that Alexa had a gadget on her cellphone that goes on the back and lets you hold it between your fingers. She told me that they sell them for tablets too and are called Pop Sockets. I purchased one on a Prime Day to get 6% back in rewards.


I read the electric and natural gas meters and submitted them to the company so that I wouldn’t get an estimated bill. We only used 450 KWH’s and 3 CCF’s of natural gas in the past month. Our bill was the smallest ever for a July one: $ 81.50. Of course, we had no A/C for three days but we also didn’t run it when it wasn’t needed.


We know that there was a power surge while we were away at the reunion because all of our clocks were flashing when we came home. We have had a lot of them lately especially when we have a storm. The A/C repairman told us that it is feasible that it could have blown out the switch on our A/C. 


The cost of the repair for the A/C was  $ 139.32 just to come out. They did not have a switch on the truck so he took the bad switch out and twisted the two wires together which will keep the A/C running until they can put a new switch in. We don’t know what the switch will cost yet but it is the cheaper of all of the scenarios that could have been the problem. Bottom line is that we are very happy to have A/C again. Heat index the three days after it was fixed was 100. 

I have gotten very good at keeping the SUV under 2000rpms when I start up from a light or stop sign. This allows me to save on gasoline. No jack rabbit starts for me.

The only school supplies I purchased on the sales this year are these 4 notebooks at Office Max. They were $ .10 each. I use them for keeping track of various things here. I am well stocked on everything else we need. 


I returned two Sim cards that Hubby bought accidentally to Amazon. They are not charging me shipping to send them back. It was easy to get the code on my phone to have UPS scan it,  package them, and ship them back.

I ran all of my errands on Monday doing the 8 mile trip in a circle to save on gasoline.

I froze three bananas that were leftover. I will make banana bread when it is cooler in the Fall.

We were able to turn off the A/C on Monday evening. Temps at night have been in the sixties and daytime 70’s. It’s comfortable since it isn’t humid like it was.

I post my frugal things weekly when I don’t have company. I do it so that you all will sometimes glean a tip or think about things that you haven’t thought about. Some weeks they add up to quite a bit of money; others not so much. But I want you all to realize that the little things add up to big money over the period of 6 months to a year. Saving on these things in good times allows us to continue saving money in our investments so if there are bad times we can weather them easily.

I don’t get much feedback on these type of posts. I can easily change this Wednesday post to something that would be better for all of you. So let me know if you like this particular kind of post or would benefit from something else.

Feel free to share what you have done frugally the past couple of weeks. 

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Every Day

What We Ate and Grocery Shopping

Just a quick list of what we ate last week.

Dinners:
 
Five Guys Hamburgers and FF’s

Chicken, Broccoli, and Air Fried Baked Potatoes

Dinner out at Russell’s: Filet Mignon for both Hubby and Me, Baked Potato for Hubby and a veggie, Stuffed Tomato and Asparagus wrapped in Prosciutto for me, Chicken Tenders and Fries for Alexa, Chocolate Covered Strawberries for dessert for Hubby and Alexa

Spaghetti and Meatballs with garlic bread for Hubby, Alexa and my DIL. Spaghetti and meatballs for me on zoodles

Chicken, Broccoli,and Baked Potatoes again

Pasta Bake for Hubby and Chicken and Broccoli for me

Shaved Rib Eye Steak sandwich for Hubby and  mine was done with a lettuce wrap

Lunches were sandwiches or late breakfasts with pastries, bread, eggs, bacon, sausages, cereal, apple cinnamon waffles, hash browns, cantaloupe balls, etc.  


Grocery shops were done at Aldi’s and Top’s.

Aldi’s:


Beef Shaved Steak – $5.79
Boneless Chicken Breasts at $1.49 a lb = $ 8.06
2 Dozen Large Eggs $.79 each
1 Hot Dog Buns – $ .65
1 lb. Strawberries – $ 1.39
1 Half and Half – $ 1.55

Total was $ 19.02.

Top’s:

1 Reusable Bag using Top’s Q – $ .69
4 Kummelwick Rolls –  $ .75 each = $3.00
1/2 gallon Milk using Top’s Q – $ .99
2 Top’s SF Raspberry Jello – $ .79 each = $ 1.58
1 lb. Bacon using Top’s Q – $ 2.99
2 containers of Fresh Mushrooms-$.99 each = $ 1.98
5 Brown and Serve Sausage – $ 1.00 each = $ 5.00
3 Top’s Black Olives for $5.00

Total was $ 21.29. 


Did you get any good deals at your markets this past week?

