.: bistan.net :.

So far, 2010 has not been a great year . . .

In January:

• Kimberlie’s mother died

In February:

• Mackenzie gets kid-mono.  Between the two of us, we spent almost two weeks away from work, doing nothing but this:

  

In March:

• We went through a tough eating-out hiatus.
• T-ball.  Need I say more?

In April:

• Tristan learns to stick things where they don’t belong.
• Tristan has a major accident during a day trip.
• I went to the doctor (for the first time in 20 years).

In May:

• A house catastrophe.
• No raises at work.

In June:

• I ended up in 2 graduate classes during a 4-week summer semester.  Of course, I ended up with A’s, but it was a tough month.
• Mackenzie ended up sick (and very irritable) for half of our trip to Philadelphia.

And now, July:

• The cat chewed up my Macbook power cord.
• We lost our “free” cable and I my iPhone and digital camera went for a swim . . . in the same week.
• Ants seem to invade a different room of our house everyday.

Of course, there are things that have been happening (or not) all year:

• The stock market has really sucked for the last few months.
• I’m 31 and still not rich enough to retire.
• Publisher’s Clearinghouse still hasn’t knocked on my door.

Don’t get me wrong.  I still love my life.  But even number years just never work out for us.  2008 was equally as bad.  2007 and 2009 were fabulous.  Let’s hope I can make it through the next five months alive!

This has not been a good month for technology at my house.

A few weeks ago, I noticed that my Macbook would no longer charge.  Then I discovered that my cat had chewed through the power cord.  No biggie — I was a little ticked off (especially since this is not the first time that its happened), but I ordered a new one from Amazon.  Small setback.  Nothing major.

On Tuesday, I we discovered that we couldn’t channel surf past channel 20.  We technically only pay for channels 2 – 19 for a measly $16 a month.  A long long time ago, when we had high-speed internet installed, the tech “forgot” to put the trap back on.  The lack of this trap allowed us to go all the way up to channel 70.  That’s $52.00 worth of cable for $16.00 a month.  Do the math and that is $3168 for savings since we moved in.  Of course, we are very dependent on those upper channels — CNN and History for me, TLC and HGTV for Kimberlie, and of course, Disney for the kids.  Restricting us to local and public access channels really sucks!

We went tubing in Helen two years ago and had a great time.  This Saturday, we decided to do it again.  I wanted to take the small point & shoot camera and my beloved iPhone with me.  I knew it was risky so I took a ziplock bag to keep them safe.  On the way down the river, I took photos and tweeted and checked email and facebooked.  Everything went fine.  At the end, it was time to get out so I put the camera and phone in the bag and proceeded to get out of the tube and wade to the riverbank.  The water was only about a foot deep so I put the bag in my pocket.  All of a sudden, the river got really deep.  The water was so cold that I wasn’t concerned with my technology.  Somehow, the water seeped through the bag and ruined both: my $170 camera and my iPhone 3G.

Needless to say, this has not been a good month for technology in my house.  It looks like we will be going with Dish Network in the very near future to get our channels back.  And, since I’m eligible for an upgrade with AT&T, it looks like I’ll be getting the iPhone 4!  To cover the costs, I’m dropping my $30 data plan to a $15/month plan.  The only problem: there is a 3+ week wait to get the new phone.  I am about to lose my mind here!

You’ve probably seen the reports on tv about Coupon Queen, Coupon Mom, Southern Savers, etc. and how they play the drug store game to get tons of stuff for really cheap.  Those ladies should just hope that one day they are as good at it as I am.

Each Sunday, I wake up, grab the CVS ad and Sunday coupons, and map out my game plan.  I make it so that CVS pretty much pays me to take their junk.  What if CVS is out of something on my plan? No problem! There are 2 stores within 4 miles of my house and another 20+ stores within 15 miles of my house. 

