or Connect
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!
New Posts  All Forums:Forum Nav:

~~September No-Spend Thread~~ We're in the HOME STRETCH....you can do it Mamas! - Page 11

post #201 of 413
1: $80 household (PTA membership, School lunches, gift)
2: NS
3: food out $8, travel $97 (yikes)
4: food out $10
5: food out $7
6: gas $32, food out $16, household (gift) $25, groceries $116
7: yarn $9 - unplanned but necessary to finish the poncho I'm knitting for DD1
8: NS

Big spendy day, did lots of shopping, all budgeted for.

Does anyone else try to get all their shopping/errands done in one day? Does this help you spend less?

This is new to me, but I'm thinking that if I can get all my shopping covered in one day each week, then I really have no reason to go to any stores for the rest of the week. It makes for a tiring day, though, especially for my 4 yo DD who went with me to Trader Joe's, QFC (like Kroger), Costco (to return something, not shop), the pharmacy, the craft store and a restaurant to buy yet another gift certificate (this time as a thank you for some very good family friends.) DD2 really was a trooper and didn't complain. And the good news, we should be stocked now on groceries for at least 7-9 days (I will try to make it to 9/17) and have no more reasons, at least that I can think of now, to shop for anything else until then, either. Maybe now I will start working on that exercise goal....

Anyway, here are today's numbers:
9: groceries $131, supplements and skin care stuff $40, household/gift $82

10:
11:

Goals:
2/20 No-spend days
247/600 groceries
41/100 food out
236/250 household
2/10 Exercise days
2/4 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 #202 of 413
Quote:
Originally Posted by ltlmrs View Post
1. I canceled my membership. I found out that was the only way I could limit myself to how often I go there, otherwise I could go once a week and end up getting stuff I don't need. Now I go with my mom once or twice a month.

2. I made a very limited list of things that I can only buy significantly cheaper there and in quantities that would last us until the time I would buy that product (which wasn't always on the next Costco trip). Some things Costco carries that we would not be able to afford otherwise: cheese, for example, or bottled organic lemon juice that we put in our water. Other things just don't make sense even if they are cheaper: sour cream for our family. We will go through a container of sour cream in one or two weeks regardless of whether it is 3 lb or 1 lb.

3. I figured out exactly how long a product should last us and when we run out, oh well. I will buy Parmiaggiano Regiano once every three months. I buy four pounds of cheddar that lasts us a month for eating and cooking with (grilled cheese, grated in casseroles, etc). At first, I would cut the cheese into weekly portions in baggies. Now, I can just estimate.

4. I don't buy the same things on every trip. I stagger. So, I'll get household goods one trip (once again only if they are significantly cheaper: I don't coupon so some things like toilet paper and garbage bags really are much cheaper), then cheese and butter, then pantry items like peanut butter. I set a limit for each trip of around $50 and I don't go over that amount.
These are awesome. I am totally going to try the baggies, especially with the cheese. DH may think he married a crazy woman.

Sometimes I think it doesn't matter where I shop for groceries, as long as it isn't the HFS. When I am at our neighborhood stores, I read the flyers, watch the sales, coupon, and buy conventional - hoping to get it for the same price as Superstore. When I am at Superstore, I buy organic and probably get suckered into the baby clothing department.
post #203 of 413
Went out yesterday evening to pick up some household things-Lansinoh, light bulbs, and DH picked up a polo shirt and shorts on sale ($2.50 for the shorts and $3.74 for the shirt!) Total cost: $25.46

Costco today, it will be an average size stock-up trip, hopefully to last us for several months.

I did exercise yesterday too!

Meals Out: 0/2
Ice Cream 0/1
Week-Day Car Days 2/8
No-Spend 4/15
Budget $108.35/$400
Exercise 5/30

Unplanned Spending: $51.45
post #204 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. Just bought fuel today.
8. Some budgeted spending plus a treat for me because I was having a crummy day. Spent less than $22 on everything so my treat doesn't bother me.
9. Used one of our budgeted eating out meals today. I did so much cleaning around the house that I was wiped last night. No chance of me cooking.
10.
11.
12.
13.
14.


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: 7/15
Dining Out: 2/10
Groceries: $134.87/$290.00
post #205 of 413
September
1 -
2 -
3 -
4 -
5 -
6 -
7 -
8 - $2 for pizza slices (it was for charity, but still didn't need it)
9 -


My Goals:

8/20 No Spend Days
Track Unnecessary spending $2
post #206 of 413
Thread Starter 
We're getting our cat today, so that will be $75 for his adoption fee -- I know you can get cats for free if you hunt around, but we want this particular one and think that is money well-spent...but still, since you CAN get them for free, I'm going to count it as unnecessary spending.

