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~August No-Spend Challenge~ We are tracking our spending and trying to save money! Come join us... - Page 9

post #161 of 344
a. Who you are - Aileen, wife to hubby, part time stepmom to 11 year old girl and 16 year old boy.

b. Where you are going (your financial goals) - long term: be debt free by this time next year (medical bills, one cc and one car payment), continue building up savings/retirement cushion. short term: work on reducing grocery budget and unnecessary spends.

c. How you plan to get there - get an online budget tracker such as Quicken because what I'm doing now is NOT doing the trick.

Legend:
Necessary spend
: Unnecessary spend
No spend

August
1. : um, got off on the wrong foot, bought a starbucks frappacino. gas, grocery store (getting better at trying to eliminate frivolous spending here), petsmart (fish to replace some we lost).
2.
3.
4.
5.
6. took a day off work to go to water park with daughter and grandbabies but my power went out and i didn't want to leave kitty alone in the 100 degree heat! a/c came back on before it got too unbearable but timing wasn't right anymore so i just went to dd's house and visited with her there. didn't spend any money!
7.
8. necessary spends - grocery store, gas, walgreen's (bought some chocolate. isn't this a necessary spend, though? ) goodwill (crossword puzzles for dh i consider necessary cuz at least he'll do them while watching tv; also a couple of little juice glasses which are hard to find anymore), wine store (we buy the boxes which are cheaper), best buy (wireless printer for the laptop).
9.
10.
11. : i KNEW i shouldn't have gone out to lunch with my coworker. she went to bath & body works (i knew this before hand) and of course i HAD to buy something there. grrr. and then bought lunch at chickfila when i had brought a perfectly good lunch of leftovers.
12. : okay, both necessary and unnecessary cuz i guess i could look at it both ways. tomorrow is a coworker's baby shower for her preemie who is still in the hospital. i gave $20 toward a gift for the baby and volunteered to bring the drinks for the shower which i spent about $8 on for two canisters of kroger brand powdered sweet tea.
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post #162 of 344
Aug1 --
Aug 2 -- 178.08 new toilet
Aug 3 -- 18.59 lunch with mom
Aug 4 --
Aug 5 -- 119.78 blueberries bushes for the garden
Aug 6 --
Aug 7 --
Aug 8 --
Aug 9 --
Aug 10 -- $9 pool fee
Aug 11 --
Aug 12 -- $11 water park
Aug 13
Aug 14


Goals:

Pay off credit card -- 1200/2000
Groceries -- 224.98/600.00
Extra big expenses this month -- 178.08 (toilet), 119.78 (garden)
No sloppy spending!
post #163 of 344
Spend Money Slowly.

That has become my motto this month.

We had a carpet place come out and measure the house this morning and we're debating having new carpet put in...but I keep repeating my motto... Spend Money Slowly.

I tend to want to just rush in and get it done, but really this is a huge expense and I need to think long and hard before we jump in.

01.. $1 toy at a yard sale
02..
03..
04.. $13 pizza
05..
06..
07..
08..
09.. $33 road race registration
10..
11..
12..
13..
14..
15..
16..
17..
18..
19..
20..
21..
22..
23..
24..
25..
26..
27..
28..
29..
30..
31..

Goals:
8/20 No Spend Days
$122/$600 Grocery Budget
post #164 of 344
Aileen -- I would count that as a necessary expense. Some things in life just require you to spend money. to your coworker and : that her baby gets out of the hospital soon.
post #165 of 344
My key...
No Spend Day :
Necessities/Low Spend Day
Over budget- frivolous spending :

August 6th-
August 7th-
August 8th- School supplies over tax free weekend $120
August 9th- :
August 10th- Sam's $96, Homeschool Used Curriculum Sale $35
August 11th- Farmer's Market $50, CVS $2.41, Gas $27
August 12th- $6.00 Lunch: $25 for Pizza for dinner:, book for daughter for science on eBay $15
13th-
14th-
15th-
16th-
17th-
18th-
19th-
20th-
21st-
22nd-
23rd-
24th-
25th-
26th-
27th-
28th-
29th-
30th-
31st-
post #166 of 344
Prudence,
This is SOOOO true. I was raised to be a shopper, that is all my Mom did, or at least those are my main memories, she was always buying something.
I don't want my girls to be like that! I have gotten MUCH better, but still improving