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Every Day

My To Do List, Etc.

It’s been a busy 10 days and I loved every minute of it. My daughter in law arrived on Friday and my granddaughter was so glad to see her. 

Yesterday my son and grandson and their dog, Nori, came out for breakfast. All of us had a nice morning of just being with each other. It’s always a treat for me to have family together.

My granddaughter and DIL left about 11:30am to make the long trek home. They made an adventure out of it by taking back roads and staying off the highways. It took them 7 hours to get home but they enjoyed every minute of it. If you have never taken a different route to where you are going, try it sometime. It is fun to travel from one side of a state to the other and just enjoy the scenery.

My son and grandson left to go home about 2:30pm. The house seemed very quiet after the hustle and bustle of the week.

Hubby and I ate leftovers for dinner. We had leftover spaghetti sauce with meatballs so I made Hubby a pasta bake smothered in mozzarella cheese. I ate leftover broccoli and chicken. I will freeze the rest of the cooked chicken for another day. The rest of the pasta bake will be scooped up into portion size dinners and frozen.

But today I have quite a to do list to catch up on:

Get groceries at Aldi’s and Top’s – they have some good sales that I am not passing up.

Return deposit bottles to Fast Cash.

Package and take an Amazon return to UPS.

Go to the library to return books and take out a couple more.

All of the errands will be run in an efficient way to save on gasoline.

When I get home, I need to:

– strip 3 beds and wash sheets and all of the towels from 2 bathrooms

– write a Thank You note to the person who held the reunion

– work on some future blog posts

– clean a bedroom


– cut up the veggies to make two salads

-just relax and watch a movie


Do you guys have a busy Monday? Leave a comment and share with us what is on your agenda.

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Every Day

Our Day Trips

Since everyone is sleeping but me, I decided to post quickly about how our week is going. I am up very early and have opened all of the windows because it is 7 degrees cooler outside than in. So I am just typing away here enjoying the cool breeze.

On Monday, we took my granddaughter to Niagara Falls. We went to the American side which isn’t far from where we live. As we were driving along the Niagara River, my granddaughter says to me ” My cellphone says I am in Canada and has gone blank.” I quickly figured out that the closest cell tower was most likely on the Canadian side. 

Fortunately, her camera worked so that she could get some great pics. From the American side, you can see those Falls and the Canadian ones. The closest is the American Falls and the Canadian Falls is on the right in the background. The two countries are very close together at this point. 

I also did some Amazon Prime shopping to get Hubby a new tablet and Alexa some Queen vinyls for her record player. 

Image result for mohan, the baby rhino at the buffalo zoo  

 
Yesterday, we took her to the Buffalo Zoo. She has always loved this zoo. We all got to see the new baby Rhino, Mohan, who is 1 month old. He was just presented to the public for the first time last Friday. Earlier in the Spring, her Mom took her to Washington, DC to see the sites and they went to the National Zoo. She was disappointed. She said the Buffalo Zoo is so much better. So she was very excited to go.

Last night we got Five Guys food for dinner because it was hot outside and without A/C, I was not up to cooking. We got hamburgers and fries. I resisted the fries. It wasn’t easy because they smelled so good.

Alexa and I are going to go get her an Orange Cream at Arby’s later today. She loves them. Other than that we are going to stick close to home since the A/C repair people are coming. Fingers crossed that they can quickly fix the A/C. This has been the hottest week all summer to have it not working. 

Enjoy the rest of your week.

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Every Day

A Great Shopping Adventure With My Granddaughter!

When we arrived home after the reunion, I had nothing thawed to cook for dinner or lunch. So my granddaughter and I went to Wendy’s first so that she could eat a hamburger and fries for lunch.

Then she and I went grocery shopping for the week to buy her favorites so that I knew she would eat. Yes, I spoil her rotten but that is what Grandma’s do. We overbought on lots of treats(many she wanted to try) but whatever she doesn’t eat this week, I am sure my grandson will. Plus Hubby will eat some of them.

The pictures show everything we purchased. Sorry that one of them is blurry and I hadn’t noticed that. I don’t want to take the time to itemize the prices but we did spend $ 168.65. So lest you think I never spend any money, this shows that is not the case.

She only wanted chicken and spaghetti and meatballs for dinner. So we will be eating lots of chicken dishes.
The broccoli was for both she and I. I can fill in anything else that isn’t junk from my stockpile.

I couldn’t believe that she has never had a Twinkie or a Swiss Roll, so we got those for her to try. Her Dad used to love Twinkie’s.

