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~November No-Spend Challenge~ We're trying to save as much as possible in November -- Come Join Us! - Page 3

post #41 of 259
November

Goals:
0/15 "no spend" days
0/3 - Eating Dinner out days
$300/$500.00 for groceries
0/0 Holiday Budget (TBD)


Key:
Key:
- no spending
- budgeted spending
- unbugeted spending
- unbudgeted/emergency spending

Oct 31 - (Groceries/Costco & gas)
1 - (Target)
2 -
3 -
4 -
5 -
6 -
post #42 of 259
I am Vicki, I have done this for the last couple month's, and am so proud of myself! Spent $1163 LESS in September than the month before. Spent $740 more in October than in September, so I need to get saving!!

My goals--Short term goals right now, an additonal $500 in savings by the end of the month. Pay off 1 small credit card. Pay only Cash for all Christmas Gifts.

How I plan to do this....
Not eating out!! Once or twice a month for DH and I to have a date night, all of us out to eat only when "kids eat free". Buying necessities and really thinking about purchases outside of necessities (will wait 24 hours for anything over $10), "gasp" cutting out my paper towel addiction- been doing great on this. Having at least 2 no-drive days a week.

My key:
No Spend
No Driving
Budgeted Spending/Necessities/Thought Over Purchase
Unnecessary Spending
: Exercise Day

Groceries $70

1st- :
2nd- :
post #43 of 259
Hello! This is my first time trying this.

a. Who you are I'm Jenn, very part-time WOHM mama to a 3yo happy guy and 4 insane, but lovable, cats.

b. Where you are going (your financial goals) We have really fallen in the past few months. It's shameful. We've worked too hard and struggled in the past few years to let ourselves get by again. We want to really work on stopping the wasteful spending and getting out of debt. We are TTC #2 and will need to pay out-of-pocket for the midwife unless I can get some coverage. I also want to rebuild my savings and have AT LEAST 3 months of living expenses banked away.

c. How you plan to get there We need to cut down/stop eating stuff that's not from home. I have cooked only a few times in the last month, which is terrible. I take lunch to my hubby everyday. I used to always make a homemade lunch, but lately I have bought lunch for him. We actually had McD's for lunch the last two days. I despise that place and can't believe we spent money there. We also have a horrible coffee habit. For us, it's DD, not Starbucks. I want to cut down on coffee for health and monetary reasons. I have good organic coffee at home, I just need to stop being lazy about making it. Dh has a soda habit that needs to go. I need to stop wasteful grocery spending and not waste food, either (another bad habit). I also need to stop buying stupid crap like decorations. So, I need to cook at home again more often, make lunch from home, cut the coffee habit, cut the fast food habit and do more frugal activites with Ds. We actually have two zoo memberships (my dad put us on his membership for the bigger city zoo) that we have been under-utilizing lately. Oh, and I need to get my library books back to the library on time. I have spent $30 in overdue fines in the last month and a half. And we also need to give the debit card a rest and use cash for everything (except gas).

Key:
Necessary/budgeted spending
Naughty spending
Books back to the library on time
No coffee day
No spend day

November:
1. Rent $1,045 (includes gas, hot water, trash and sewer). Whole Foods - $14.24 for grocery items. Target - $12.00 for grocery items. Coffee, McD's lunch - $3.00. Babies R Us trip - $9.00 (shirt and a snack). Ac Moore trip - $4.95 for craft kits. JoAnn's fabric - $11.29 for decorations and crafts.
2. McD's again - $2.11. Dunkin Donuts - $3.26. Trip to local farm for ice cream - $1.56.
post #44 of 259
Akie, SAHM to 3 lovable but energetic young boys.

Goals: 1. Spend less than $300 on 3-day trip to Kona this month (we prepaid most things last month)

2. Put $500 into savings - toward FFEF

3. Save $100 towards Christmas gifts.
4. 5 no spend days
5. USE CASH ONLY

Key: no spend
spend w/in budget
frivolous spending
post #45 of 259
1.
2. storage unit fee BUT no drive day! I don't know if I've ever had one of those before!
Key: no spend 1/5
spend w/in budget
frivolous spending
0/3
post #46 of 259
Hmmmm....really thinking about buying leeks/onion/shallot sets for the garden. It is time to plant and I have been wanting to do more alliums for years. All three plus shipping would be $34.45.

I'll think on it for a little while. I do not know of anyone who does onions or I would just see about sharing with a friend.


So far, this month is starting off very well. My dd has decided to change dance schools and take classes closer to home. The classes are 1/2 the price, she has many more friends in the new school and it is a LOT closer to home saving me a full tank of gas each month. Nice!



