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~~September No-Spend Thread~~ We're in the HOME STRETCH....you can do it Mamas! - Page 4

post #61 of 413
Alright, here we go.

1. 8.87 for ice cream.

Oops. But we have 100/month for eating out, etc, so as long as we can stay within that... And actually I was feeling lazy about packing a lunch for the playground, then I hopped on this thread for a few minutes and got motivated, which saved me 10$ at Chipotle.

Tomorrow I am getting the side mirror on the car fixed. My parents gave us 200$ to get it fixed, but it is only going to cost 60. I kind of want to keep the extra but I think I feel too guilty.... Especially since my mom is buying my outfit for my sister's wedding too. I am *very* glad to have such generous parents!

I am also going to grocery shop for our Labor Day camping trip tomorrow. My mom and I divided the grocery list so we are each buying half the stuff.
post #62 of 413
How does this work? Does it count as a no-spend day if we only make budgeted purchases, or is that literal? Because today we spent £2.50 on bus fare to the park.

Also, do you track your partner's purchases, too?
post #63 of 413
I thought you guys could commiserate... Next week $1900 on new tires for the minivan. Plus it has to be serviced. Ugh. We unknowingly bought a Odyssey with the PAX tire system. Turns out the tires suck and cost an arm and a leg to replace them.

This means I'll be paying $2800 on the cc and putting $500 in savings, as opposed to $3000 and $1000.

Right now we don't have a car which means no going out and spending money I don't have right now. I can't drive the van until we get new tires put on it. Still waiting on the part we need to fix DH's car. It has a donut on it but I am going to drive it into town tomorrow to get groceries. Then we are stuck at home. We should get lots done!
post #64 of 413
Quote:
Originally Posted by SoulCakes View Post
How does this work? Does it count as a no-spend day if we only make budgeted purchases, or is that literal? Because today we spent £2.50 on bus fare to the park.

Also, do you track your partner's purchases, too?
I'm new to this thread but I think you make it work how you feel comfortable. Everyone has their own goals and ways of tracking spending. I am only worrying about the goals I have set for myself which do not include some major planned purchases this month. I am tracking the allowance that DH is getting since that is a new system for both of us and it is in cash so easy to keep track.

Not off to a terrific start but my mom is still in town until tomorrow morning so I blame her. Tomorrow will feel like the true start of the month for me although I will need the car for the second day in a row to get her to the airport.

Spent $5.58 at the grocery store to pick up a couple of things on sale before the flyer ends.

Missed out on my exercise too.

Meals Out: 0/2
Ice Cream 0/1
Car Days 1/8
No-Spend 0/15
Budget $5.58/$400
Exercise 0/30
post #65 of 413
Ok, had to turn the a/c on. It is HOT here. We are literally lying in puddles of sweat up in my bedroom. I bumped my a/c usage up to 5 days allowance this month. I think we can do it if this heat wave breaks in the next day or two.


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Goals:
1/20 no spend days
0/10 stay home days
0/30 Cans of stockpile food eaten
create and start using an envelope system
1/30 not use the dryer (actually haven't used it at all in over a month already
0/25 not use the a/c (my apartment is obscenely hot upstairs)
post #66 of 413
Quote:
Originally Posted by SoulCakes View Post
How does this work? Does it count as a no-spend day if we only make budgeted purchases, or is that literal? Because today we spent £2.50 on bus fare to the park.

Also, do you track your partner's purchases, too?
I agree with trumpcard--you make it work however you need it to. I don't track DH's spending. That would make both of us insane! And I monitor and record my planned spending (when I've participated in the past, that is), but I don't consider it "falling off the wagon," so to speak.
post #67 of 413
Hi

What a great idea, & very timely for me. I hope I can keep it up!

Today worked out to be no-spend for me. On the other hand, I didn't do much. Walked a mile instead of driving it.... didn't bring any money with me, and so, could not make any purchases.

1. NO spend Woo Hoo great start
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Needing to live on as little as possible for now, whatever it takes to do that. At the very least, I hope to be cutting down on waste. Or at least blind waste, lol.
post #68 of 413
Ugh I found out that the $237 water bill (it was actually for 4 months, the bills got messed up since I opted for online bills only and well, forgot) I thought I had paid last month doesn't actually get paid from the checking account until this month, stupid mycheckfree.com, this always happens with them it is so hard to use their system.

