or Connect
Mothering › Mothering Forums › Natural Living › The Mindful Home › Frugality & Finances › April No-Spend Challenge ~ We're in the home stretch...
New Posts  All Forums:Forum Nav:

April No-Spend Challenge ~ We're in the home stretch... - Page 12

post #221 of 378
Sorry double post
post #222 of 378
Key:
- no spend day
- made a credit card payment
- allowed meal out/take out
- meal out/take out outside of planned $ and # of meals
- earned money/gift card from completing a survey

1st-
2nd- , -$8320 towards credit cards
3rd- -$13.10 Wendy's, spent $55 on birthday gifts
4th-
5th- -$5 gift card to CVS from surveys -$25 mexican takeout
6th-
7th-
8th- -$25 on pizza, spent $1.99 on a show from itunes
9th- , -check for $5.80 from surveys
10th-
11th- bought necessary household items (paper products, cleaning supplies)

Totals for the month:
7/17 no spend days
$8320/$8800 credit card payments
3/6 meals out/take out
$63.10/$100 money spent on meals out/take out
$10.80/$10 money/gift cards earned from surveys
post #223 of 378
Goals for the Month of April
1. No unplanned spending: 11/30
2. No eating out that isn't already planned for: 10/28
3. Bring in extra money from my business: 0%
4. 450 items decluttered: 22/450
5. 13 days with exercise in them: 5/13

Key:
- No Spend or only planned spending
- Unplanned Spend
- All meals eaten at home or shared with friends/family but didn't cost us anything
- Planned eating out
- Ate outside of the house (unplanned)
- Decluttered stuff out of the house
- Exercise

Apr 11:
post #224 of 378
1
2
3
4
5
6
7
8
9
10
11
post #225 of 378
My key:
no spend day=
unnecessary spending=
no driving=
eat at home=
Used cloth diapers=

Goals:
1. Only go shopping/errands 0/8
2. Stretch out FS money=$0/$514
3. no eating out for lunches this month 0/0
4. major clean (and keep clean) 1 room per week, getting ready for baby's arrival 0/4


Sun 11th-
goals=
1. 3/8
2. $239.71/$514
3.
4. nope, too tired 6/4
post #226 of 378
1:
2:
3: (lunch out: a whopping $45!)
4:
5: ($33 on "stuff"- caulking, door stops, helmet for DS)
6:*
7:
8:
9:*
10:
11:*
12: (Apparently I jinxed myself by putting in the smiley face before the day's end. I had a crappy day and stopped for a sweet on the way home. $1.77....and apparently I wasn't done for the day. $5.28 for caulking and a candy bar...hmm...emotional spender/eater much??)

Un-budgetted spending: $85.08
*spent $1-3 of "budget leftovers"
post #227 of 378
no spend day =
no drive day =
budgeted spending =
unbudgeted spending =

1=missing ingredients for dinner caused a grocery run
2=
3=
4=
5=
6= fell sick again and bought lunch and dinner instead of cooking
7= snack for church meeting
8= took the car into the shop for what I thought would be a simple leaky hose but it turned out to be a major issue
9= ended up having to spend the night in the city while they figured out if they could get my car fixed quickly or not, had a free place to stay but had to buy lunch
10=, things have gotten a bit out of hand...
11= FINALLY!
12=
post #228 of 378
Key:
no spend/ budgeted spending
unnecessary/ unbudgeted spending
hung laundry to dry

Goals for April
no spend days 8/20
eating out 1/3
hung laundry to dry 3/10


1.
2. ordered our homeschool curriculum for next year. I'm putting this here preemptively to encourage me to NOT SPEND when I go out later
3. $50 bread, eggs for dying, and the last of the Easter baskets things at WalMart
4.
5.
6. ordered the last of the things I need for DS1's dinosaur party, was able to stay under budget AND found an online coupon code to save on shipping, also ordered our sunblock/ bug spray for the year~ unprepared for how DS1's soccer practice being at 5:30pm would affect us and got McD's for dinner.
7.
8. ordered our math curriculum for next year, excited to get started planning next year's schooling
9. $15 on quick grocery trip
10. $$ at Costco, major grocery shop, overspent a bit on some snacks
11. $$ at party store. I only needed 1 thing, invitations, but of course the WHOLE family was w/ me, and DH saw a bunch of stuff he thought would be *great* for DS1's party : So we spent more than I planned on things I don't think we really needed

