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~January No-Spend Challenge~ We're at the finish line! How did you do? What will you do... - Page 40

post #781 of 784
I got the flu the latter half of the month and fell out of it. I need to be better at coming online daily and updating my queue and write more specific goals for next month.
post #782 of 784
1:
2: $164 groceries. This was our big trip for the month and was actually done on Dec 31, but since it was for this month I put it here.
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7: $84 on groceries. I also bought new winter boots with a Christmas gift card, and $50 in groceries on top of what I have listed with a gift certificate. (And I found ground beef for $0.49/lb! I was so excited! I bought 48 lbs!) $25 sitter.
8: $78 groceries & kid clothes & printer paper; : $4 treats I didn't need
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21: $187 groceries
22: $5 postage
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26: $8 outing with the kids :
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30: $24 groceries (well, it came to $54, but I used $30 worth of points on my store card)
31: :

no spend:
budgeted spend:
unnecessary spend: :
no drive: :

Household spending: $579/$600
No-spend days: 23/18

Woot! This was a good month for me. A good chunk of my spending (which I didn't include in my total) was with gift cards or store credit, though. Also, dh took the kids skating on the 31st, which meant buying 3 pairs of used skates. I didn't include that since I didn't spend it, and I don't know how much it was.

Near the end of the month, I was planning my grocery list and estimating the total, which I don't normally do. I think I'll try doing that each time now, it helped me keep my spending in check while I was filling my cart.
post #783 of 784
January was my first month of seriously keeping track of what I spent for the entire month. When I was trying to keep track in a notebook, I never kept up with it. So, the first thing I did right was to join this forum!

I overbudgeted on groceries and gas by quite a bit, mainly because Jan. was my first month in a long time to not work FT. I reduced my Feb. grocery and gas budget now that I have a better idea of how much less I drive, depend on convenience foods, etc when not working all the time.

DH and I had a good discussion yesterday re: refinancing our home this spring. He will be putting the last $1K on his credit card this month, which will leave us with only mortgage debt... yay! He wants to use what he was paying toward credit cards each month to put some big overpayments on the mortgage principal for a few months before we refi, but hopefully we will be able to refi by May-ish.

This month I want to continue to cook from scratch when possible, meal plan better, etc. My main weaknesses for unplanned spending seem to be used books, so I will steer clear of Paperback Swap (pd $40 in postage last month!) and Amazon. I added categories for kids' clothing and homeschooling materials, so that I can buy those things in the thrift store without feeling like I'm going outside of my budget.

Also, yay for the cash envelope system! Works great for me.
post #784 of 784
Jan 1st: $26 Fast Food, $4 Clothing, $130 Groceries
2nd: $6 fast food, $2 groceries, $1 book for DD
3rd, 4th, 5th, and 6th: No spend FINALLY!
7th: $11.50 Fast Food, $61 Groceries, $1 Clothing (onesie for baby due in August. )
8th: No spend
9th: $75.16, Amazon, homeschool supplies (budgeted) $3 Fast Food
10th: No spend
11th: $10 Fast Food, $5 homeschool stuff
12th: $38 Groceries, $10 Fast Food, $2 Homeschool
13: $7 Fast Food
14th, 15th: no spend
16th: No spend
17th: $47 Groceries, $30 Chuck-E-Cheese (Hubby's "free" money)
18th and 19th: No spend
20th: Personal Care Groceries (Dipes, wipes, TP, paper towels) $77.50 Food Groceries: $88, Homeschool $26, Clothing $16, Fast Food $26, Christmas $6
21st-24th: No spend!
25th: $13 Fast Food, $260, Grass fed Beef for Feb-July
26th: $7 Fast Food, $30 Groceries, $20 "Hospitality"
29th: $40, homeschool, 20 household groceries, 20 clothing
$62 food groceries



Totals:
$ 119.50 on Fast Food YIKES
$463 Food Groceries
$97.50 Personal Care Groceries (TP, Wipes, Dipes)
$41 on Clothing
$20 Hospitality
$150 on Homeschool
$6 Christmas 2009
$30 Chuck-E-Cheese (family fun )
$143 co-op food for Dec-Feb.
$260 Beef
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Mothering › Mothering Forums › Natural Living › The Mindful Home › Frugality & Finances › ~January No-Spend Challenge~ We're at the finish line! How did you do? What will you do differently next month? Analysis time...