Quote:
Originally Posted by Crunchy*VT*Mom View Post
Welcome back Vicki! I have three girls myself and one thing I have found that really makes me impulse buy is that my girls LOVE new stuff -- new clothing, new toys -- they literally enjoy shopping themselves. This is hard for me because "shopping" is so much considered a female sport in our culture and -- if you are conscious of it -- you will find that many stores cater heavily to women.

I'm trying to remind myself that I do not want to raise my girls to be "shoppers". I really do not.

And that they are watching me like hawks...when they see me buy things they are learning to buy things themselves.

Anyway...this is something I have been thinking about lately.



We are debt free now ( but back when we were in debt, I had to do this too. It works.
post #167 of 344
There is something wrong with our car. Please cross your fingers that it's not the transmission.

08/01: $5 Dunkin' Donuts, $2 snowshoes for dd @ a yard sale.
08/02:
08/03:
08/04:
08/05:
08/06:
08/07:
08/08: $2 vintage linen @ a yard sale
08/09:
08/10:
08/11:
08/12:

10/20 No-spend days
$9/$100 Frivolous spending
3/6 Diapers made from my stash of fabrics
post #168 of 344
Quote:
Originally Posted by scrapadoozer View Post
There is something wrong with our car. Please cross your fingers that it's not the transmission.

08/01: $5 Dunkin' Donuts, $2 snowshoes for dd @ a yard sale.
08/02:
08/03:
08/04:
08/05:
08/06:
08/07:
08/08: $2 vintage linen @ a yard sale
08/09:
08/10:
08/11:
08/12:

10/20 No-spend days
$9/$100 Frivolous spending
3/6 Diapers made from my stash of fabrics
That's a heck of a lot of 's!! Good job, I'm impressed!
post #169 of 344
1 - GARAGE SALE: $50 dresser, $3 cards, twine, toy; $39 Pet food
2 - $2 entertainment, $38 pet store
3 - No spend (Sent out cds with prepaid paypal postage)
4 - No spend (If I can avoid the gas station tonight)
5 - $32 new showerhead; $4 milk; $20 gas; $2 lottery
6 - No spend
7 - $5 cake.
8 - GARAGE SALE: $25 swing, diapers, baby clothes. At a second sale, I put back some vintage linens. Don't really need them. Don't really have a place to put them. Yeah me!
9 - no spend - Public spray park
10 - no spend
11 - no spend
12 - $7 Farmers Market, $15 planned ice cream outing

Tomorrow I will go to the grocery stores, shopping the sales. I'm also going to try to pick up some canning jars on the way home. And Friday I will probably hit the thrift store and see about curtain and baby boy clothes.
post #170 of 344
i'm doing okay this month but i keep signing up to buy things on co-ops so even though i haven't spent the money yet i have plans to spend the money. ugh!

anticipated spending
cheese making supplies 75.00
solstice shopping 100.00
fan for freezer 115.00
snack sacks 35.00
laundry detergent 100.00
azure 150.00

318.35/600 food
11.68/80 sundry
4.95/60 spending money
25/100 to savings

10/20 no spend
2/11 budgeted spend
0/0 non-budgeted spend

1- 11.68 nail clippers lip balm, 318.35 groceries trader joe's, costco, wf (don't forget tp is sundry)
2-
3-
4-
5-
6-
7-
8-
9-
10-
11-
12- 4.95 shipping

july 105.65 20
june 76.70 17
may 181.46 18
april 358.07 19
march 517.18 17
post #171 of 344
Before I took this challenge, we'd leave most days to go to Target, about 15 miles away, or the "good" grocery store, about 17 miles away. We have a grocery store less than a mile away from our house, but it tends to be more expensive and it's not very pretty. I'm saving so much money not driving out of town every day...I could overpay on every item I buy and still probably save money!

