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~~September No-Spend Thread~~ We're in the HOME STRETCH....you can do it Mamas! - Page 8

post #141 of 413
Thread Starter 
Quote:
Originally Posted by Pumpkin_Pie View Post
No, not for the job. There is a chance that an housing co-op that I really want to move into will have an open unit within the next few months and I am toward the top of the waiting list.
Yeah!!!! Good luck!!!! And look at you, hottie Mama, up there at the top of the thread. That is a GREAT picture of you, MDCer of the month!!!

Quote:
Originally Posted by trumpcard View Post
the last "moving into a new house" expenses but somehow we keep finding more that we need. The flashlights are for emergency preparedness in our new home and likely important as we head into winter but I am so frustrated by all the unseen expenses in our cross-country move.
Moving is always SO expensive. Lots of unforeseen costs. We've moved a lot in the past several years and it always suprises me.

Another use for the flashlights -- one of my friends introduced me to the idea of flashlights as clean-up tools. Her daughter hates to pick up her room, but if she turns off the lights and hands her a flashlight she'll stay in there and pick up until all the dominoes are gone!

Quote:
Originally Posted by Ruthiegirl View Post
Add all of that up....and we are now broke! Like really broke. Dh and I went over the budget and he was gasping for air. We have no money to spend this month.
Yeah Ruth!!! I was missing you. It is not the no-spend thread without you on here. Oh I'm broke too. Stuffed turkeys and wooden owls aside, we literally have $56 in the bank until DH gets paid on the 15th. It is self-imposed brokeness. I sent off an extra mortgage payment bright and early this month because if it is not in the bank, I can't squander it. Fingers crossed this works because otherwise things are going to be tight.

Quote:
Originally Posted by Turquesa View Post
It's a hard issue, isn't it? I try to discipline myself to get just black coffee, and I do NOT feel guilty bringing in my own little snack if they only have sugary pastries.
Isn't that the truth?! I try to discipline myself and get only hot cinnamon spice tea, which is under $2...but lately discipline has been lagging and I've become addicted to fancy espresso drinks. I should do like you and go back to the black coffee.

Quote:
Originally Posted by nina_yyc View Post
I went through a lot of kids' clothes and outerwear this week and realized that they probably don't have enough for the winter. Their b-days are both coming up in November/December so hopefully they can wait that long.
I think $30 is a good price for a raincoat that can be worn into next year. Raincoats last a good long time. I had to do the clothing inventory last month too. And we had to go buy some fill-ins for their wardrobe too. I figure that is a necessity. Kids grow. I have to remember to budget for that.

Quote:
Originally Posted by nadia105 View Post
For those thinking about the overhead for coffee shops, it is huge! I wokr for an in dependent one, and our espresso machine cost $15K and it only pours 2 shots at a time! I know in our case, the build out costs of the space my boss rents were astronomical, so even though we do a good business, there isn't much if anything left over.
This is a Starbucks, so a national chain, BUT they are in a Barnes and Noble and I don't know if you guys have been following this in the news but B&N is HURTING financially. People just don't buy books in brick and mortar stores as much anymore (electronic books and the internet are making more money) so all the bookstores -- even the big boxstore chains -- are taking big hits. I don't want this store to go out of business!!!! So I'm giving them my money. I need them to stay there.

Quote:
Originally Posted by VisionaryMom View Post
We spend a lot of time at a local coffee shop. I've complained to the members of a board I'm on because there are 10 of us, and I'm usually the only one to buy anything. It's just rude to take up a huge table and not spend
I'm glad you said something. You are doing the right thing by that shop. Even if it is a national chain, the person who manages it and the people who work in it and often the person who owns the franchise are local individuals.

Quote:
Originally Posted by melissel View Post
Argh!!! Such an annoying day, financially. The expensive housewarming gift we bought for friends (a Wii) seems to be broken,
Grrrr! That IS frustrating!
post #142 of 413
Quote:
Originally Posted by Crunchy*VT*Mom View Post
Yeah!!!! Good luck!!!! And look at you, hottie Mama, up there at the top of the thread. That is a GREAT picture of you, MDCer of the month!!!


