Showing posts with label money. Show all posts
Showing posts with label money. Show all posts

Sunday, July 12, 2009

Why I love CVS

If you're in a part of the country that doesn't have CVS, I'm sorry :-(

We needed a few things that you can get pretty much anywhere--laundry detergent, bar soap, paper plates, napkins. I really don't like Walmart and go there only as a last resort, even though it's 5 mins from my house, but Target is like 25 mins away, no joke. I also don't like buying things like that at the grocery store, because they jack up the prices on those things and I hate the grocery store to begin with. (One perk of an unemployed husband--he does the food shopping during the week day!)

As many of you probably know, years ago, CVS came out with those ExtraCare cards, giving you $$ off on purchases and money back in the form of coupons. I'd recently got a coupon for $10 off a $50 purchase, and an $8 coupon. Knowing that I needed those things mentioned above, I figured I'd get them at CVS (where they might be a little pricier than Target and probably less selection) but with the coupons, I'd probably come out OK. Plus CVS is also 5 mins from my house, so I'd save in gas, too. And I needed to pick up my RX for my allergy meds.

I grabbed my regular coupon folder before I left, and it's a good thing I did. Here's what happened when I went to CVS...

Laundry detergent--yeah, not as many varieties as Target, but we usually use Tide or Arm & Hammer. Also because we have to hike our stuff down to our complex's laundry room, we buy small bottles. I know, it's more money that way, but laundry is heavy enough! Tide was on sale for $5.99 (saving $3 from the usual price), plus I had a $1 off coupon for any sized Tide. Score!

Grabbed the paper plates and napkins--both were store brand, so pretty cheap. Got the soap, realized we also needed toothpaste. had a $1 off coupon for that too. Wasn't sure if I had enough to get me to the $50 mark (and I know, those coupons make you spend more so you think you're saving) so I grabbed a box of tissues, also store brand. I was on my way to the pharmacy counter, and walked by the contact solution that I use. It was $2.50 off for the twin pack, and I also had a soon-to-expire $3 off coupon. Grabbed that too!

Here's what my receipt ended up looking like:
  • RX item 10.00
  • contact stuff 14.99 (saved 2.50)
  • Tide 5.99 (saved 3.00)
  • toothpaste 5.99
  • napkins 3.49
  • paper plates 3.99
  • tissues 1.99
  • soap 7.99
Then the coupons!
  • -1.00
  • -1.00
  • -3.00
  • -10.00 (I only used the one CVS coupon, decided to save the $8 one for another purchase, it was good through the end of August)
Total, after sales tax = $40.76, saving $20.50!!!!!!!!

It was like getting my prescription, the tissues, and the soap for free, lol. I LOVE when I do stuff like this. I'm such a dork, that's why I had to share with you all. I'm also proud of myself for no impulse purchases, like a magazine or some gum or whatever. And the best part, I got another coupon for another $2 off a future purchase. Score!

Friday, December 26, 2008

I think I am one of the working poor.

And it sucks. I really think the middle class is now the working poor. Or something. I might be over-dramatizing this, but sheesh.

I make an "OK" salary I guess (a little over $37K), but I wish I was paid more. I know, we all wish that. I dunno, I just feel like I worked hard throughout my life and went to a great school and all of that. Maybe this is a little bit of the entitlement monster sneaking out? When I started at my current job 2 years ago, I started out at $28K, so I guess increasing my salary by 9K in 2 yrs is pretty good? I don't know much about these things--salaries, getting paid what you should be getting, etc.

What bothers me mostly is after health insurance comes out, and taxes, and the bills are paid, there is very little for savings or fun/leisure. So I spend my free time doing things like cleaning and laundry and all of that...and then I stress because I never have any time for exploring my hobbies or interests. Or hell, even just sitting at the kitchen table staring into space.

Wait, I'm writing this blog entry, so it's not like I live a life of complete drudgery, lol.

And we have no debt, or crazy bills to pay--this is important to remember. But still, I just feel that things that could make my life easier are not possible. That we'll never be ahead, and I'll just go from work to chores at home and back to work.