I’m not one of those folks who usually blogs about how much I save, but this morning CVS paid me 3 cents to take a $10.00 razor, $4.00 to take $10.00 worth of body wash, and 55 cents to take $15.00 worth of cereal.

Over the past few weeks, we have gotten free deodorant, heat wraps, holiday stuff, toothbrushes and toothpaste, shampoo, expensive razors, body wash, feminine products, candy, cereal, air fresheners, and tons of other stuff.

We do use most of the stuff, but then some of it we don’t need, especially the soaps and shampoos, as evidenced in this previous post.  I don’t even know why I do it.  Maybe I’m addicted?  The razors in the center photo, for example, are some of the newest models out and retail from $10 – $15 each!

March is over and we didn’t eat out, except for the two exceptions noted in the original goal post: one trip to Chick-fil-A (because of the monthly calendar coupon), and free food at work.  Although I can’t quantify any health benefits of the hiatus, I can certainly quantify the financial aspects.

The difference in food expenses from 2009 to 2010: $549.78

Below is a screenshot from my (now obsolete) Microsoft Money report, comparing this March with last March.  You can clearly see, that in the Fast Food category, my expenditures dropped from $206.86 last year to only $19.30, which was the aforementioned Chick-fil-A transaction.  My Dining Out category, which is generally any restaurant food other than fast food went from $375.15 to Zero!

I didn’t have School Lunch expenses last year, because Tristan wasn’t yet in Kindergarten.  His food was built into day-care expenses for 2009.  As for the Misc for the month, that $7.00 went to a snack for Mackenzie at the ballpark and purchasing a bag of boiled peanuts to support a non-profit.

It is worth noting that for three days last March, we were at Walt Disney World, so the Dining Out expenses for 2009 may be a little higher than the typical month.  Even if I scratched out $50.00 due to the high cost of food at Disney, I still saved right at $500.00.  Imagine if we did that every month.  That would be an extra $6,000.00 in our pockets!

One thing that amazed me looking at the report was the negligible increase in Grocery expenses: only a $10.00 increase.  I guess I have been the coupon king lately, but I didn’t realize that it was paying off that much!  We haven’t been eating any differently.  On Sunday I grilled some steaks.  We’ve had fish several times this month and red meat about twice a week.  I’m not sure how the Grocery costs remained the same even though we ate many more meals at home.

In a previous post, I talked about our restaurant addiction and how we are giving it up for March.

I’m happy to report that today is day #27 and we are sticking with it.  We did use our Chic-fil-A mulligan on March 6 and I have been extremely creative at finding free food at work.

I failed at the no-Coke goal.  I have had three so far this month: one with the Chic-fil-A meal and one after each 12K that I ran.  I am happy to report that the last two didn’t even taste good.

(On a separately related goal, I have not posted a Facebook status update since February 28! That one was easy!)

I have tried to talk Kimberlie into calling this silly goal quits.  It’s not like we’re doing it for lent or anything worthwhile.  This morning we were at the Cherry Blossom Festival surrounded by fair-food.  It was horribly tempting.  Same story two weeks ago at the Forsythia Festival.  But, I think the hardest times though have been the nights where Tristan has games right after work and we don’t get home until 9pm.  Stopping at Zaxby’s would be so much more convenient.

This goal really was pretty silly.  We are not eating healthier.  We are still pressed for time when it comes to preparing meals, so unhealthy frozen foods have become a staple. Maybe that’s better than restaurant food, but probably not.

On a positive note, we have saved tons of money this month.  I was more than thrilled at my credit card statement.  We only have four more days.  I can’t possibly screw it up this late in the game.  The hardest decision . . . is where to go eat on April 1.

Our lives have been incredibly busy lately: work, school, t-ball, races, and lots more.  With all of those obligations competing for our time, it is so easy to just zip through the drive-thru instead of preparing a meal at home.  In the last week or so, we have been eating out several times a day.  On Saturday: chicken biscuits after the 5K. On Sunday: McDonalds after church, O’Charleys for dinner. We have been eating out literally every day. That puts a strain on our wallet — and our health.  So for the month of March, we have decided to abstain from eating out.