I was super excited when they asked me, but it is absolutely official. I spend WAAAAAYYYYYY too much time on here. Plus it comes with a free print subscription, which is fabulous!
post #143 of 413
Quote:
Originally Posted by Crunchy*VT*Mom View Post
Yeah Ruth!!! I was missing you. It is not the no-spend thread without you on here. Oh I'm broke too. Stuffed turkeys and wooden owls aside, we literally have $56 in the bank until DH gets paid on the 15th. It is self-imposed brokeness. I sent off an extra mortgage payment bright and early this month because if it is not in the bank, I can't squander it. Fingers crossed this works because otherwise things are going to be tight.
Awwww.....thanks, Prudence. Sending an extra mortgage payment? That's fantastic!! That is my dream when I am done with school and working again. In the meantime, I will join you in living cheap. We will be eating a lot of rice and beans while I limp my way towards an RN. So, no buying anything!

Yesterday went fabulously well. Dh kept working in the bathroom. I think we might actually get that project done! Hooray. We have been living with a half-completed bathroom for ages.

I cleared out the fridge and made a meal plan for the week. I can get by while buying very little this week. I have one chicken and a dozen eggs. I'll need to buy cheese, corn tortillas, and a few fruits and veggies.



Our meals this week:

Turkey meatloaf, potatoes
Frittata
Chicken, potatoes, random veggie from freezer
Rice and red lentils
Split pea soup
Chicken enchiladas
Black bean tostadas

I think we pack a lunch and go to the beach today. We have been home for the past few days and could use a family day to celebrate the end of summer.


Sept 4 --
Sept 5 --
Sept 6
Sept 7
Sept 8
Sept 9

Remaining grocery money -- 158.78
post #144 of 413
Ooooooo....just came in from the garden. I found 6 huge, gorgeous butternut squashes. My absolute favorites. Looks like a nice batch of soup coming my way. I love free food!

Also, a huge mess of basil to make pesto and I found a large number of tomatoes that will be ripe in the next day or two. I think I will have enough to make can another batch of spaghetti sauce.

I might not need my total grocery budget.
post #145 of 413
Quote:
Originally Posted by Ruthiegirl View Post

I might not need my total grocery budget.
This is my dream. Actually, my dream is to lower my grocery budget and then not need the whole thing!!

Sunday: no spend!!!
and I got in some good exercise!


Meals Out: 0/2
Ice Cream 0/1
Week-Day Car Days 2/8
No-Spend 2/15
Budget $72.44/$400
Exercise 3/30

Unplanned Spending: $51.45
post #146 of 413
1: $2.67 book.
2: $11.03 for dinner. $29.76 for groceries. $50 in savings.
3: Took out $40 for weekend cash. Weekends are usually big spends for us so hopefully this will help. $25.59 @ Target, diapers (need) and tool (want). At least is was 1/2 off.
4: $25.66 for groceries. Mostly stuff for a party we were invited too. This $350 grocery thing might not happen.
5: no spend!
6:
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9:
10:

$55.42/350 groceries
post #147 of 413
KEY:

= No spend
= Necessary/budgeted spending
= Unnecessary/-non-budgeted spending

1: Paid phone bill
2: $82.00 in groceries!!!!! (I didn't think I was capable! ) and $8.58 for budgeted lunch out with family. $20.00 used jammies for DD, shoes for kids.
3: $15.00 on a rocking horse. Trouble with garage sales is that you can still do unnecessary spending and justify it because it's cheap. .

Took out $200.00 cash for an upcoming road trip. I'll try to track stuff while I'm gone!
4: $25.00 gas, $3.00 "obligatory" purchases to justify using gas station bathrooms.
5: Although to be fair, my spendthrift MIL insists on buying us EVERYTHING!!
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post #148 of 413
Quote:
Originally Posted by Ruthiegirl View Post
Ooooooo....just came in from the garden. I found 6 huge, gorgeous butternut squashes. My absolute favorites. Looks like a nice batch of soup coming my way. I love free food!
And I love butternut bisque, roasted butternut with maple syrup drizzled over it, butternut biscuits.....lucky lady! You have something so cheap yet so "gourmet."
post #149 of 413
September

1: £2.50 for the bus
2: £82 for groceries
3: £3.60 for the bus, £3.95 uniform exchange, £20.50 groceries
4. first no-spend, yay!
5. £3 for coffee and ice cream at the park (last day before back-to-school!) & £60 budgeted purchase
6. £3.60 for the bus, £2.75 for ice cream and coffee at the park, £1.50 for DD's school swimcap, £6.40 for groceries for tonight's dinner. Today's total: £14.25

Remaining grocery fund: £291.10

Haven't eaten out in 11 days, yay!