01.. $4.99 Danish for party, SOS
02.. $45 fair food
03.. , SOS
04.. $5 Starbucks
05.. $5 Again with the Starbucks
06.. $17.50 Corn Dogs at the fair, SOS
07.. , SOS
08.. , SOS
09.. $14 Wendy's
10.. $75 cat
11..
12..
13..
14..
15..

My goals:

3/20 No Spend Days
0/10 Let the Car Rest Days
6/20 Stay Out of the Stores SOS (this includes on-line shopping)
post #207 of 413
Thread Starter 
re: Costco debate...I've been having that debate myself recently. We joined to save money, but we buy a LOT of stuff there that I wouldn't otherwise buy. Organic, gourmet, etc.

I do think Costco is cheaper for those items...but would I buy them at a regular grocery store? Would I even SEE them there?

re: shopping once a week. I'm trying to do that too. So far, not so good, but that is my GOAL.
post #208 of 413
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
7: no spend
8: $74 groceries
9: no spend
10: $6 parking at dentist - First purchase on personal bank acct this month. Pretty good track record so far, but booooooo. Why do I have to blow it on something lame, instead of a double chocolate brownie w/ espresso?

464/500 joint account (household)
$6/0 personal account
post #209 of 413
1.no-spend
2.35.87 groceries and household
3. $28 on gas
4. $40 at farmer's market $38.51 on cheesecake and baking supplies, $16.47 on alcohol for cooking and hubby's birthday and $31.84 on medicine for me and treats for hubby's birthday
5.$11.34 on alcohol at TJs $59.18 dinner out for hubby's b-day $54.74 on treat for hubby's b-day $6.56 at CVS for eyedrops, $2.80 on amazon (hubby purchase) $6.85, rolling tobacco for hubby (he buys this like 4 times a year)
6.$18.78 picnic food for beach day, $27.99 on Otterbox case (think toddlerproof) for my new (hand-me-down) I-phone.
7. no-spend
8.$30 dog food
9. no-spend
10. no-spend

We really went overboard for hubby's b-day
post #210 of 413
Took friends out for pizza last night. A friend is going through some difficult medical stuff and it was a needed night out. The electric bill came in way under budget (yeah for line drying), so I had a bit extra in the budget.


Sept 4 --
Sept 5 --
Sept 6 -- 6.00 parking
Sept 7 --
Sept 8 --
Sept 9 -- 2.11 shipping, 23.31 pizza
Sept 10 --

Remaining grocery money -- 85.81
post #211 of 413
Quote:
Originally Posted by Crunchy*VT*Mom View Post
I do think Costco is cheaper for those items...but would I buy them at a regular grocery store? Would I even SEE them there?
I don't buy anything there that I wouldn't buy elsewhere. The Parmiggiano which is our family's only "splurge" is what we would buy at Whole Foods or the Italian grocery anyways, but probably just buy a lot less (it's a difference of like $5/lb!) or maybe instead I'd buy local raw cheese which goes for about the same price as the imported stuff at Costco. It takes me 10 minutes to go through the entire store and 10 minutes at the checkout. I'm done in 30 minutes max and I don't even go into sections that carry things I don't need. I used to and there were a lot of impulse purchases. I really think that's the key: keep those blinders on

I know one woman who sends eldest son in with a list. He's not likely to get caught in the housewares section (but, Mom, they had glass tupperware for only $35 for a whole box!!!).
post #212 of 413
1: $80 household
2: NS
3: food out $8, travel $97
4: food out $10
5: food out $7
6: gas $32, food out $16, household $25, groceries $116
7: yarn $9
8: NS
9: groceries $131, supplements/skin care $40, household $82
10: NS
11:

Today was a no-spend but I found myself surfing landsend.com and ebay. Always risky. I do this out of boredom, realized it and decided to bake bread instead, listening to pandora. Satisfying.

Goals:
3/20 No-spend days
247/600 groceries
41/100 food out
236/250 household
2/10 Exercise days
2/4 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 #213 of 413
Thread Starter 
Quote:
I know one woman who sends eldest son in with a list. He's not likely to get caught in the housewares section (but, Mom, they had glass tupperware for only $35 for a whole box!!!).
That made me laugh!
post #214 of 413
[QUOTE=Pumpkin_Pie;15826227]Easy day once again. Apparently I just need to work all day, every day and I will hang onto all of my $$. I actually sort of made plans for some unnecessary spending next week though while I was at work. I am going to buy DS a super nice wooden kitchen that was originally over $150 and is marked down to $60 and I get a decent employee discount on it, plus I am going to sell his cheapie one. He has been begging for a play sink to go with his stove, and this one will have one. I figure I will only be out around $20 at the absolute most in the end. I hate his stove and this one will be so beautiful, that I am going to do it, but not until next week though.