My house is spotless every day now that we're not out shopping for entertainment. We've done more projects and activities. DD is napping better since she's not sleeping in the car instead of at home. I haven't had a single "eek, I just blew $50 at Target" episode, which I'm ashamed to admit breviously happened a few times a week.


Spent according to budget
Blew the budget
: Nothing spent! No driving! Nada nada nada!

I can't remember the first two days of August, so I'll start with Monday the 3rd.
3: Bought a few things at the grocery store. Made a basically-free dinner (trout DH caught, mashed potatoes w/ ingredients I already had)
4: Didn't go anywhere, didn't spend money, made a yummy dinner out of things I already had at home (including adding herbs to a really yucky spaghetti sauce I had in the fridge.
5: Bought postage to send the card my kids made for my dad's bday, about $5 at McDonald's (lunch for DS and I, and an ice cream cone. And entertainment for over an hour for DS!) and about $35 at the grocery store, where I got some great deals (but did splurge on some letter tater tots for DS, who has recently learned the alphabet and was very excited about them).
6: Didn't buy anything at the farmer's market. Played at the park and made dinner with things we had around the house (and DH loved it!)
7: Grocery shopping- did well!
8: A bit of driving and a tiny splurge for DH and me (DQ and Starbucks) but not too bad
9: $12 on stupid carpet cleaner
10: $1.25 on eggs, no 'real' driving (just to the park!)
11: About $15 on groceries. Just drove to the store!
12: About $15 on groceries (staples we needed until next payday). Again, just drove to the store, about a mile away (would have walked but DD doesn't like the stroller and we have to walk most of it on a busy road and don't want to walk w/ a 3 year old boy if I have DD in a sling. And it was 90+ degrees today and the sun is really hot in Colorado!)
post #172 of 344
Quote:
Originally Posted by Crunchy*VT*Mom View Post
Spend Money Slowly.

That has become my motto this month.
I really like this.



Pre-emptive for today. I simply cannot spend any money since I have cut us quite close to the bone this month by sending so much to the cc. So, it will be a nice, no spend day at home for us.


Aug1 --
Aug 2 -- 178.08 new toilet
Aug 3 -- 18.59 lunch with mom
Aug 4 --
Aug 5 -- 119.78 blueberries bushes for the garden
Aug 6 --
Aug 7 --
Aug 8 --
Aug 9 --
Aug 10 -- $9 pool fee
Aug 11 --
Aug 12 -- $11 water park
Aug 13 --
Aug 14


Goals:

Pay off credit card -- 1200/2000
Groceries -- 224.98/600.00
Extra big expenses this month -- 178.08 (toilet), 119.78 (garden)
No sloppy spending!
post #173 of 344
DS turns 3 next month; need to begin strategizing how to keep party costs low and fun high. Beyond excited the diaper line item can just about be scratched from the budget (excepting nighttime need)!

Kim :

Aug. 1: $79 at Goodwill (2 dresses, 2 shirts for DH, + about 15 exceptionally cool floor puzzles/wooden toys/board games/art stuff for kiddos)
Aug. 2:
Aug. 3:
Aug. 4:
Aug. 5:
Aug. 6:
Aug. 7:
Aug. 8:
Aug. 9:
Aug. 10:
Aug. 11:
Aug. 12:

: 11/27 (no spend/spending w/in budget)
Groceries/Dining Out: $279.89/$500
post #174 of 344
Great job, Bookworm! I love that the added benefit is that your house is looking better!
post #175 of 344
Quote:
I'm saving so much money not driving out of town every day...I could overpay on every item I buy and still probably save money!
I'm visiting this issue in my head this month too.

We have a grocery store that is literally within WALKING distance of my house...but I never go there because they are more expensive.

I'm starting to wonder though...hmmmm...is it worth driving to the next town and putting all that wear and tear on my car to save $.20 on a can of coconut milk?

I may have to re-visit my price book and check up on some of the things we buy every week.
post #176 of 344
Locking my purse in the filing cabinet as I update this. Won't have any money with me today, so I won't be spending it.

