~June No-Spend Challenge~ We're tracking our spending and saving money! - Page 15

[PlayaMama]

expected expenses:
shipping for mrh 60.00
shipping for gp, soleo, spry 10.00

600.00/600 groceries
142.82/100 pantry stocking
99.25/60 spending money
80/80 sundry

16/20 no spend days
10/10 budgeted spend
3/0 non-budgeted spend!!!!

1- 8.82 shipping kk
2- 30.00 lunch, groceries
3-
4- 106.50 maple syrup 50 pantry 56.50 groceries
5- 20.95 shipping mrh spending money, 34.50 phone card sundry, 10.00 groceries
6-
7- 17.10 shipping old co-op order spending money, 97.29 groceries
8- 45.30 mrh groceries
9-
10-
11-
12- 45.00 eating out
13-
14-
15-
16-
17- 255.13 azure 91.70 klean kanteen
18-
19-
20- 3.14 shipping co-op 2.99 shipping co-op
21-
22-
23- 30.00 eating out, 20.00 raw goat milk
24- 85.00 raw milk and beef
25-
26-
27- shipping maple syrup 48.60
28-
29-

june 76.70 17
may 181.46 18
april 358.07 19
march 517.18 17

[Purple*Lotus]

June 1st: :
June 2nd
June 3rd :
June 4th
June 5th : $5.78 at Taco Bell
June 6th
June 7th : $15.90 at Big Lots. I got a CD holder for work to organize the tons of games and cds we have for the kids. Not a needed item, though.
June 8th
June 9th
June 10th : 4 perfectly good dollars wasted on junk food.
June 11th
June 12th : $52 spent at a local Greek Food Festival. Expensive, yet very yummy
June 13th until we get the doctor bill :
June 14th
June 15th
June 16th
June 17th
June 18th
June 19th
June 20th
June 21st
June 22nd
June 23rd
June 24th
June 25th
June 26th Dinner out for my birthday $60
June 27th Chinese food $26
June 28th
June 29th : I spent today. $3.15 at Wendy's. Tomorrow is my birthday! :
June 30th My birthday!

My Key:
= no spend day- does not count budgeted items like bills for rent, water, etc.

[dsaucone]

I want to save more than I spend.

1 $34.25
2 4.50
3 $6
4 $17 $8 Copies $.75
5 $5 $25 $75
6 $20
7 $5
8 $4.50
9 $5
10
11 $3
12 $88 $15Video Game DH
13 $10
14 $36
15 $15
16 $15 dad
17 $8
18
19 $85 $28 $28
20 $3
21 $3
22 $4 coffee at work. really???
23 I'm just going to erase this day from my mind
24
25 $5
26 $19 $73 $28
27 ice cream treat for me and dd $5 date night for me and dh $54 $20 $10
28
29 $5
30 Preemptive!

:Savings $150/$500

Gas/Car $134 Food/Household $390
Entertainment $83 $15
Eating Out $130

[Alyantavid]

Totally overshot my groceries this month.

1-$0
2-$8.68 dinner out
3-$54.70 groceries
4-$67.55 food for dh's weekend trip, $47.49 groceries, $10.26 dinner out
5-$0
6-$0
7-$12.47 misc
8-$0
9-$0
10-payday $13.95 groceries
11-$9.74 lunch out
12-payday $400 dh's class, $45.32 groceries, $15.05 dinner out
13-$0
14-$0
15-$0
16-$0
17-$18.25 dinner out
18-$87.84 groceries
19-$36 clothes, $76.21 groceries & misc
20-$0
21-$0
22-$0
23-$0
24-payday $92.31 groceries
25-$9.79 grocery, $53.17 food for a party
26-payday $14.48 lunch out, $58.99 parts
27-$0
28-$0
29-$0
30-$0

Groceries - $413.66/$300

[Amys1st]

I am Amy, sah mom to my 2 girls. We carry no debt. I do these challenges here and there when I need to plan forward such as this month. Since we are coming out of May and June is a quiet month, its a great time to save. We are redoing our master bath in July as well.