Nov 1 --
Nov 2 --
Nov 3 --
Nov 4 --
Nov 5 --


Savings 0/1000.00
Grocery/household 0/500.00
post #47 of 259
Please write an introductory message when you decide to join our thread. We would like to know:

a. Who you are
My name is Kathy. I am married with one child. We are declaring bankruptcy. We bought a house at the peak and had to sell at the bubble and lost a HUGE amount of money. We struggled for a year trying to survive, but we can't. It's extremely depressing. I want to learn to be frugal so this never happens again.

b. Where you are going (your financial goals) and

After bankruptcy, we do not want any more credit cards. We want to live on as little as possible. When my husband graduates from Pharm school (we sold the house so that we could move across the country so he could go to Pharmacy school), we want to continue the frugal lifestyle and pay off our school debts as quickly as possible and save to buy large items outright at that time.

c. How you plan to get there
Stop spending at restaurants, take meals to work and school, buy cheaper food items, freezing bulk meals, buying more at thrift stores. We don't buy much, at least AFAIK, so monitoring daily spending here in this thread should either confirm or enlighten. Either way, it's a win to post here.

Nov
1. 93.00 in groceries for the week. I am relying on last week's purchases to help tide us over.
2. My son, who does chores, earns $5 a week. He has saved over the course of the past month and a half. He spent $16 at a comic book store on toys. Red Lobster - $17.00 lunch for me and hubby. (eek!)
3. Husband and son went for a walk in the woods and spent $5.00 on drinks.
post #48 of 259
0/500 Emergency Fund
0/1000 Debt Snowball

=No Spend Day
=Within Written Budget Spending
=Not budgeted but Needed
=Stupid Spending
= Extra Income
=No Drive Day

1- Walgreens $4.00, Big Lots $20 for 2 Christmas Gifts, $5 socks, $2 chips for DH, Safeway $5 Avacados, Dollar Store $12 for freezer containers & cleaning supplies $13 Wendy's lunch for DH, Me, Teen Boy + Made $75 at yard sale
2- $26 Groceries, $2.09 from the change container in my car for a milkshake... + 20 ebay
3- Going to a friends home today~not bringing any $ with me~ + $75 DH fixed a coworkers car
4-
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post #49 of 259
Long term goals:
Build up 6 month living expenses
Pay off car loan
Pay off dh's medical bills
Pay off remaining $1k on remaining cc

Short term goals:
Looks like we are not getting our usual several hundred dollar bonuses at work this year because of the downturn so I am trying to put aside some funds for Christmas. I'll have to slow down the rate at which I was paying on our medical bills.

Legend:
No spend
Budgeted spend
Unplanned spend

November
1.
2.
3.
4.
5.
6.
7.
post #50 of 259
November

DH has informed me he wants to do the "no spend" challenge too, so now I will try & log for both of us. I'll track family budgeted expenses & my own spending. DH has spending for the boys with their activities and then lunches out.

Goals:
1/15 "no spend" days
0/3 - Eating Dinner out days
$300/$500.00 for groceries
0/0 Holiday Budget (TBD)

Key:
- no spending
- budgeted spending
- unbugeted spending
- unbudgeted/emergency spending

_ktg_
Oct 31 -
1 -
2 -
3 -
4 -
5 -
6 -

DH's Spending:
1-
2 -
3 -
4 -
5 -
6 -
post #51 of 259
a. I'm Denise. A shopaholic mama to two, expecting a third in spring. Trying to simplify as well as save as much money as I can so DH and I can dig our way out of debt rather than declaring bankruptcy. Trying to cultivate a more natural, frugal, and simple lifestyle so I don't pass my tendencies onto my children.

b. My goal is to first pay up our mortgage. We were in a car accident that left us behind on our payments. My MIL is on our loan, so our lateness is affecting her credit negatively and DH and I of course feel awful about it.

Other goals include learning to live on less so that once our baby is here there are no worries about me being a SAHM (I currently work part-time to help us get caught up!). As well as learning that shopping is NOT the right way to deal with stress.

c. When I do shop, buy used. If buying used isn't an option, shop sales. Never pay full price for ANYTHING!

Stay away from stores. If I'm not going into them, I can't give them my money.

Each payday, first pay all bills that are due. THEN figure out what we can spend on everything else.

Learn to be happy with what we have, rather than focusing on what we want.

Teach myself some skills that make frugality easier. Knowing how to mend clothes would come in handy with my clumsy self and two small kids!