What I didn’t tell you yesterday is that when Hubby turned on the A/C when we got home, it would not turn on. Even the fan isn’t working. We are hoping it is the thermostat. We called our A/C people for service Monday morning and they are swamped. So they can’t come until Wednesday afternoon. So we will be doing as much cooking outside as possible and with the air fryer and microwave. We don’t want to heat up the house. We open the windows at night and cool it down.

I hope you all have a great week! 

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Every Day

We Had The Best Weekend

Last Friday we started our journey to a family reunion. We left in the AM to drive to our Hilton Hotel in Eastern NY. That was a 5 hour drive. 

We drove non-stop with plenty of iced water, iced tea, and snacks in the car that we brought with us. I gassed the car up using $.20 off per gallon before we left.

After checking in the hotel, we left to drive to see our DIL and granddaughter and go out to dinner. My son was working.  We went to the Silver Spoon in Ravena. It is a cute diner that has just delicious food. They were able to accommodate my diet and that I appreciated. 

After spending some time with them, we returned to our hotel to get a good night’s sleep because we knew we had a long day on Saturday.

On Saturday, we made coffee in the room and had a snack that we brought from home for breakfast. We knew we would be eating lunch and dinner at the reunion.

Then we hopped back in the car to drive the almost 3 hours to the reunion in South Salem, NY. We are so glad that we decided to attend. Many of our generation have died but more of us are still here. We loved seeing each other again. It was like we had never been apart.  Many of the next two generations were also there and had a great day swimming in the lake, playing horseshoes and badminton and, going out in the canoe. We just loved catching up with each other and watching the young ones enjoy themselves. We also got to see a brother and sister and her husband who we don’t see as often as we like because of distance from each other.  

Lunch was a number of huge subs, fruit, salad, and greens and a myriad of salads. I was able to eat greens with some cheddar cheese on it and some strawberries. I always carry avocados from home whenever I travel. So I had 1/2 an avocado broken up on the greens which served as a dressing. Water was my drink of the day.

Dinner was hamburgers, chicken kabobs, greens and more salads. The kabobs and greens tasted terrific.

All day long there were cookies, cakes, cheesecake, etc. At 3PM, everyone minus me had their choice of a variety of ice cream. 

I have learned how to eat properly no matter where I go and that there are always things I can eat. When I weighed myself this morning, I had lost 2 more lbs. over the weekend.

Shortly after dinner, we left to drive the 3 hours back to the hotel. 

The next morning we left about 7AM to go to our son’s home and have breakfast. We picked up our granddaughter to bring her back with us for a week. So that was about 5 hours for our trip back home.

It was a lot of driving 3 days in a row and Hubby did it all. 

So with the exception of a short post tomorrow, I will be spending all of my precious time having fun with my granddaughter this week. After tomorrow I will be back posting again on next Monday. You guys have a great week!

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Every Day

The Rule of 72

I have always assumed that everyone knows the Rule of 72 when it comes to investing or saving your money. But having spoken with a number of people recently, I have found that my assumption is wrong. So many of them had never heard of it. So for those that don’t know or are new to saving and investing, I will explain it here.

The Rule of 72 is pretty simple to calculate. It says that if you want to know how many years it will take you to double your money at a given interest rate, you just divide the interest rate into 72.

Here is an example. If I earn an average annual 6% in the stock market, it would take me 12 years to double my money. If I earn 10% it would take me 7.2 years. 

If I only put my money into a savings account and the interest rate is 1.45%, it would take me 49.65 years to double my money. This shows you pretty quickly that investing in a savings account isn’t going to build wealth rapidly. But if you want a safe investment, savings accounts are fine.

When you invest in the stock market, it is risky for a couple of reasons. You can lose a lot of money if the market tanks like a lot of people did in the mortgage meltdown. They lost because they got nervous and pulled their money out at a big loss. So they ended up not being in when the market went back up. Your money invested in the market is not FDIC insured. 

Your savings account is FDIC insured up to $250,000. per depositor per bank. If you have a joint account with your Hubby, you are insured up to $500,000. on that account.

So each person or family has to decide if they want risk or not. Risk builds wealth quickly. Not taking risk takes many years to build wealth. Do what you are comfortable with.


Anyhow this is how to calculate how long it will take to double your money using the Rule of 72.


I hope you all have a fun and safe weekend!

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Every Day

Saving With The Small Pressure Cooker

I love pressure cooking. I have two, a large one and this tiny one.
Remember the smaller the appliance, the less electricity it takes to operate.  I believe I paid $19.99 for this and I have more than gotten my money’s worth.

