The Year of Living Frugally – Smoking

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Yes, we were avoiding the elephant in the room, but decided that our August vacation was the end of smoking – it’s now been a month so we are counting it as official.  I’d love to say there was some special method, but we basically picked up a couple of boxes of Chantix with the intention of using it to curb the craving.  After a week taking it, we had no interest in smoking and once we got back from vacation, we dropped that too.  I suppose I should subtract the wasted $100 prescription from the total, but I think it is more than offset by the additional state and federal cigarette taxes we’re now avoiding.
 
August Savings Total – $4992/year (2 cartons per week at $48/carton)
Cumulative Savings Total – $7002/year ($374 ahead of $500/mo goal)
Remaing Savings Towards Goal – ($1002)
 
Goal met with months to spare, LOL!  That said, car insurance is next and our newest goal is to reduce our monthly grocery bill to $500/month.  I also need to go back and blog the missed months as well as a summary.

9/11/2001 – Rest in Peace

I was on a business trip and asleep in my hotel room in Redmond WA when the phone rang and my (now) ex-husband told me to turn on CNN.  I remember seeing the second plane strike the towers, commenting that it was an amazing simulation before I realized it was real.  Everyone was glued to computer and TV screens, one of my best friends called me after she had run from a meeting at the Pentagon when it was struck.  My hotel extended my stay without my asking (I spent a lot of time there back then), USAir had already rebooked me by the time I thought to call.  Rental cars were in short supply as people joined with strangers to drive cross country to get home.  It was one of the first topics in this blog back in August 2006.
 
We were stunned.  It was a moment of truth.
 
246 died on the four planes
2,603 in New York City
125 at the Pentagon
 
411 emergency responders died in the rescue and recovery efforts.

$2.50 – You Have To Be Kidding Me!

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So I go online to pay my “middle of the month” bills – utilities, internet, phone, etc.  I had a very pleasant surprise earlier in the month when the gas company (love my natural gas) DROPPED my EPP (Equal Payment Plan – same amount every month) by $80.  Sweet – $960 instant and unexpected savings.  Flush with enthusiasm and windfall, I hit the local government site to pay my water, sewer and power – something I’ve been doing online since the first month the City added online billing.  Love it.  Until…. a new $2.50 “convenience fee”.
 
What effing convenience?  The fact that the City conveniently doesn’t need to hire people to stand around and wait for other people to wander in and pay a bill?  That credit cards are instant payment – no “will the check clear” worries.  That people can pay over the weekend, no receipts need printing (good for the planet too), more accurate – nothing but good news in this move.  But wait – since when do I have to *pay extra* for an already cost-cutting measure?  Don’t get me wrong, I expect to be picked apart like a pile of (taxable) guts in the desert, but good grief… a deuce and a half is just petty even for a cash starved government cow.  Not gonna do it – gonna walk down the few blocks to Public Works and pay in person.  I just have to decide if I want to use a check that will take days to clear or loose change…
 
Speaking of cows… the polar caps on Mars are receding.  Melting.  Getting smaller.  Warming even.  (This is nothing new but still one of the reasons we love NASA.)
 
Wonder if that’s the cows or the cars causing that Martian Warming…

The Year of Living Frugally – Cable TV (Pt. 2)

Well, looks like as much as DirecTV claims to want us back (yes, I had DirecTV, so pay close attention with that in mind) they really don’t.  Installer comes out, we point to the DirecTV dish that is already on the roof.  He tells us they don’t do roofs.  Or ladders.  Tells us to call DirecTV back and ask for an independent contractor.  So we do.  He walks around the yard waving his signal detector and announces we can’t get signal on the ground (yes, that’s why the DISH WE HAVE is on the side of the house).  They don’t go on roofs, they need to put a pole in the yard.  In a historic district.  Uh, nope.
 
I get home and call DirecTV to discover the installer has cancelled my account.  Nuff said.  Still cancelling cable at the end of the month – interesting that, in this economy, Time Warner doesn’t care enough about their customers to give them the rate that service swappers get and DirecTV only wants to install on poles and apartment balconies.  Maybe it’s time to get some rabbit ears…

The Year of Living Frugally – Cell Phones (Pt. 2)

Wow, cell phone plans, no matter the type, make the tax code look simple.   So, what’s important in looking at cell phone plans – quality of service, calling patterns and number of phones.  Currently, we have about the best plan we can get on a monthly with rollover and three phones, but it’s costing us $75/mo and we never use the (550) shared minutes.  And a lot of our calls could really be made from a land line.  So, currently we spend $900/yr. and use about 2400 minutes per year among the three of us.  We looked at a lot of different plans – none of the monthly plans helped us out at all.  We had pamphlets and brochures everywhere, sorting through the various plans as well as checking cellular comparison sites on the web.  I personally recommend www.myrateplan.com for comparing prepay and pay-as-you-go options and www.point.com for shared monthly plans. 
 
Alltel, GoPhone (AT&T), TracFone, Net10, Virgin – we sifted and sorted and Net10 came up looking pretty good at $15/mo, especially when you add in the phones running about $30 each (lowest price flip phone – one of our requirements).  Initial cost – $90 for 300 minutes per phone for 60 days or $45/mo with the phones included.  Texting is a nickel per text, making it cheaper than calling for information only messages like "Practice has been moved to the other field and is ending at 8:30 tonight" (the heir will be thrilled).  There were plans that looked like they would be cheaper, but we didn’t want to be worrying about call days plus call times plus service dates plus and so on and so forth.  Net10 pretty much boils down to a dime a minute and a nickel per text.  The minutes expire yes, and are higher than we supposedly use now, but without a mobile to mobile, that seems like a reasonable safety net.
 
I should also mention an expense this time around – we purchased a new phone and answering machine system for home since a land line was one of our requirements for dropping monthly cell service.  Checking Best Buy first we found a nice set of AT&T phones, 3 cordless handsets and base stations for $130.  Looked good until we found the identical (down to the model number) set at Target for $90.  This was an intended purchase; while the old phone and answering machine worked fine, the cordless battery was past redemption and we couldn’t find a replacement.
 

April Savings Total – $360/year, added texting option, new phones included
Cumulative Savings Total – $2010/year ($10 ahead of $500/mo goal)
Remaing Savings Towards Goal – $3990