Planned spending:

groceries: 555.86/550 is my goal this month

farmer's market: $20 a week. Its in my neighborhood, I want to keep our businesses nearby, so I am doing this each and every week.
Farmers market $66.25/$100 for June

fun money: $25 a week. This is for lunches again in my neighborhood, ice cream store etc. When I buy from the local people, 70% of my money goes back into my town, when I buy from the big box maybe 10% does.
Fun Money 88.99/100 for the month

Key
: no spending
planned spending or fun/farmers market money
: ate what we had on hand or from grocery run
: no car day only walked or biked or public transit


1 ::
2 : : $18/100 for farmers' market
3 : produce/dairy delivery 36.28/550 $18.34/100 fun money
4 ::
5 get paid, mortgage and mc due paid bill/ fun money-3.39 + 13.25 at a yard sale so 34.98/100
6 :: : $20 for fundraising but going to a crop.
7 groceries- $64.30 = 100.58/550 for the month $6 dd's allowance
8 groceries $17.71= 118.29/550
9 farmers market and fun money
10 ::
11 ::
12
13 ::
14 ::
15 ::
16 target run: $50.02 to grocery and supplies; fun money $22.25; farmers market $17.75
17 ::
18 grocerys for party plus a few supplies= 89.65
19 gifts for several bday parties- $74. 2 webkinz (allowance and fun money) $26/pay day
20 take out thai= $30.40. Very yummy and a good treat since we do that not too often.
21 $10 church.
22 Grocery-87.99/fun money $5.76
23 $10 farmers market
24 Aldi/Tjs run and veggie delivery-=105.83
25 $16 for gift
26 $36 for 2 pairs of shorts- one for me, another for DH. Need badly! $25.02 gas
27
28 DH suprised me w date night! out to eat
29 grocery run- $23.03
30 farmers market $20[/QUOTE]

So $5 over my grocery budget so I am right to keep it about $550 for grocery and supplies etc.
It was either raining or hot hot hot on farmers market days so $40 less than I thought but we went out to eat etc, so it covered it!

[Amys1st]

Dont forget to post a month end! :

[Purple*Lotus]

Well things are not going well at work. It seems like the boss is thinking about laying off some people. I am probably one of them since I am new. I am worried. I am trying not to panic but I am totally in panic mode right now. What a bizarre birthday.

[dsaucone]

I want to save more than I spend.

1 $34.25
2 4.50
3 $6
4 $17 $8 Copies $.75
5 $5 $25 $75
6 $20
7 $5
8 $4.50
9 $5
10
11 $3
12 $88 $15Video Game DH
13 $10
14 $36
15 $15
16 $15 dad
17 $8
18
19 $85 $28 $28
20 $3
21 $3
22 $4 coffee at work. really???
23 I'm just going to erase this day from my mind
24
25 $5
26 $19 $73 $28
27 ice cream treat for me and dd $5 date night for me and dh $54 $20 $10
28
29 $5
30 Preemptive!

:Savings $150/$500

Gas/Car $134 Food/Household $390
Entertainment $83 $15
Eating Out $130

The savings kind of sucked this month.
If I can get rid of the eating out, most of which was done at work with that stupid badge, then I can accept the rise in money. I managed to do it today and I'm going to manage tomorrow as well! I'm going for a no charge to the badge at work month! Wahoo! I also picked up another shift at work this week so that'll be extra money. July looks good! :

[scrapadoozer]

Originally Posted by Bunnyflakes

Well things are not going well at work. It seems like the boss is thinking about laying off some people. I am probably one of them since I am new. I am worried. I am trying not to panic but I am totally in panic mode right now. What a bizarre birthday.

I'm sorry! I hope you don't get laid off.

[scrapadoozer]

06/01:
06/02:
06/03:
06/04:
06/05:
06/06: $20 Yard sales.
06/07:
06/08:
06/09: $2 onesie & elastic
06/10:
06/11:
06/12: $2 stop for drinks on our walk.
06/13: $7.50 yard sales
06/14:
06/15:
06/16:
06/17: $4.50 Inflatable pool for ds
06/18:
06/19:
06/20: $19 Chinese food, $23 clothes for ds.
06/21:
06/22:
06/23:
06/24:
06/25:
06/26: $10 pool float.
06/27: $24 Chinese Food
06/28:
06/29:
06/30:

Goals:
22/20 No spend days.
$111/$100 Frivolous spending. :
6/6 Diapers sewn from stash fabric & supplies.

[Crunchy*VT*Mom]

Originally Posted by Bunnyflakes

Well things are not going well at work. It seems like the boss is thinking about laying off some people. I am probably one of them since I am new. I am worried. I am trying not to panic but I am totally in panic mode right now. What a bizarre birthday.

I hope you are not one of the ones your boss is thinking of.