Our bills are pretty straightforward, too:
  • rent
  • phone/cell/internet
  • electric (which includes heat)
  • cable (we have a pretty cheap plan, too...not the cheapest, though, ha)
  • gym memberships
  • food
  • gas
  • the random things needed at Target, Walmart, CVS
  • copays for dr's visits and RX's
  • and then the bills that come every so often, like car taxes or car insurance
I am happy that I don't have to write things like: student loans or credit card X, Y, AND Z...but it would be nice to have more to show for me doing "the right thing" you know?

I have thought about going back to school...because a lot of times you have to go back to school to earn more money...but I'm not sure what I'd go back for, nor am I sure that it would equal more money. Unless I changed fields 100% and you never know if you'll have to start out at a super low salary. I don't want to go backwards!!!!

In a perfect world, I'd love to have a cleaning person and a laundry person...then I could spend my free time doing FUN things! There is no perfect world though.

I think I'd feel better if this apartment were a bit bigger or if we didn't have so much stuff and few places to put it all...maybe I'd feel a bit more proactive about taking care of our space, or that it wouldn't look so packed. I'm actually embarrassed to have people over, because we have things everywhere...there's no place to put them all. Wedding gifts in the kitchen still, fishing rods in the half bath so the cats won't get to them, snow shovels by the door....argh!

Monday, September 15, 2008

I'm still alive!

I've probably mentioned this before, but everything at work that's good, is blocked. No facebook, no myspace, no blogger, no message boards (for the most part)...not even food network! Seriously! It's crazy.

At home, I've been busy trying to relax and enjoy my down time and spend time with my husband. Work is always nutty, but I have been trying to dial it down a notch and NOT give it my all. Maybe then they'll see that I wasn't messing around and that I do need help with the work load.

Anyway, today I called in sick because of some issues that DH and I had. Not between us, thank God, this was something to do with the little bastard known as the stock market. See, DH was in a bad accident a few years ago, got a nice settlement from the person who injured him, and this money is in a structured settlement thingy (for lack of a better word, haha) with one of the big companies in the news these days. We were up all night, very upset, freaking out. As he's still unemployed, the monthly checks from this settlement were helping us get by. If that money suddenly disappeared, we'd be in BIG trouble. My salary cannot and would not support two people.

After a frantic call this morning to DH's lawyer, we quickly learned that all would be OK. PHEW! Now, for him to get a job...but that is out of our hands as well. Lots of interviews, no bites. It's upsetting. For him--he feels like a failure, he's bored, he feels like he'll never get anywhere in his career. For me--I want him to be doing something, so he doesn't feel like crap, and I get a bit jealous and resentful b/c he can stay home. For us--he feels like a bad husband, and I just hate being the sole breadwinner and the one who is responsible for everything right now. This has taken a toll on the both of us...and for it to happen during the first year of marriage, it sucks even more.

A lot of people like to weigh in on this, giving me advice. Until you have been there, it's hard to give REALLY sound advice. It's easy to say "oh try XYZ company" or "has he thought about just doing some part time retail job?" The economy sucks, people.

Here are some funny exchanges with people about my DH's job stuff...

Bossman: How's the job search going?
Me: Oh fine, thanks for asking...it's going.
Bossman: (incredulously) You aren't nagging at him?!?!
Me: Uhhh no...I can't make people hire him.
Boss: Oh...wow...well (mutters something)

Are you SERIOUS??? As if me nagging would help him to find a job, or get someone to higher him faster? It doesn't work like that, buddy.

My mom: What would (DH) like for his birthday?
Me: A job.
Mom: No, seriously.
Me: I AM serious. He doesn't need anything else.

C'mon mom, you know me (and him) better than this!


I actually had to tell a friend of mine last week that as much as I appreciated her concern, I didn't want to talk to her about DH's job stuff anymore. It was like every time she contacted me, the first thing she'd ask was "So how's the job search?"

SHUT UP. PLEASE.

Now I know how women who have issues getting pregnant feel when every time they talk to someone, all they want to do is talk babies. It hurts. It's annoying. It makes you angry. It makes you feel guilty, like you have to cover for your husband, so people don't think he's a slacker or lazy. Or unmotivated.

I try not to take people's suggestions/comments *too* personally, but it's hard. My husband is my family and if you say something about him, it hurts me too.

Grrr, I just wish there was a way out of this.