Key:

No-spend day:
No eating out:
post #150 of 413
Quote:
Originally Posted by Hollysmom View Post
September
1 -
2 -
3 -
4 -
5 -


My Goals:

5/20 No Spend Days
Track Unnecessary spending $0
Hollysmom has this zen no-spend business down pat.
post #151 of 413
No spend plans for this week: I need to make applesauce from our free apples, organize yard sale stuff for later this month, and take kids to library. Also need to clip coupons, as I finally have time again!

8/30 - $147 groceries
8/31 hung out at my mom's
9/1
2 Played in the creek with the kids- free!
3 Picked 3 free buckets of apples thanks to neighbor lady! Yummy, and a workout too!
4 $41 gasoline
5
6
7
8
9
10
11
12...



Goals:

Groceries $147 / $500
Gasoline $41 / $120
My fun money $9 (netflix) / $40
Kid clothing 0 / $40
Homeschool 0 / $10 (lots of free fall activities!!)
Gifts 0 / $20 (1-2 bday gifts this month)
Money paid to car loan!! 0 / $500
No spend days 5 / 20
Hang laundry out 4 / 10
Unplanned spend
post #152 of 413
1) (rent $450)
2)
3) / (DH gas and other crap, McDonalds- DH again, itunes-hmm DH again!)
4) / (we went WAY over on groceries)
5) (more unnecessary crapola)
6)
7)
8)
9)
10)


Goals:
= no spend day
= budgeted spending
= not budgeted/unnecessary spending

$300/ $560 groceries and household
$80/ $120 unnecessary spending

2 / 20 meals cooked at home
post #153 of 413
31. $86.47 groceries, $27.48 gas
1. $18.75 groceries, 29.53 gas and ; but $1.05
2.
3. $47 groceries and rent
4. The gas from Sept. 1st was enough to get us there and we brought snacks.
5. $30.58 gas
6. $19.93 total at a used book store: DH had to get a book for work, so that's okay, but we spent $10 on lunch and coffee when we could have brought both with us for the trip back

September Budget & Goals:
$153.27/$300 food (food budget dropped from $350 upon a revision of the food budget)
1/0 eating out day
$19.93/$60 miscellaneous expenses ($30 haircuts; Ladybug needs onesies and pajama sleepers for winter, I need fall shoes; DH's dry cleaning - need to keep reminding myself so that I don't think of the $60 as fun money... Okay, well I guess I'll have to wait till October to get stuff for Ladybug, unless I get enough Swagbugs )
$87.59/$300 gas

I have $45.41 left for all of our expenses until I get my paycheck on Friday. That $19.93 really messed us up because we weren't supposed to have any miscellaneous spending until after DH's second paycheck in September since there are fewer bills due after the 15th.
post #154 of 413
1. Spent the day with my sisters and only spent money that I had set aside in August for the day ($20.00). I also had enough left over from the $20.00 to cover supper with DH.
2.
3. Grocery shopping day. I spent more than normal for a two-week period but I'm trying to stock up for when the baby comes so I'm not too concerned.
4. Spent money. Didn't buy anything foolish...it just all added up to way more than I wanted it to.
5.
6. No stores were open so no money was spent. I think there should be a national holiday every week.
7.


Key:
Complete No Spend Day:
No Unplanned Debit Card Use:
Budgeted Spending:

Tracking:
Complete No Spend Days: 3/10
No Unplanned Debit Card Use Days: 5/15
Dining Out: 1/10
Groceries: $134.87/$290.00
post #155 of 413
1: $27 - I bombed on the first day out. We ended up out longer than we thought and ate out. Still, $27 isn't an awful price for dinner for all of us. We ate at a local place.

2:

3: We spent lots today, but it all was planned. Totals: $260 groceries; $50 oil for car; $36 fundraising lunch; $500 bills; $10 kids' allowances, $27 household supplies.

4:

5:

6: - A row of smilies! $40.53 gas for the car; then $28 at the grocery store - about 1/2 planned, 1/2 impulse purchases; worked on getting all medical and other small bills together

Key:
- No Spend
- Planned Spend
- Unplanned Spend
- Worked on a Goal

3/10 No Spend Days

I will be working on bills to send out in the mail tonight or tomorrow morning. We are just drowning in medical bills right now w/ more to come. Bleh. I hate it.