I have also tried to limit my soda consumption in the past.  Unfortunately, in our combo-centric world, it hasn’t been possible to do so while continuing to dine out.  Who is really going to buy the chicken sandwich combo and fill the cup up with water?  So to take the health thing one step further, I have personally chosen to not drink coke during March.

Here are the terms of the restrictions:

• When there are events at work that have food, it doesn’t count as “eating out” — even if the food is pizza, etc.
• There is one exception: we can eat at Chic-fil-A once (because we have the calendars with the monthly free item).
• I am not allowed to drink any coke, even at the events above. This does not apply to other family members.

Today is day four and it has been tough.  Really tough.  I can’t remember the last time I went four days without a french fry and I never noticed just how many fast food commercials there are on the radio.  Also, social activities in the south are centered around food, so pledging not to eat at restaurants are starting to affect social aspects of my life as well.  The lack of coke has affected my motivation and energy.  It makes running a lot tougher when you take away a primary energy source. I am glad, however, that the symptoms of caffiene withdrawal have passed.

Can I successfully make it through the next 27 days? Tune in and see.

Once again this year, I’m not making “resolutions”.  I do have several goals for the new year.

Fitness Related:

Run a half-marathon in less than 2 hours. (Let’s hope this happens on January 9!)

Reduce my 5K PR to 22 minutes.

Run 1000 miles in 2010.

Restart and actually complete hundredpushups.com.

Commit to and begin training to run (not run/walk) an entire marathon.

Drop my weight down to 160.

Eat out no more than once per week.

Finance Related:

Eat out no more than once per week (this falls under both).

Be completely debt free by 2011.

Work/School Related:

Take two masters degree classes each semester and stay on top of them.

Stop passing up greener pastures.

Home Related:

Spend more time teaching my kids things.

Get rid of more junk.

Computer Related:

Tweet more.

Blog more.

Facebook less.

I think that’s enough for now. I’ll try to revisit this post every few months to see how I’m doing.

Each Wednesday, Tristan brings home a folder from school.  It contains things like school work, behavior charts, PTA notices, notes from school, etc.  This past Wednesday, the folder included a request to “Help Light Someone’s Christmas”.  Basically, it’s the same concept as the Salvation Army’s angel tree: you sign up to purchase a gift for a specific amount and send the gift to the school.

Now we typically help various organizations, from giving in church to volunteering in various things, to sending canned goods to feed people who apparently only eat at Thanksgiving, to making donations, etc. Even with all of that, we have never received joy from giving.  In fact, we hate giving.  It’s like a chore.  We do it though for various reasons — whether political or religious or otherwise.  But because I love Heard Elementary School, I wanted to sign up immediately. 

Kimberlie tried to throttle me back.  We’re already room parents for Tristan’s class.  We donate classroom supplies and send paper money and sell wrapping paper and buy BBQ tickets and support the PTA, so I understood her concern. But being room parents, we’ve met all of Tristan’s classmates.  If there is someone in Tristan’s class, school, or our community who needs a token gift to improve their holiday season, I want to help.  I filled out the form and committed to purchasing a gift at the $15.00 level and returned the form. 

The next day, Kimberlie was picking up the kids from day care when Tristan handed her a paper light bulb.  It said “Jacket for a 6 year old girl, size 6/7″.  Her eyes teared up.  We don’t live in a wealthy community, but it is the suburbs and I never imagined that someone nearby might not even have a jacket.  We thought we were going to be purchasing a token gift for a child who might not have as many toys on Christmas morning as our kids, but instead, we were purchasing a necessity that in our household would never be considered a gift.  And so we were off — to find the perfect jacket!

