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~August No-Spend Challenge~ We are tracking our spending and trying to save money! Come join us... - Page 10

post #181 of 344
Quote:
Originally Posted by sweetjasmine View Post

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.
I use Quicken Online. It's free! And I like it a lot better than Mint.com, another popular one. You can link it to your bank accounts, credit cards, etc. and it sorts transactions (like, for my checking account, it'll tell me that I spent $200 on groceries, $100 on insurance, etc.)
post #182 of 344
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 (I gave this a new face because, while it wasn't a no spend day, it wasn't a total splurge, either.)
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!)
: 13: drove to the park, no money spent, didn't drive out of town!!!
post #183 of 344
My husband says we need to have a few spend free WEEKS, I think he is crazy, but a DAY would be great. I have to get organized so that I am not always running out for "This or That"

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-Grocery Store- Weekly Trip $114, Birthday gift for dd's friend 2 books for my dd's, coffee, yummy smelling candle (this is a necessity right) $40, Gas (yes I just got it a few days ago, but did not fill up) $30 but I am : that everything costs so much
14th-
15th-
16th-
17th-
18th-
19th-
20th-
21st-
22nd-
23rd-
24th-
25th-
26th-
27th-
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29th-
30th-
31st-
post #184 of 344
Quote:
My husband says we need to have a few spend free WEEKS, I think he is crazy, but a DAY would be great.
When I started doing this thread two years ago I was SHOCKED at how hard it was not to spend money.

I thought of myself as a pretty frugal person, but those first few months I would only have about five days a month where I didn't spend money. It just slips out without you realizing it.

You can do it -- but it definitely is a skill that takes some serious self-discipline. It is not nearly as hard when you have no money in the bank (which is usually ME!), but if there is money in our account....I have to fight hard not to spend it.
post #185 of 344
I'm trying very hard this month.

Here it is the middle of the month and we still have over half of our budgeted money in the bank.

Let me tell you -- this NEVER happens. Most of the time I'm struggling to finish the month off with just a few dollars in our bank account.

It just reiterates to me that the reason we are often broke is because I spend money on frivolous stuff.

When I'm careful not to spend, we have plenty of money. I need to remember this feeling (relief) and try to think back to this moment the next time I'm on ebay shopping for something goofy.

Another no spend day for us today because my purse is still locked in the filing cabinet and won't be coming out today.

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:
10/20 No Spend Days
$367/$600 Grocery Budget
post #186 of 344
Planning a switch to envelope system for grocery/dining out $ starting today! Perhaps if I see there is only $200 remaining in this month's food envelope, it will prevent me from whipping out the debit card and running right through the funds. And of course actually creating a meal plan would help a bit too.

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:
Aug. 13:

: 12/27 (no spend/spending w/in budget)
Groceries/Dining Out: $292.56/$500
post #187 of 344
Quote:
Originally Posted by Crunchy*VT*Mom View Post
I'm trying very hard this month.

Here it is the middle of the month and we still have over half of our budgeted money in the bank.

Let me tell you -- this NEVER happens. Most of the time I'm struggling to finish the month off with just a few dollars in our bank account.
GREAT work Pru; keep it up!

:::::::
post #188 of 344
Yes, excellent job, VTmom!! I'll have months where I do so great and then other times I am so dismayed at my lack of planning and willpower.

Quote:
Originally Posted by Bookworm715 View Post
I use Quicken Online. It's free! And I like it a lot better than Mint.com, another popular one. You can link it to your bank accounts, credit cards, etc. and it sorts transactions (like, for my checking account, it'll tell me that I spent $200 on groceries, $100 on insurance, etc.)
You know, I was having second thoughts about Quicken because I didn't want to spend the money. I didn't know there was a free version! I've started with the google docs another poster suggested. I'm going to look at quicken online, though too. Thanks!
post #189 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 #190 of 344
8/1 $11 birthday gift for friend
8/2
8/3 $9 lunch at McD's :
8/4 $5 lunch at work because I forgot mine :
8/5
8/6
8/7 $5 Dinner at work
8/8
8/9
8/10
8/11
8/12 $6 McD's for a hamburger, iced coffee & treats for kids
8/13
8/14

Wednesday I had a pretty major sugar crash/caffeine withdrawal, so I hit the McD's drive-thru after I picked DD up. And since the kids were with me, I got a Happy Meal for them to share.
I feel like I'm cheating a little today because I went grocery shopping (which I don't account for here) and bought more than I'd planned. I bought "fun" stuff (crab legs, wine, etc), but it's stuff that will be used. I'm also doing well cooking for EVERY meal.
post #191 of 344
My husband says we need to have a few spend free WEEKS, I think he is crazy, but a DAY would be great. I have to get organized so that I am not always running out for "This or That"