OTOH, DH has been borrowing a neighbor's car (long story), but it needs some work. That means we're a one-car family right now until at least December, depending on how quickly we can save money. I've never, ever had a car payment, but we will have to unless I can convince DH to wait it out. So I'm determined to make being a one-car family as painless as possible for him. On the plus side, the kids & I have limited spending options if we're at home! We'll only have the car once a week, and we will learn () to take the city bus once a week, which will cost 50 cents per ride. (Kids are free!)
post #156 of 413
So far, so good.....

September
1 -
2 -
3 -
4 -
5 -
6 -

My Goals:

6/20 No Spend Days
Track Unnecessary spending $0
post #157 of 413
Easy day today. I went to work (for my first day! ) and came straight home. I did buy an apple at a store on the way in, but used my EBT card, so I don't count food purchases, as long as I don't go over my monthly allotment. I also used up a bunch of canned goods from my stockpile tonight, packed lunch for tomorrow at work, and also made enough leftovers for dinner tomorrow and maybe lunch on the day after. Woo Hoo!!!


1.
2. $1.07 Redbox DVD (hung laundry out today!)
3. $.75 on a bottle of water. I forgot my EBT card at home and had to pay cash.
4. $3.19 on garbage bags, used dryer and didn't use up any canned goods. *sigh*
5. $11.50 at JoAnn's, $1 at McDonald's, $2.14 Redbox DVD
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Goals:
3/20 no spend days
2/10 stay home days
13/30 Cans of stockpile food eaten
create and start using an envelope system *my first payday is 9/16, so I plan to start this on that day!*
6/30 not use the dryer (actually haven't used it at all in over a month already
4/25 not use the a/c (my apartment is obscenely hot upstairs)
post #158 of 413
1: $2.67 book.
2: $11.03 for dinner. $29.76 for groceries. $50 in savings.
3: Took out $40 for weekend cash. Weekends are usually big spends for us so hopefully this will help. $25.59 @ Target, diapers (need) and tool (want). At least is was 1/2 off.
4: $25.66 for groceries. Mostly stuff for a party we were invited too. This $350 grocery thing might not happen.
5: no spend!
6: no spend!
7:
8:
9:
10:

$55.42/350 groceries
$11.03 eating out

I think my cash for the weekend thing could work. $40 a weekend is alot but it is less than we spend if we just use our debit cards. So I will start there and see how I do I guess.
post #159 of 413
Okay, we went out of town for the long weekend, and even though I did not have any no-spend days, we did pretty well overall, considering we were traveling. Here it is:

3: coffee/snacks $8, gas/parking/ferry $97 (gas was a fill-up for my FIL who generously lets us use his car while we are visiting the island)
4: food out $10
5: snacks/coffee out $7
6: gas $32 (our car this time), lunch out $16, gift for in-laws $25, groceries $116 (included stocking up on sale items) yikes - sounds like a lot, but in the budget!

But I long for another no-spend day. Tomorrow will be a garden and home-y type day. I'm planning to harvest some potatoes and the last of the strawberries and blueberries; also make yogurt (lots of milk in fridge and more delivered tomorrow) and zucchini bread (to use up some zucchini). No trips to the stores and no spending planned!

1/20 No-spend days
116/600 groceries
41/100 food out
2/10 Exercise days
1/4 Grocery shop 1 day/week only. No extra trips to stores.
0/0 No clothing purchases for me or kids
0/$500 in savings
post #160 of 413
Good weekend. DH did some spending but it was from his budgeted 'allowance' so not counting it. He also went to Cash Coverters to get rid of some old watches he doesn't wear anymore. He got $65 which more than paid for our trip to the corn maze today. I also got a call from the baby store and found out I got $20 for the diapers I consigned. Yay!

DH and I looked at some properties online last night since we've recently solidified our goal of moving in the next couple of years. Right now we are downtown in a small apartment and I have my sights set on a community 5 mins away. It was originally built in the 1930s and has lots of affordable infill town homes and fixer uppers. 3 of DD's friends live there and it seems like a good place for young families, good choice of schools and a city pool. We are waiting to save up more $ for the down payment since most of the homes are pricier than our condo, and also for our condo board to settle a lawsuit with the builder

1: $280 Costco
2: $65 Groceries, $30 raincoat for DD
3: $15 HFS - sugar & teething tablets for DS
4: no spend
5: no spend
6: no spend

$390/500
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Mothering › Mothering Forums › Natural Living › The Mindful Home › Frugality & Finances › ~~September No-Spend Thread~~ We're in the HOME STRETCH....you can do it Mamas!