[Crunchy*VT*Mom]

made the switch to cloth dipes for two babies

Yeah Amanda! That will save you some money over the long haul...especially with two of them!

[Crunchy*VT*Mom]

I'm missing a few days in my tally, but that is because I'm working on my internet addiction and I don't have internet access during the day anymore.

But I'm still tracking and I'll be going strong in July.

01..
02.. $67 toys and a fancy dress for youngest DD
03.. $7 cake for scrapbook night
04.. , :
05.. $11 Wendy's, then later $20 on pizza
06.. $126 Garage Sales
07.. $42 Scrapbook stuff, curtain tie-backs
08.. $14 diapers
09..
10..
11..
12..
13.. $40 haircut
14..
15.. $9 McDonald's
16.. $30 flowers...for myself
17..
18..
19..
20..
21.. $82 bras, $5 fancy drink at health food store
22..
23..
24.. $6 pool toy
25..
30..


My Goals:

16/20 No Spend Days
1/5 Let the Car Rest Days :

[Crunchy*VT*Mom]

Goals:
22/20 No spend days.

Woohoo!!!! Way to go Jenny -- good strong month for you, as usual.

[Amanda Williams]

So much for keeping it to $1500.... made the switch to cloth dipes for two babies, so high baby expenses this month!

June 1st-3rd: Food Groceries: $28
Preschool Swap activity: $25
Piano Lessons: $25
Fast Food: $13
4th: no spend
5th: $120 food groceries, $5 fast food
6th: $30 Father's Day gift for DH, $5 clothes, $12 eat out, $50 kids/homeschool (scored a TON of stuff at used sale), $40 Christmas, $3 library fine
7th: Groceries $13, Chuck-E-Cheese (hubby's idea) $30, Christmas $11
8th: no spend
9th: $12 fast food, $30 baby, $10 clothing for hubby, household $40
10th: $54 food groceries, $6 baby wipes, $15 paper groceries, $80 co-op groceries
12th: Housesold: 18, clothes $12, kids $4, baby $8, milk $26, fast food, $11. $50 legos for kids (HUGE Craigslist box), $31 eat out
13th: no spend
14th: $11.50 album, my spending, $100 check to friend, tithe
$10 gift for dad
15th: $30 meal for friend "tithe", $136 food groceries, $60 household groceries, $20 gifts, $5 homeschool, $20 scrap stuff, $7 fast food
16th: making the switch to cloth dipes... $78
17th: ice cream, $8
18th: taco bell $9, cloth dipes $40, Food groceries $41, home $10, kids $6, clothes $2
19th-20th: No spend
21st.22nd: no spend
23rd: Fast food $8, Household $17, gift $20, clothes $8, tithe $10
24th: fast food $7, household $18, $30 diaper supplies
26th: $18 food groceries, $75 diapers, $23 personal care groceries, $7 tithe, $352 beef, $12 trash bags
27th: $10.50 soakers
28th: $1.50 Ebay

Totals:
Food Groceries: $531/600
Household: $198/100
baby/Molly diapers: $279/100
Homeschool/kids: $165/150
Fast Food/entertainment: $153/125
Gifts: $80/70
Clothes: $35/30
Christmas: $51/50
Tithe: $247/250
My Spending: $34.50/$25
Beef: $352


Took some sposies back to Costco today redusing my baby spending for June.

[Amanda Williams]

Originally Posted by Crunchy*VT*Mom

Yeah Amanda! That will save you some money over the long haul...especially with two of them!

We'll probably have several more babies, so the time is right to make the switch.

[cymbeline]

I am SO FRUSTRATED! The computer that I have Quicken on died a few days ago. ARG! It was where I was keeping a super-close eye on the expenses.

Everything is backed up online, but I (obviously) have nothing budgeted for getting that computer fixed... and it was an old copy of Quicken too, and I don't have the disk anymore... UGH.

Anyway, June went pretty darn well. We cut up all the credit cards except one which will go back to being for emergencies. We successfully finished negotiating our mortgage holiday. We applied to protest our property taxes. We started down the path to debt relief by making a debt reconciliation plan and sticking to it. We made our first household budget based on DH's new job (yay!). We switched from evil Chase Bank to a local credit union. And we cancelled the non-essentials. Oh, and I already made a July meal plan and purchased all of July's groceries! We've set aside an amount for weekly perishables as well.