We're heading off for a picnic and day at the community pool.

01.. $1 toy at a yard sale
02..
03..
04.. $13 pizza
05..
06..
07..
08..
09.. $33 road race registration
10..
11..
12..
13..
14..
15..
16..
17..
18..
19..
20..
21..
22..
23..
24..
25..
26..
27..
28..
29..
30..
31..

Goals:
9/20 No Spend Days
$367/$600 Grocery Budget
post #177 of 344
Oh and we decided to delay the carpeting of our house.

We are going to wait until every person in our house uses the bathroom consistently in a toilet.

I figure when I am in Kim's shoes, I can sell our stash of cloth diapers and that sale alone will almost pay for the new carpet.

An embarassing side effect of having a diaper-buying addiction.
post #178 of 344
Quote:
Originally Posted by Crunchy*VT*Mom View Post
Aileen -- I would count that as a necessary expense. Some things in life just require you to spend money. to your coworker and : that her baby gets out of the hospital soon.
You are SO right, VTmom! It's not that I didn't want to do something for her, I just don't like how freely money can leave my hands at times. Gotta work on that! Thank you for the prayers! The baby is gaining weight and doing great! :
post #179 of 344
a. Who you are - Aileen, wife to hubby, part time stepmom to 11 year old girl and 16 year old boy.

b. Where you are going (your financial goals) - long term: be debt free by this time next year (medical bills, one cc and one car payment), continue building up savings/retirement cushion. short term: work on reducing grocery budget and unnecessary spends.

c. How you plan to get there - get an online budget tracker such as Quicken because what I'm doing now is NOT doing the trick.

Legend:
Necessary spend
: Unnecessary spend
No spend

August
1. : um, got off on the wrong foot, bought a starbucks frappacino. gas, grocery store (getting better at trying to eliminate frivolous spending here), petsmart (fish to replace some we lost).
2.
3.
4.
5.
6. took a day off work to go to water park with daughter and grandbabies but my power went out and i didn't want to leave kitty alone in the 100 degree heat! a/c came back on before it got too unbearable but timing wasn't right anymore so i just went to dd's house and visited with her there. didn't spend any money!
7.
8. necessary spends - grocery store, gas, walgreen's (bought some chocolate. isn't this a necessary spend, though? ) goodwill (crossword puzzles for dh i consider necessary cuz at least he'll do them while watching tv; also a couple of little juice glasses which are hard to find anymore), wine store (we buy the boxes which are cheaper), best buy (wireless printer for the laptop).
9.
10.
11. : i KNEW i shouldn't have gone out to lunch with my coworker. she went to bath & body works (i knew this before hand) and of course i HAD to buy something there. grrr. and then bought lunch at chickfila when i had brought a perfectly good lunch of leftovers.
12. : okay, both necessary and unnecessary cuz i guess i could look at it both ways. tomorrow is a coworker's baby shower for her preemie who is still in the hospital. i gave $20 toward a gift for the baby and volunteered to bring the drinks for the shower which i spent about $8 on for two canisters of kroger brand powdered sweet tea.
13. had a great time at the baby shower today!!! momma was so happy and said preemie is doing well!! coming home soon!
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post #180 of 344
1 - GARAGE SALE: $50 dresser, $3 cards, twine, toy; $39 Pet food
2 - $2 entertainment, $38 pet store
3 - No spend (Sent out cds with prepaid paypal postage)
4 - No spend (If I can avoid the gas station tonight)
5 - $32 new showerhead; $4 milk; $20 gas; $2 lottery
6 - No spend
7 - $5 cake.
8 - GARAGE SALE: $25 swing, diapers, baby clothes. At a second sale, I put back some vintage linens. Don't really need them. Don't really have a place to put them. Yeah me!
9 - no spend - Public spray park
10 - no spend
11 - no spend
12 - $7 Farmers Market, $15 planned ice cream outing
13 - $33 for a LOT of groceries, anticipated $18 on canning jars
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