Saturday, June 27, 2015

Hoarding vs Stockpiling

I heard an interesting podcast this morning about hoarding.  It got me to thinking.  Where exactly is the line between stockpiling and hoarding?  When do we step over that line or is there a line?

I, like many, watched the Extreme Couponing shows on TLC when they were on.  Truth be told I still watch them!  LOL But many of these people I think are hoarders.  No one needs 800 razors or bottles of Gatorade or mustard or whatever.......................To be fair maybe they donated items to food banks or places that assist the disadvantaged but I really think that many of these folks love to have these huge stockpiles.

I think we all should stockpile items that we use regularly at the best prices we can find.  Seems simple enough.  What we each stockpile is up to us as we all have different tastes and likes and needs.  I believe it turns to hoarding when we continue to build that stockpile to unusable limits, like they will go bad before we can use them.  Now cleaning stuff won't go bad but do I need to have a hundred bottles?  The podcast also spoke of hoarding when we are so preoccupied with money that we agonize over every cent, wanting to have more and more and not willing to help others in their need.   Some blogs I enjoy reading are prepper style blogs and they post about being prepared for the worst and how they would not help others (folks who did nothing to prepare themselves)  if the worst happened.  They say will do anything to protect what they have stockpiled from looters.  I don't know if it will come to that but it does give me something to think about.

So I still think that the line between the two is different for all of us.  I may think you are a hoarder when in reality you aren't or vice versa.

Having huge pantries have saved many a folk when someone lost their job or they had an unexpected expense that drained their emergency fund.  That is NOT an example of hoarding in my humble opinion.
 
I like to keep tomato items in stock like Rotel or the generic equivalent, pasta sauce, pasta, cheese, cheese and more cheese, butter, meats when they are a good sale.  BTW, meats are harder to get at good prices these days along with eggs!

I'm going to start buying some gallons of water as well.  Kind of prepping/stockpiling in one!  To that end I think it wise to have candles, oil lamps, and extra batteries.  Oh the list can go on and on.

Here is a photo of my pantry.  It is quite small, really only one closet so I don't have alot of room.  Sluggy had a great post on what she stockpiles.  She gets amazing deals on so many things, it makes my head spin.   One of my favorite bloggers, Brenda even has a hospitality pantry in which she stockpiles items such as coffee, tea, hot cocoa, Pepperidge Farms Cookies and various treats to serve to family and friends.  Brenda lives on a majorly small budget but still loves beauty and bounty and sharing what she can.  That is what I aspire to be!


Friday, June 26, 2015

What Would You Do With an Extra $170 a Month

Found out today that I will be getting an extra $170.00 a month.  $85.00 semi monthly.  Would you put the $$ towards debt or savings or both?  Our savings is woeful but I'd also love to put more towards debt.  I figure some of you frugal gurus would have some opinions.  I'm kind of leaning towards putting it all in savings until I reach a certain amount then put towards debt.  What say you?

Tuesday, June 23, 2015

Your Thoughts on Dave Ramsey

I listen to Dave regularly and I enjoy his show and for the most part I agree with him.  Having said that I am wondering how his plan will work if there is an economic downturn later on this year.  Let me explain.  I agree with getting out of debt but I think we need WAY more than $1000.00 in an emergency fund.  If the economy tanks again and you lose your job $1000 won't get you much.  Do you agree with putting every available penny to debt?  I think I am in the middle, put more than the minimum to debt PLUS put money in savings as well.  If you put all of your money to debt then you won't have an emergency fund and you will have to use credit when an emergency happens.  See where I am going here?

Where do you stand?  There is no right or wrong here because everyone's situation is different.

Thanks!

Sunday, June 21, 2015

Expensive Eggs

Hubby comes back from Kroger stating eggs are $2.75 a dozen. Good grief. That's quite the hike. What is the price of eggs in your area?

Friday, June 19, 2015

A Hit to the Budget

In my last post I mentioned stocking up on medications. Well I went to my dermatologist office earlier because my rosacea is getting worse. Much worse. My skincare routine is going to get more complicated and expensive.  Bummer. I may have to use prescription shampoo and conditioner. What what?  And it seems to be affecting my eyes. Glory Be!!so this could possibly throw a monkey wrench in my money plans. Some may say that it's only my skin don't be so prideful. But I look horrible and hearing about my eyes brings a whole new dimension. Oh well...it's not the end of the world. Just annoying.

Here is a photo of the samples I got today.

I went on a message board and one person said that one tube of the new prescription is $313!!!  Oh my goodness.