We didn't do perfectly sticking to the budget, but the overall in versus out was good. We were positive at the end of the month and we didn't put anything on credit cards!!! :

[Amys1st]

Originally Posted by CityChic

In my experience maybe, maybe not. If he is getting paid the same annual salary but getting more paychecks it just means that you will get less per paycheck. The difference may effect the way you pay your bills. Keep us posted and let us know how the change goes.

I think its just how we pay our bills, but it starts next week!

[PlayaMama]

okay!!! this month is the best so far!! woo-hooo! : great month!

i'm only 76.70 over budget. though i know some of that has to do with my dh buying groceries instead of me on occasion, but my personal spending is way WAY down, only three non-budgeted spends is AMAZINGLY good for me.

600.00/600 groceries
142.82/100 pantry stocking
99.25/60 spending money
80/80 sundry

17/20 no spend days
10/10 budgeted spend
3/0 non-budgeted spend!!!!

1- 8.82 shipping kk
2- 30.00 lunch, groceries
3-
4- 106.50 maple syrup 50 pantry 56.50 groceries
5- 20.95 shipping mrh spending money, 34.50 phone card sundry, 10.00 groceries
6-
7- 17.10 shipping old co-op order spending money, 97.29 groceries
8- 45.30 mrh groceries
9-
10-
11-
12- 45.00 eating out
13-
14-
15-
16-
17- 255.13 azure 91.70 klean kanteen
18-
19-
20- 3.14 shipping co-op 2.99 shipping co-op
21-
22-
23- 30.00 eating out, 20.00 raw goat milk
24- 85.00 raw milk and beef
25-
26-
27- shipping maple syrup 48.60
28-
29-
30-

june 76.70 17
may 181.46 18
april 358.07 19
march 517.18 17

[CityChic]

Originally Posted by Amys1st

I think its just how we pay our bills, but it starts next week!

Great timing for a new monthly spending challenge! Good luck!

*****

Doing better with being open about our budget and where we stand with DH. I just have a hard time telling him no but he relies on me to let him know where we are financially. I'm happy to report that I was honest and said no to some things he brought up this week and he took it great and I feel so much better!

*****
June 1 - $80 Dinner for church crew that moved us, well worth it!
June 2 - $5.50 Annual Dues for Mom's Group
June 3 - made money by doing a 1 hour survey group - $75 CASH
June 4 - $75 Target - We just moved this week so I should have budgeted in some things we needed
June 5 - $10 Breakfast, Snacks
June 6 - Yes, a good day!
June 7 - $20 Lunch/Sitter so I could participate in a church activity
June 8 - Long day, but worth it
June 9 - There is the smile we've been looking for, even resisted Coldstone
June 10 - $5 on coffee
June 11 - $450 for new car radiator. This is actually ok as we have money set aside for car emergencies so this isn't dipping into any of our actual budget. We've never used this money before but now I am glad it's there!
June 12 - Used certificate at Costco and got meat FREE! (and purchased nothing else!)
June 13 - $17.75 Blockbuster ... DH travels for work and we cut out all the cable. I can definitely see the value in Netflix after going to Blockbuster I was SHOCKED at how much a couple movies cost!
June 14 - $16.50 Dinner Out - Laziness, pure laziness
June 15 - $20 - Trip home
June 16 -
June 17 - $35 Carpet for living room in new house (this is a great deal as the ones I have been looking at were over $100).
June 18 -
June 19 -
June 20 - $30 Father's Day Brunch (DH is out of town tomorrow)
June 21 - Breakfast @ home, Picnic Lunch from home, Dinner @ home Woo!
June 22 - $20 - Free cupcakes was a bust and I ended up buying treats
June 23 - $25 Dinner date with DH - totally worth it (read a statistic today that said 81% of women said that no matter what they spend on date night they find it worth while to keep going on them! AMEN!)
June 24 - Even went to the zoo and spent zero, nice!
June 25 - Didn't leave the house much, too hot! We did play in the hose twice!
June 26 - $4 Starbucks...I have spenditis today...not good. Came home and am trying not to leave again.
June 27 - Block party, everyone shares everything, great day!
June 28 - $20 Dinner/Movie - forgot this was on the agenda for this month or I could have budgeted for it...ugh.
June 29
June 30

Total No Spend Days - 14/30

I think I can do better than this (and should do better than this!) I'm also waiting to see how my unemployment shakes up. This would help alleviate some of the stress we have due to debt, although I should curb my spending either way.