Something I've realized over the last few months is during the week, I do GREAT. But once the weekend comes, if we have errands that need to be run, we typically do them as a family, and that's where we get into trouble. I can stick to a list at the store, but DH and I together fuel each other when it comes to spending. We need to stop going into stores altogether.
post #229 of 378
1 $20 lunch with my sister ~ this was planned however not necessary
2
3
4
5
6
7
8 $20 skirts
9 $9 lunch, $14 water bottles for school fundraiser
10
11


8/20 No Spend Days
Frivolous Spending: $63
post #230 of 378
a. Who you are

I am Kathy. My husband is a PharmD student and we have a year and three months to go. I work part time and am TTC, which is extremely important to us. We have had multiple losses so I scaled back my work hours and we need to sort how to live on very little.

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

Our goal is to live on $2200/month.

c. How you plan to get there

I am having a hard time figuring out how. There always seems to be a big purchase. My glasses, the car breaks down, my husband's school laptop breaks down, medical bills from my husband's constant throat infections (and he will have a tonsilectomy int he beginning of may, which is more money lost. lots of it.)

If we didn't have these issues, I think it might be possible, but these issues are a part of life. How can I do it? I hope that this thread can help me save money on a day to day basis. I need for my husband to be in agreement. I have been tracking our expenditures for a couple months and have shown him how we are hemorrhaging. he sees it, but it doesn't mean he can actually stop spending. It's just little stuff like getting something from Wendy's for himself and our son, or going to see a movie, but it adds up.

How were you all able to convince your husband's to get on board and be FRUGAL, not just "not reckless."
post #231 of 378
geekgolightly, I think if you post your budget in the frugality forum a lot of the mamas can help you figure it out. Having a new set of eyes sometimes helps.

I alos think that you should have a "sink fund" for things like glasses, potential medical bills, etc. We have a small emergency fund of $1000 right now while we're paying off debt. But we also have a line item in our budget for car repairs, medical expenses (like co-pays or prescriptions), and our personal property taxes on our cars. We don't necessarily use these line items every month, so they build up from month to month.
post #232 of 378
Quote:
Originally Posted by FillingMyQuiver View Post
geekgolightly, I think if you post your budget in the frugality forum a lot of the mamas can help you figure it out. Having a new set of eyes sometimes helps.

I alos think that you should have a "sink fund" for things like glasses, potential medical bills, etc. We have a small emergency fund of $1000 right now while we're paying off debt. But we also have a line item in our budget for car repairs, medical expenses (like co-pays or prescriptions), and our personal property taxes on our cars. We don't necessarily use these line items every month, so they build up from month to month.
ill do it. i know that ill be sassed for my food bill. we eat lots of salmon adn shrimp but i plan on stopping that! when we have more spending power, we will be able to eat better.
post #233 of 378
My key:
No Spend
No Driving
Budgeted Spending/Necessities/Thought Over Purchase
Unnecessary Spending
: Exercise Day