So that combined with the $240 car registration means I really, really, really need to stay on budget. Luckily hubby is super-motivated to not spend any money until we get our cushion back. No-spending is a lot easier with everyone on board.

How does everyone count their automatic payments for stuff like loans and insurance, does it still count as a no spend day even if those things get taken out?

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post #69 of 413
31. $2 admission, $1.50 ice cream, $1.50 coffee, $4.75 meat on a stick, $3 bus fare, $22 ride wrist band

Didn't do too bad at the fair. Brought our own food so did well there. However I bought my son the wristband for unlimited rides and he ended up only wanting to go on a couple. So lost money there, but how was I to know? I bought the band last week at a discount and last year he wanted to go on several rides so I figured this year he would go on more, but he did not.

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post #70 of 413
Okay, here we go! I'm not including bills here, just discretionary spending.

1 Groceries: $144.56
Target: $55.03 for dog and cat food, freezer bags and milk
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Goals:
0/5 days of no driving
0/2 dinners out
0/4 lunches out
post #71 of 413
Quote:
Originally Posted by goldingoddess View Post
How does everyone count their automatic payments for stuff like loans and insurance, does it still count as a no spend day even if those things get taken out?
When we get paid Friday, I will sit down and determine what all comes out of this check. I will do a calculation with all of those numbers and write out the necessary checks to cover those things. I will count the automatic payments then since I am mentally deducting those numbers from my account.

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.

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On another note, I was looking at the place where we'd like to move yesterday, and it made me re-energized to work on paying off debt and getting prepped for the move, so I'm excited about that.
post #72 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.
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Key:
No Spend Day:
No Unplanned Debit Card Use:
Budgeted Spending:

Tracking:
No Spend Day: 0/10
Dining Out: 1/10
Groceries: $0/$290.00
post #73 of 413
1: $2.67 for a book. I paid with the change from my purse Tried to buy another book but couldn't find it anywhere! Took a car load of stuff to my friends garage sale. Yay for getting junk out of the house!

2: Deep cleaned the small bathroom. Yuck. Going through some fall clothes for consignment.

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post #74 of 413
Quote:
Originally Posted by goldingoddess View Post
How does everyone count their automatic payments for stuff like loans and insurance, does it still count as a no spend day even if those things get taken out?
I generally don't count that stuff since bills are things I have no choice to pay or not.
post #75 of 413
Thread Starter 
Quote:
Originally Posted by SoulCakes View Post
How does this work? Does it count as a no-spend day if we only make budgeted purchases, or is that literal? Because today we spent £2.50 on bus fare to the park.

Also, do you track your partner's purchases, too?
This thread has no rules. Everyone tracks things differently -- you choose how you want to record things. You can track your partner, you can not track your partner. All up to you.

I only track what I consider ~unnecessary~ purchases. Bus fare to a park I wouldn't count.
post #76 of 413
Thread Starter 
I allowed myself 10 spendy days and it looks like I'm going to use them all up right off the bat.

We're going to the fair tonight and I would like to say that I won't buy anything, but I'm already fantasizing about deep-fried fair food corn dogs fried dough with chocolate sauce, ice cream.....mmmmm....

My diet and my budget are put on hold tonight. haha!


01.. $4.99 Danish for party, SOS
02.. I don't know the exact total, but money will be spent.
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My goals:

0/20 No Spend Days
0/10 Let the Car Rest Days
1/20 Stay Out of the Stores SOS (this includes on-line shopping)
post #77 of 413
September
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My Goals:

2/20 No Spend Days
Track Unnecessary spending $0
post #78 of 413
I think I'm going to track all of my spending, frivolous or not, just to get a real handle on how much I'm actually spending. I know I still have to get DD's backpack, scarf, and ballet outfit for her school uniform, as well as a few other things, I'm sure. It helps to see it all in writing.

September

1: £2.50 for the bus
2: £82/400 for groceries

And, guys? I've actually been so much happier with the house now that I've told myself not to buy anything new. Before I would look around and think, "Ok, we need to put a little table in that corner and get a new lamp for the living room," but now I just feel fine with things the way they are. I think I'm just framing these things as a "want" now instead of a "need".
post #79 of 413
WooHoo! A new month!

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

$0/ $560 groceries and household
$0/ $120 unnecessary spending

0 / 20 meals cooked at home
post #80 of 413
KEY:

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

0/1 meals out
0/15 no spend days


1: DH spent $150 on a rim for his car so we can fix the flat tire
2: groceries
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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!