Being the bargain-hunter than I am, we ended up with a $40.00 Old Navy jacket.  All of their outerwear was 50% off plus I used a 30% Stuff-n-Save discount to end up spending $14.00.  It could possibly end up being the nicest garment the unknown little girl owns.  Tristan’s birthday is coming up later this week and we actually enjoyed shopping for this unknown child more than we enjoyed shopping for our own child.  The jacket has already warmed our hearts — for the first time since I can remember, we feel good about giving.

Let’s hope the little girl can stay warm until Christmas!

We have a voluntary listserv at work called “Email shop”.  It’s basically an online yard sale.  You email the list to let them know what junk is in your trunk and what you want for it.  I’ve actually sold a doghouse, a camcorder, and a treadmill (before I started running — big mistake) on it.

Here are some samples of things that have come across today . . .

First:

“I bought my 2 ½ year old son a pair of cowboy boots at Circle M Western Store this past Saturday for his cowboy Halloween outfit, but later during the day found him a pair he liked better at another store. I went to take the boots back to Circle M but they would not refund my money, only give me a store credit that can only be used for 6 months. I have no need for these boots and they literally have never been worn and are still in the box/wrapping paper. All I am trying to do is get my money back, which is $45. Again, the boots are size 7/8 and they are really cute:  brown with stars on them and can be worn by a boy or a girl. Let me know if you are interested.

Thanks,

<name redacted>
Associate Director of Financial Planning
Mercer University”

Now there are several problems with this first message:

Her first mistake was spending $45 for a pair of boots for a Halloween outfit.  Her 2^nd mistake was letting a 2 1/2 year old son pick out another pair he liked better.  Mercer’s mistake was to let someone who spends $45 on a pair of boots for a Halloween outfit be the associate director of financial planning.  Tristan has never even had a pair of $45 shoes and would trick-or-treat barefoot before I would buy him a pair.  The shoes I’m wearing didn’t even cost that much.  Perhaps I could have made her some out of duct-tape.

Second post:

“Boy’s Chocolate Brown UGG boots Size 1 (excellent condition, paid $120 for them) – $50”

Size 1 – $120!  Do you know how fast a baby’s foot grows?  We have some really thrifty folks working at Mercer – they must make a lot more than I do!

When I was 18, it was cool to have a credit card.  Flashing that plastic was cool stuff.  Now that I’m 30, everyone I know has a credit card.  It’s just part of life.  Nothing special.  You would think that the days are gone where flashing the plastic impresses the chicks.

Not for me . . .

As any reader of this blog knows, I am a Disney Fanatic.  So naturally I jumped on getting a Disney Visa card when they debuted in 2003.  At least 1% of every purchase is returned in Disney rewards which are good for anything Disney.  Four years ago we spent a week at WDW for free and we went on a Disney cruise two years ago for nearly free.  And we bought Disney annual passes this year and paid for several nights at WDW with our rewards.  I put nearly everything on my Disney Visa (and yes, I pay it off immediately).

You can choose from about seven different card designs and for the last four or so years, I’ve had a Finding Nemo card.  Let me tell you that this card serves as an icebreaker with nearly everyone who I present it to for payment . . . especially hot chicks.

My coworkers couldn’t believe at first how fast I could melt a girl’s heart with my credit card.  Now, they just roll their eyes because they’ve seen it happen so much.  It’s unbelievable. Kimberlie didn’t notice as much at first, until I remarked one day that I should have had a Finding Nemo credit card before I got married.  It would have been so much easier finding girls.

When I’m paying for something with Kimberlie, the waitress/cashier/etc. aren’t usually as vocal about it, but they always mention it.  Some of them, however, could care less that my wife is with me.  Kimberlie used to get a little jealous, but now, she just rolls her eyes too because it happens so much.  Tonight, the very soft spoken waitress at Applebee’s returned my card, thanked us for dining with them, smiled, and quietly said, “Oh yeah, I like your Visa”.

So here’s a hint for all of the single guys out there: I’m happily married, but Nemo can have any chick he wants!