Thursday, April 16, 2020

Thrifty Thursday-The End of My 4th Week at Home Edition

     My last day in the office was Friday March 20th. That makes today, Day 28 of being at home full time other than the occasional shop, and the few shifts I've had in the call center. As there are enough people who have work that can be set aside, or decreased during the crisis, I may not need to take another shift at all. It's just as well, because I am on line for 10 hours minimally each day, plus responding outside of that time as needed. This means we continue to be able to save in all three categories, time, resources, and money. I fear I'm not really making the most of the time element, but if getting a nap in, allowing myself to wallow a bit is not frowned upon, then so be it. I never promised anyone a novel. Oh wait. I think I did. Here's my time, resources, and money savings for the last week.

Time

  • We had a family web-ex call on Sunday with my extended family and Zoom with DH's. The snow made going over and sitting with my Mother-in-law not workable, but I saw her Tuesday with her grocery drop-off. DD2 also had a call with her, alone, and not through the chaos of the whole family on zoom.
  • I finally got the pantry sorted, and duplicate or extras tucked away to replace.
  • DD1 came over on Sunday-sitting very wide apart, outside only, and soaked up the sun. Later, DD2 and I had a fire outside. It started getting noticeably colder, but with blankets and the heat from the fire, it was relaxing. 
Resources

  • I felt a little down without any celebration for Easter, or church services but took advantage of YouTube, a free service. It sounds weird, but I'm making sure to not click through ads, but rather watch them, as I know those are what pays the bill. In fact, on Friday, many of the British YouTuber's I watch were donating any ad revenue to support NHS workers. That's a cause I can sit through an ad for. 
  • I've used some partial items again from the freezer for meals-a single piece of cod, 1/3 of a bag of mushroom ravioli, the last 1/3 of the meatballs. This ensures we don't throw food, but also gives us a bit more variety.
  • The only Easter Candy I bought was DH and DD2's Starburst Jellybeans. We still had the Reese's Eggs I bought last week, so that will suffice. If it isn't going to get eaten, why buy it? 

Money

  • DD2's housing and meal plan credit is roughly 40% of the semester, which is about the amount of schooling on campus she will miss. It will really help in the fall. When we are in a position to donate more, other than through tuition, we will add her college to our list. They are doing what they can to support students financially as best they can, while also keeping student resources as accessible as possible.
  • With no Easter Service, we didn't put money towards the Easter garden. A small savings, but we can put that money towards another need. I did notice there were some plants and flowers in the back ground.
  • I received my reimbursement for my business trip parking and two meals. I also received the credit for a disputed charge the hotel added for a bar/restaurant purchase on the day I checked out, which clearly was a mistake. These were owed to me, but it is easy to let things like reimbursement be forgotten or not follow-up on a billing error. 
  • DH noticed that Showtime had been added to our bill for Direct TV. He insisted he cancelled it after a trial period, and held firm to get our account credited for all charges, fees, and taxes associated. 

     So far, we are on top of and ahead of bills, tucking away a little each month. I don't want to think too far ahead as the experts disagree on how long the stay at home should last, how long social distancing and closed business will last. I can't see our attitude towards spending will change much in the near future, other than when we can and will patronize local business and restaurants again. We'll likely belt tighten for the next year or two, even more than we had been planning to try and beef up cash savings. We of course know our retirement has taken a hit. We should soon receive the statements. I use a small Roth account that we have through our bank-the others are elsewhere, to gauge the volatility. We don't contribute to it anymore, so it is a good litmus test. From where it started in January, it dropped 33%, then gained back up 10%, then 20%, then lost again, and is now sitting about 20% less than January 1. Every sneeze on Capitol Hill makes it move apparently. I only take a look if I am online for other banking needs. 

Besides going no where, did you have any thrifty wins? Are you spending a lot more on household and grocery items like I am? 