I use this over and over again especially to cook rice.  Hubby loves rice and I hate the mess it makes when I cook it on the stove. I usually end up with a spill all over my burner.

Besides rice it makes just enough macaroni and cheese for two to three. I no longer eat pasta or rice but it is perfect for 2-3 servings when we have the grandchildren.

It is also perfect to make those rice mixes or even Kraft macaroni and cheese which I do sometimes for West. Many days I have made soup in it. It is just enough for us.

It takes so little energy over what it costs to use a burner on my stove. I  measured it with my KWH meter and it is just a few cents to operate. I only use my larger pressure cooker when I am cooking a larger piece of meat, making a stew, a pot roast, or when we have company.

So if you want to save money on electricity, think about the size of the appliance that you are using. Use the smallest one that will cook what you want efficiently.  And remember in the heat(summer or longer where you live), use it outside on your patio, porch, or garage.

Do you use any small appliances to save on energy costs? Please share with us in comments so that others can learn from you. 

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Every Day

Frugal Things This Past Week

These are the things we have done frugally this past week:

– We watched fireworks from our home. Neighbors at different ends of our street put on quite a show with lots of big stuff. We didn’t have to drive and use gasoline to go anywhere. 

– We cooked at home from scratch every night.

– I got another free $5.00 Amazon gift card. I used that gift card to defray the cost of 3 ounces of organic stevia.

– Even though we paid for mulch through the landscape company a few weeks ago, Hubby had to go and buy 5 bags to replace what got dug up with the tree. This will give us extra as needed. He purchased it on sale for a total of $10. at Home Depot.

– I went to the YMCA and exercised 3 days last week. I have also been doing a lot of walking.

– I purchased some more boneless chicken breasts at Aldi’s for $ 1.49 a lb.

– I purchased salmon fillets for a sale price of $10.99 a lb. at Top’s. I love salmon and this is a good price here.

– We were rebated $19.68 in credit card reward points. 

– We celebrated our 52nd wedding anniversary with a home cooked meal. 

– We do not exchange gifts on our anniversary. But I did give Hubby a card and made a carrot cake for him.

– I collected warmup water from our shower and used it to water our hanging baskets.

– I read my library books in 2 and 1/2 days and  returned them. Cheap entertainment!

– We have been using up free toiletries that have been just hanging around here.

– We continue to cut our electric and natural gas bill as much as we can. 


– Scanned the grocery receipts into Fetch for rebate points.

– Returned Hubby’s soda bottles and cans for $ 1.25. 

– DIY: We had some squeaky hinges on some of our doors. Hubby oiled them all. Now when I get up at 4 in the morning, I won’t wake Hubby up.


Feel free to leave a comment and share what you did frugally this past week. 

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Every Day

What We Ate and Grocery Shopping

I only grocery shopped one time this week. This is what we purchased.

Chicken breasts were again $ 1.49 a lb. at Aldi’s. I purchased one large package. Then I cut the breasts into smaller portions lengthwise and used the food saver to package and freeze them. I also purchased 3 avocados for $.79 each and 2 heavy whipping cream to use in our coffee for $ 1.55 each. My Aldi’s total was $11.77.

At Top’s, I purchased 4 packages of Parmesan Crisps for snacks and to put on salads for $ 2.50 each. Salmon was on sale for $10.99 a lb and that will give me 5 meals. Hubby asked for the 100% apple juice boxes. So I picked up 1 package of 8 for $2.39. Lastly, I purchased 2 G. Hughes sugar free ketchup for $2.99 each. My Top’s total was $40.57.


As you all know, we eat from our pantry and freezer stockpile while replenishing our produce when needed. So here are the meals we ate this past week.

One night we had taco salads and one night we had Chef’s salads with chicken pieces on it. We also had pork chops and steamed spinach another night.

Then I had salmon and oriental veggies and Hubby had leftover pork made into fried rice.

One night we had lemon garlic chicken and asparagus. Last night I made our anniversary dinner. Hubby cooked porterhouse steaks on the grill. I made riced cauliflower for me and I baked potatoes in the air fryer for Hubby. I baked him 3 potatoes. That way he has two leftover for other meals this week. We have leftover steak to go with 2 breakfasts this week.

We skipped lunch all week and ate late breakfasts so that we could intermittent fast. Breakfasts were always eggs over easy or scrambled with our choice of Canadian bacon, regular bacon, or chicken breakfast sausage. Many breakfasts I had 1/2 an avocado with them.


So what did you cook this past week? Did you get any great deals while grocery shopping? Please share in comments so that we can learn from each other.