April 1st- :
April 2nd- so not thrilled I spent money today, but dd did truly need some clothes, got great deals and stayed within a reasonable amount
April 3rd- was a bit of and
April 4th-
April 5th-7th- ON VACATION, x3
April 8th-
April 9th- $270 Vet bill for sick dog otherwise
April 10th- Ate Dinner Out
April 11th- if I don't buy more groceries for the next 10 days like planned Spent a ton at the grocery store, but shopped for more days than usual
April 12th-
post #234 of 378
Quote:
Originally Posted by FillingMyQuiver View Post
Something I've realized over the last few months is during the week, I do GREAT. But once the weekend comes, if we have errands that need to be run, we typically do them as a family, and that's where we get into trouble. I can stick to a list at the store, but DH and I together fuel each other when it comes to spending. We need to stop going into stores altogether.
Yes! And we eat out too - oh lets go out with our friends, or lets just grab something on the go, or I put this in the cart because we are almost out (never mind I could get it cheaper somewhere else). Maybe I need just a weekend envelope for spending.
post #235 of 378
DH was never a huge spender, but he's given up certain luxuries since we've gotten on the same financial page. I think if you come up with your goals together and lead by example things fall into place (or at least near place...).
post #236 of 378
Key:
no spend/ budgeted spending
unnecessary/ unbudgeted spending
hung laundry to dry

Goals for April
no spend days 9/20
eating out 1/3
hung laundry to dry 3/10


1.
2. ordered our homeschool curriculum for next year. I'm putting this here preemptively to encourage me to NOT SPEND when I go out later
3. $50 bread, eggs for dying, and the last of the Easter baskets things at WalMart
4.
5.
6. ordered the last of the things I need for DS1's dinosaur party, was able to stay under budget AND found an online coupon code to save on shipping, also ordered our sunblock/ bug spray for the year~ unprepared for how DS1's soccer practice being at 5:30pm would affect us and got McD's for dinner.
7.
8. ordered our math curriculum for next year, excited to get started planning next year's schooling
9. $15 on quick grocery trip
10. $$ at Costco, major grocery shop, overspent a bit on some snacks
11. $$ at party store. I only needed 1 thing, invitations, but of course the WHOLE family was w/ me, and DH saw a bunch of stuff he thought would be *great* for DS1's party : So we spent more than I planned on things I don't think we really needed
12.
post #237 of 378
Goals for the Month of April
1. No unplanned spending: 12/30
2. No eating out that isn't already planned for: 11/28
3. Bring in extra money from my business: 0%
4. 450 items decluttered: 22/450
5. 13 days with exercise in them: 6/13

Key:
- No Spend or only planned spending
- Unplanned Spend
- All meals eaten at home or shared with friends/family but didn't cost us anything
- Planned eating out
- Ate outside of the house (unplanned)
- Decluttered stuff out of the house
- Exercise

Apr 11:
Apr 12:
post #238 of 378
04/01
04/02
04/03
04/04
04/05
04/06
04/07
04/08
04/09
04/10 Icing spatula, hole punch & cotton candy $6.47
04/11
04/12

$6.47 Frivolously spent
11/20 No-spend days
12/30 Not buying clothes for my kids days
$32.22/$100 Son's birthday (this is for everything, including gifts & food. I can do this!)
6/10 Loads of laundry hung out to dry
$109.93/$500.00 Groceries
post #239 of 378
My goals & key:
= no unplanned spending or true no spend: goal = 15 days
= unplanned spending
= resisted a Tim Hortons or corner store run: 2 trips planned per week

1.
2.
3.
4.
5.
6.
7.
8.
9. - I am not doing well these last few days!
10.
11.
12.
post #240 of 378
My key:
no spend day=
unnecessary spending=
no driving=
eat at home=
Used cloth diapers=

Goals:
1. Only go shopping/errands 0/8
2. Stretch out FS money=$0/$514
3. no eating out for lunches this month 0/0
4. major clean (and keep clean) 1 room per week, getting ready for baby's arrival 0/4


Sun 11th-
goals=
1. 3/8
2. $239.71/$514
3.
4. nope, too tired 6/4

Mon 12th- -ate at Wendys for lunch-$6.23, overspent for son's b-day presents
goals=
1. 4/8
2. $373.61/$514
3.
4. nope, too tired 6/4
New Posts  All Forums:Forum Nav:
  Return Home
  Back to Forum: Frugality & Finances
Mothering › Mothering Forums › Natural Living › The Mindful Home › Frugality & Finances › April No-Spend Challenge ~ We're in the home stretch...