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-Grocery Store- Weekly Trip $114, Birthday gift for dd's friend 2 books for my dd's, coffee, yummy smelling candle (this is a necessity right) $40, Gas (yes I just got it a few days ago, but did not fill up) $30 but I am : that everything costs so much
14th- $24 Haircut & tip for dd, $20 school books
15th-
16th-
17th-
18th-
19th-
20th-
21st-
22nd-
23rd-
24th-
25th-
26th-
27th-
28th-
29th-
30th-
31st-
post #192 of 344
My key:
No Spend Day =
Planned/Necessary Expense =
Unplanned/Non-Essential Expense =

08/08: $26 produce at farmer's market , $18 takeout (fussy baby foils dinner preparations, hunger ensues)
08/09: $33 bought lunch for in-laws (should have split bill) , $71 grocery shopping
08/10: $238 Costco & $83 TJ's, food staples usually do a bi-monthly at TJ's and every 6 weeks at Costco. $14 Walgreens
08/11: $44 flea stuff
08/12: $12 lunch
08/13: $28 Amazon (books to fix colic, no sleep babe, library might have been better)
08/14:

No Drive Days: 4/31
Used all CD Days: 6/31
post #193 of 344
anticipated spending
cheese making supplies 75.00 grocery
solstice shopping 100.00 spending money
fan for freezer 115.00 ???
snack sacks 35.00 sundry/ spending money
azure 150.00 grocery

318.35/600 food
60.34/80 sundry
4.95/60 spending money
100/100 to savings :

11/20 no spend
3/11 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
13-
14- 48.66 charlie's soap

july 105.65 20
june 76.70 17
may 181.46 18
april 358.07 19
march 517.18 17
post #194 of 344
It is official...we now have a cash envelope system for groceries/dining out. Exciting, isn't it? Stopped at the bank on the way to the grocery store + pulled out funds. Updated grocery $ here w/ total withdrawn; have not actually spent it all yet. It was very strange to stand there in the checkout lane with cash in hand; instinctually wanted to swipe something. Suppose I will get over this...

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:
Aug. 13:
Aug. 14:

: 13/27 (no spend/spending w/in budget)
Groceries/Dining Out: $492.56/$500
post #195 of 344
Quote:
I bought "fun" stuff (crab legs, wine, etc), but it's stuff that will be used
Milo's mom -- ABSOLUTELY you should not count this as frivolous spending. I do this myself (feel guilty for buying more expensive groceries) and I have to catch myself and remind myself -- FOOD. This is food. That you are eating to live. Absolutely essential, no matter how "fun" it is.

Don't feel guilty for this. Fun is a cruise, fun is dinner out at that swanky sushi restaurant, Fun is hiring a babysitter so you can go spend the day hiking -- Fun is not food that you are buying to feed your family.

You are doing fine.

ETA: Besides -- wine = antioxidants. Crab legs = omega 3 fatty acids. Those are actually health food purchases.
post #196 of 344
Kim -- you've inspired me. I have $230 left in our grocery budget for the month. I'm going to an ATM to get that out of there today. I already have the envelope.

When it's gone. It's gone.

You are doing fantastic this month, by the way!
post #197 of 344
The transmission is shot. It looks like we're shopping for a new car.

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:
08/13: $2.24 shipping, $15 stress pizza
08/14:

11/20 No-spend days
$26.24/$100 Frivolous spending
3/6 Diapers made from my stash of fabrics
post #198 of 344
We are off to visit family for the day -- I'll need to buy gas, pay the bridge toll and buy some food/wine for the visit. Gas and food should be within budget, but the toll will cost us our for the day.

On the bright, bright, bright side of things -- dh got some reimbursement money back from work and I was able to pay off the cc! For the first time in years, I have a zero cc balance. :

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 --
Aug 15 -- $2.50 toll
Aug 16
Aug 17
Aug 18
Aug 19
Aug 20


Goals:

Pay off credit card -- 2000/2000
Groceries -- 224.98/600.00
Extra big expenses this month -- 178.08 (toilet), 119.78 (garden)
No sloppy spending!
post #199 of 344
Quote:
Originally Posted by scrapadoozer View Post
The transmission is shot. It looks like we're shopping for a new car.
Oh I am so sorry. I hate shopping for cars. Fingers crossed that the perfect car is waiting around the corner for you all.
post #200 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.

8/15 Okay, it's the middle of the month and I'm going to change my necessary spend icon as well as the description of it. I keep confusing myself with the eyeroll . It makes me think of an unnecessary spend. And I like how some pp's have described it as a budgeted spend. That's more clear to me.

Legend:
Budgeted 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).
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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!
14. our every other friday evening going out to eat date. also bought our weekly wine box and fish supplies.
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