14 comments:

  1. Sam, thankyou for your comment at mine. I appreciate so much the fact that you got what I was saying, and didn't dismiss my feelings as something to be put to one side because things are beyond my control. It's how I am, and how I've been since I became socially aware when I was very young. I don't think I can change now, no matter how much people think I shouldn't let it bother me.
    I think my grocery spending is maybe a little higher, but I'm not spending on anything else at all ( there are so few transactions on my bank account now!) so am still better off and saving more than usual, ready for something lovely when this all gets better.

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    1. It is an interesting sign of the times that those making so little are keeping life afloat right now. If anyone denies we have a world economy, they are intentionally denying facts.

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  2. Our grocery spending is higher mainly because I am not doing the shopping (Bill is) and he is shopping 1 store versus the 3 or 4 that I would hit each shopping day. It is what it is. I am also supplementing with online finds for household, pet, and beauty supplies (ie. deodorant, shampoo) when needed. Trying to stay vigilant with our money.

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    1. It's just not worth bargain hunting. Make a list, and I am in and out. I don't deliberate or compare prices much as I'm not touching things if I'm not buying.

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  3. We made it through the week and I'm glad with all that went on. I'm staying on top of our bills too, so that is good. I'm glad you got to visit with your DD and even had the online meets with your families. :)

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    1. She's going to come over and work in the yard this weekend. We'll work in different areas. She needs the distraction living alone.

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  4. I'm actually spending less on grocery items. I generally only shopped loss leaders and stocked up. Now I am cashing in my investment, so to speak.
    I am really ready for things to return to normal. This is unsustainable. Of course, had we done this in late January, or even early February, we might be out of it by now...'nuff said. Your blog, not my soapbox.
    Today we have another birthday celebration. I took a pakage of New York strip steaks out of the freezer yesterday (They were $4.99/lb, so I splurged and bought two packages), and we will grill those. I'll serve a salad, and perhaps baked potatoes along side. (I may not want to have to keep an eye on the oven for those.) In a few minutes, I am going to shake myself into action, and bake a sour cream chocolate cake, with chocolate Marscapone frosting. I was going to bake a Bee Sting cake, but it calls for 6 eggs. I don't feel I have the luxury of using up that many eggs for a cake at this time.

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    1. While ore expensive, I've still been able to get a dozen a week. Of course with a small family, we don't have the considerations you have. I have a bag of flax seed I can use for baking as well, so I can bake away. The cake sounds terrific.

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  5. I'm glad you're getting a break from work.
    We're definitely spending less on groceries, we shop once a week, make a list and don't waste a scrap of food. In our normal life Jon is the driver and does the shopping and is easily tempted by snacks and special offers! xxx

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    1. Well, it's a break form the office, but I'm working between 55 and 60 hours a week from home. What I saved in commuting time seems to be added hours working re motley, but I a happy to be able to do so. We're using up everything we buy though, so am happy that we are less wasteful beings.

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  6. I'm spending more, as I find myself using our small town grocery more lately and they are higher priced. the price of eggs! oh my!

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  7. I thought I was winning, but it seems I am not, hopefully this next month will be better. Gas is really down here by more than .70 a gallon and even though we go to the grocery store much less is seems that the bills are higher. That may be becasue of our diet of fresh things for hubs diet. Either way I will spend more to get him to lose weight.

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  8. Sam, I was so impressed to read your comment on another blog questioning why someone would possibly go to a grocery store THREE times a week! It’s just irresponsible and selfish. The idea that you would only be putting yourself at risk is just ignorant and wrong. I feel heated on this subject as the attitude of sole during a world crisis just is mind boggling!!! Stay home!! Lol

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  9. Definitely spending more on groceries. But nothing is going to wast do hen this is over we should still be well stocked. My days haven't changed as I still report to work and do my thing. Traffic is lighter so that's a plus. He does all the shopping so I guess that's different. 1 day a week, gets all the errands done. Quiet weekends with no errands is a blessing

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