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
6.
7.
8. $2.14 ice cream treats for DS and for me.
9.
10.
11.
12.
13.
14.
15.


Goals:
5/20 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!*
9/30 not use the dryer (actually haven't used it at all in over a month already
7/25 not use the a/c (my apartment is obscenely hot upstairs)
post #215 of 413
Okay, I'm starting tomorrow. Today we had to buy birthday gifts & a new guitar for our son, who starts guitar lessons on Tuesday, then my husband thought it would be a brilliant idea to buy ribeye steaks to grill for supper, so yeah. Stupid spending today. Starting tomorrow
post #216 of 413
Thread Starter 
Hmmm...I'm having a very hard time this month. I seem to have gotten solidly back in the habit of spending money every single day. That has ALWAYS been a hard habit for me to break.

I'm not sure where I'm going to change things, but I can now see that I'm having a problem with this.

Hmmm...need to think about where to make changes.

(Oh I know -- the Starbucks $40 a month is a glaring spot, but it is a weekly ritual with my daughter and...okay, you are right. I need to develop a cheaper ritual)

01.. $4.99 Danish for party, SOS
02.. $45 fair food
03.. , SOS
04.. $5 Starbucks
05.. $5 Again with the Starbucks
06.. $17.50 Corn Dogs at the fair, SOS
07.. , SOS
08.. , SOS
09.. $14 Wendy's
10.. $75 cat
11.. $5 Starbucks
12..
13..
14..
15..

My goals:

3/20 No Spend Days
0/10 Let the Car Rest Days
6/20 Stay Out of the Stores SOS (this includes on-line shopping)
post #217 of 413
Thread Starter 
Quote:
Originally Posted by becoming View Post
my husband thought it would be a brilliant idea to buy ribeye steaks to grill for supper
Mmmm...

Quote:
Originally Posted by Pumpkin_Pie View Post
Apparently I just need to work all day, every day and I will hang onto all of my $$.
Did you start your new job?

Quote:
Originally Posted by nwmomof2 View Post
Today was a no-spend but I found myself surfing landsend.com and ebay. Always risky. I do this out of boredom, realized it and decided to bake bread instead, listening to pandora. Satisfying.
I shop on-line when I am bored too. Very dangerous. Craig's list is also quite dangerous for me. Good for you realizing what you were doing and consciously changing your behavior.
post #218 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. Just bought fuel today.
8. Some budgeted spending plus a treat for me because I was having a crummy day. Spent less than $22 on everything so my treat doesn't bother me.
9. Used one of our budgeted eating out meals today. I did so much cleaning around the house that I was wiped last night. No chance of me cooking.
10. Bought groceries and supplies for DH to change the oil in the car. Can't say it was too great a day, though, since DH also bought a used riding lawn mower. I know it was a smokin' deal I just hate making big purchases.
11.
12.
13.
14.


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: 7/15
Dining Out: 2/10
Groceries: $160.17/$290.00
post #219 of 413
DH just told me that his work is already slowing down. His job tends to be slower in the winter, but doesn't usually get slow THIS early in the season. My work is always asking me if I want to sign up for extra hours, and I usually say no. Guess I'll be begging for the extra hours in 5 weeks, when the next schedule comes out. I've got a decent cushion built up in savings, from working so much this summer, so I'm not super concerned (yet).

We also have some really big, necessary spending coming up (propane tank, fuel for winter, and fall property taxes), so all the more important to stick to the budget on the things that I CAN control.

DH is staying busy evenings and weekends, cutting firewood for the winter, to reduce the amt of fuel we will have to buy to heat the house this winter. My parents have all kinds of fallen trees that he is going to cut up today.

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 $56 groceries
8
9 $149 groceries, $5 homeschool items, $1 spray bottle toy for DD $26 gas
10
11
12...



Goals:

Groceries $352 / $500
Gasoline $67 / $120
My fun money $9 (netflix) / $40
Kid clothing/items $1 / $40
Homeschool $5 / $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 8 / 20
Hang laundry out 6 / 10
Unplanned spend
post #220 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) /
11)
12)
13)


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
New Posts  All Forums:Forum Nav:
  Return Home
  Back to Forum: Frugality & Finances
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!