=============
Goals:
Back Mortgage Paid: $200/$3000
Credit Cards Paid off: 0/10
Christmas Budget: $27/125
Groceries: $17.48/400



Nov. 1: $32 at Old Navy for DD2 and DH some pants (all on sale)
Nov. 2: $7.48 on Sonic.
Nov. 3: $52 at consignment store (stretchy wrap, play kitchen, door knob cover, maternity pants, cloth wipes, shoes for dd2, and an applesauce bottle for the car), $10 at Fazoli's
post #52 of 259
We had a homeschooling meet-up at a park that's too far to walk/bike to (well, I did bike & pull DS in a trailer there once, last summer, but it just about killed me) so no "no car day" today. I also had to do some grocery shopping and although I tried to buy only really necessary things I caved to DS a little.


11/1:
11/2:
11/3: $142.47 necessary groceries $6.51 unnecessary groceries


________________________

My Key:
No Car Day
No Spending
Necessary Spending
Unnecessary spending
post #53 of 259
1
2
3
post #54 of 259
I'm in again this month. I did this plan at the end of last month and it really helped.

a. Who you are
Alison, Mama of two amazing little boys (ages 3 years and 9 months) and partner to J. J is working until the 20th of this month and then the company he is working for is going out of business. He will be doing placements for his school program he's in after that. I own my own business which is currently expanding and I'm also a midwifery student.

b. Where you are going (your financial goals)
We are currently in the process of finishing up the beefing up of our emergency fund because my partner will be out of work. Then we are working on our Dave Ramsey plan to get out of debt.

c. How you plan to get there
Sticking to our budget. Eating in as much as possible

Goals
1. 10 No spend days: 2/10
2. Finish beefing up emergency fund
3. Eating out maximum 3 times: 1/3
4. Make extra $500.00 by selling from around house or overtime for Christmas budget

Key
: No spend
: Budgeted spend
: Unbudgeted spend

Nov 1:
Nov 2: Date money and travel by cab money and groceries; Forgot my diaper bag and had to buy a new diaper for DS2
Nov 3:
post #55 of 259
Quote:
Originally Posted by triscuitsmom View Post
Nov 2: Date money
I'd say that was the best of the money spent
post #56 of 259
Nov 1 --
Nov 2 --
Nov 3 --
Nov 4 --
Nov 5 --


Savings 0/1000.00
Grocery/household 0/500.00
post #57 of 259
Quote:
Originally Posted by justamama View Post
Nov. 3: $52 at consignment store (stretchy wrap, play kitchen, door knob cover, maternity pants, cloth wipes, shoes for dd2, and an applesauce bottle for the car), $10 at Fazoli's
What is an applesauce bottle? Just curious
post #58 of 259
I am Vicki, I have done this for the last couple month's, and am so proud of myself! Spent $1163 LESS in September than the month before. Spent $740 more in October than in September, so I need to get saving!!

My goals--Short term goals right now, an additonal $500 in savings by the end of the month. Pay off 1 small credit card. Pay only Cash for all Christmas Gifts.

How I plan to do this....
Not eating out!! Once or twice a month for DH and I to have a date night, all of us out to eat only when "kids eat free". Buying necessities and really thinking about purchases outside of necessities (will wait 24 hours for anything over $10), "gasp" cutting out my paper towel addiction- been doing great on this. Having at least 2 no-drive days a week.

My key:
No Spend
No Driving
Budgeted Spending/Necessities/Thought Over Purchase
Unnecessary Spending
: Exercise Day

Groceries $95

1st- :
2nd- :
3rd- :
post #59 of 259
My 'key'::
No spend
Budgetted spend
Over-spent, or spend on a non spend day:

11/1
11/2
11/3
11/4
11/5
11/6
11/7

*also updating on some budgetted spending that I said I would list as soon as I got my list together:: this week--$150 for winter supplies (coats/mittens/boots/etc. etc.--much more than this, but can't list all!)
next week--$50 for ordering Liam's stocking and getting him new booties.
week ending the 27th--$80 for snowsuits for the girls.
post #60 of 259
Long term goals:
Build up 6 month living expenses
Pay off car loan
Pay off dh's medical bills
Pay off remaining $1k on remaining cc

Short term goals:
Set aside Christmas funds
Keep unnecessary spending to an absolute minimum until after the holidays
Try not to go overboard this year in buying food/snacks/holiday items

Legend:
No spend
Budgeted spend
Unplanned spend

November
1.
2.
3.
4. $18 for niece's 18th bday
5.
6.
7.
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