Post Vacation Thoughts

Well we are back in North Carolina.  So glad.  Don't get me wrong I love to travel in Pennsylvania.  The rural parts are gorgeous and like stated earlier we love Gettysburg but having said that....just like Dorothy says "there's no place like home".  We had a strong thunderstorm last night and it was lovely.  I kept hearing people complaining about the heat when we were in PA but it was 12-15 degrees hotter here.  We enjoyed the "cool" while we could.  LOL

Well...............was our vacation frugal/cheap?  Nope not one bit but......drumroll please we did not charge it.  That is not entirely true, we did charge for the bed and breakfast but I have the money saved to pay for it.  My husband wants to go somewhere tropical next year, think Virgin Islands or the Caymans tropical.  That will require saving a LOT of dinero.  We will get started on that at the end of this month when we get paid.

Now...........on to somewhat depressing stuff.  I keep hearing about an "looming" economic downturn later on this year.  Do you think we will have one?  I heard folks that are not the doom and gloom types speak of this downturn as well.  If you do think it is imminent what steps are you taking or have taken to either not feel it or to at least lessen the effects?  One of the men I listen to said to give generously, spend wisely and save as much as you can.  Others recommend to not spend ANYTHING that is NOT a necessity now so that you will have the extra funds in case you lose your job, your wages are cut, you experience an illness or anything that causes your funds to be in question.  There are 2 blogs I really like : aworkingpantry.blogspot.com and coffeeteabooksandme.blogspot. Both of these deal with the obvious-preparing and stocking your pantry.  Brenda at coffeeteabooksandme.blogspot.com speaks from personal experience of living on less, way way less.  Come to think of it Patsy does as well.  They don't come from the perspective of choosing to live on less but having to live on less and trust me there is a huge difference.  If you've never read their blogs I highly recommend  you give them a try.  I think you will like them.

Well it's off to a doctor appointment.  BTW-do you stock up on medications?  That is something I will be doing to prepare.

Have a great day!

Wednesday, June 17, 2015

Da 'Burg

Gettysburg. We've been 3 times now. We don't see us coming back again. I would love to know if any of the park guides are from the South. Some of the remarks the tour guides have said over the years are a bit much. But we've enjoyed them nonetheless. 

I wish the tour stopped at the North Carolina monument. It's really beautiful. We've seen it before. We went to a talk about what the average soldier wore and carried. I can't imagine what they went through. A wool uniform in the middle of summer. Oh my!!  The food they ate. Gross. We were told that 3/4 of soldiers died from illness. Overall a really good visit. 





Tuesday, June 16, 2015

Calorific Day

So far we've snacked our way through Lititz. We toured the first pretzel bakery in the US and then the Wilbur Chocolate factory. It's been quite the tasty start to the day. Of course I did purchase a few items. After all we are vacationing. 

Notice my horrible attempt on making a pretzel. It was quite ugly but we had a good time. 

Wilbur buds are very tasty. I bought some of the milk chocolate ones and some Wilbur cocoa.  The Wilbur bud looks a lot like the Hershey kiss. We were told that Hershey took advantage of Wilbur. 

Lititz Pennsylvania is really quaint and pretty. Everyone we've met has been nice. I can't put a finger on it though. It looks very posh but then other areas look blue collar. If I lived here I think I'd be in the blue collar crowd. I get a little antsy when things are too fancy if you know what I mean. 

I loved driving in Intercourse, Bird in Hand, Strasberg and other places. It's gorgeous. For sure I think I could live simpler but I'd have to have air conditioning.  

This trip is showing me more of what I want. What I want my home to look like. We met some interesting folks at the BnB. Some people have really interesting hobbies and interests. 

I'm looking forward to how I incorporate what I'm learning into my life. Should be very interesting. Doing this frugally will be the quite the challenge. 




Monday, June 15, 2015

A Few Pics of our Day Today

So we are visiting Lancaster PA. Here are a few pics of today's action. 








Sunday, June 14, 2015

Holy Turnpike Fee Batman!

I told my husband to take a ticket at the Pennsylvania Turnpike. He says no back home they take a picture of your license plate and send you a bill. Well tell that to the lady in the booth!!  We ended paying $27.50. Boo hiss. 

Saturday, June 13, 2015

Vacation

So our vacation this summer is fully funded by my savings these past few months.  Most of the time I did not notice the "missing' funds but sometimes I did.  To be honest a couple of times I raided that fund to help with something else but I have a tad under $1300.00 saved up for our trip.

I know that many financial bloggers suggest to not take vacations is you are in debt but we need a vacation.  Maybe we could go cheaper?  Sure!  But this is what we've chosen to do and have the $$$ to pay for it.

How do you handle vacations?