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~ October No-Spend Challenge ~ The treat is having money in the bank. The trick is keeping it... - Page 12

post #221 of 270
Thread Starter 
Quote:
Originally Posted by fustian View Post
It's a silly way to spend money, really, since I'm unlikely to sit down and read most of the books that I buy in the next little while. But, for some reason, I take great comfort in my library. Probably because it reminds me of happy times in my childhood.
When I think of this thread, I think of it fostering AWARENESS of our spending. Not necessarily punishment for spending. So I don't think we should DEPRIVE ourselves of things we love -- just recognize that you love them and be conscious that this is where we are choosing to spend our money.

In your case, I think you are doing that. It is not a silly way to spend money if it brings you pleasure, right?

I love this thread because it helps me spot places where I DON'T want to spend the money (the McDonald's drive-through) that would have otherwise gone unnoticed. I would much rather spend $100 on a pair of running shoes that I will use and love than $10 at McDonald's ten times. Both end up on this thread, but I see the running shoe cost and smile. Fast food, not so much.

So I think you should buy the books, treasure them...and record the cost on here so that later you can look back and make sure they are giving you pleasure in proportion to what you spent. Does that make sense?

Quote:
Originally Posted by blake201 View Post
I'm late to this, but would like to join--I can add my historical info from Mint.com!

* Get all books from the library (I'm a crazed bookworm and our apartment is OVERFLOWING with over 1500 books in 850 square feet).
Welcome! We're glad to have you. Have you thought about donating some of your books to the library? You can ask them flat out to keep the books that you give, and the ones that they don't need, you take back home.

I've given some of my favorite books to our library and I regularly check them out and bring them back home for a visit. Plus they put that protective spine thing on them, so my books are going to last longer at the library than they would mouldering in my house. I'm a ~reformed~ bookworm.

Quote:
Originally Posted by Turquesa View Post
You WILL see results here. Even during a bad month, I'm a lot better off with this thread than without it.
Amen, sister! The bad months teach me the most.

Quote:
Originally Posted by nwmomof2 View Post
Haven't been here in a while. Getting a bit burned out on recording my spending, but I'll try to finish the month out...
Stick with us, Mama! No one likes to record spending...it is a chore just like doing the laundry. But you are doing GREAT -- you've put that $500 dollars in savings, you are coming in under budget -- you are suceeding at this in a big way! Hold on!!!!
post #222 of 270
Thread Starter 
Talk me down, ladies...

You know my weakness is clothes and I spend WAAAY too much money in this area.

Well, Patagonia's new color line this winter is PURPLE....my absolute favorite color.

I want this ski jacket.

I can get it wholesale, so it won't cost me $300...but really I don't NEED yet another down coat (I have one in powder blue, orange, yellow, and black)

This is craziness.

Yesterday I went to our local ski shop and tried on this jacket and of course I love it.

Please remind me that a huge purple jacket will make me look like Barney.
post #223 of 270
Quote:
Originally Posted by Crunchy*VT*Mom View Post
Please remind me that a huge purple jacket will make me look like Barney.
True! Don't do it Prudence!!
post #224 of 270
My Key:
Budgeted, planned spending (includes groceries, gas, other necessary or well planned items- NOT impulse items)
No Spend
No Drive
Impulse, Unnecessary Spending
Eat Out

Oct.1- Groceries, consumables, and gas
Oct.2- rest of grocery shopping DH and I had a date night, I think dinner was overpriced, but it was good. And DH got steak, which I never make.
Oct.3-
Oct.4-
Oct.5-- Gymnastics and Art classes for the month for dd
Oct.6- haircut for dd but it was a missions dinner at church so I am giving it a
Oct.7- Feels like I spent a small fortune, $300 total on Costco (includes our $50 renewal), CVS, Target, and 2 Grocery Stores. I used coupons and took advantage of sales. Was out of Zyrtec, dog food, and some other big $$ items. Hopefully I can stay out of the stores for anything other than some produce and milk for 2 weeks!

Oct.8- Went to a local library book sale, spent waay more than I wanted, but we homeschool and will use everything and it was a good deal so I need to give myself a break! Picked up Chinese for me, DH and the girls are out for the evening so I splurged.
Oct.9-
Oct.10-
Oct.11- did spend $221 on car repairs, but I am calling it a no spend day because I didn't go into one store, shop online, etc.
Oct.12- Only because my best friend who is moving in a week asked us to join her family at Chick Fil A for kids eat free night. So I'm not thrilled we ate out, but I'm letting it go..
Oct.13-
Oct.14- had a wonderful dinner with friends we treated my bff to dinner out since she is moving
Oct.15-
Oct.16-
Oct.17-
Oct.18- bought snacks for the road for a trip we are now not taking. They will get eaten regardless, but still would have rather waited to buy them. Bought other items, and had a night out with our homeschool group, paid for dinner for myself
Oct.19-
Oct.20-
Oct.21-
Oct.22-
Oct.23-
post #225 of 270
1. $17 tea/snacks
2. $20 groceries, $70 supplements, $28 gift
3. $30 car breaks, $9 took myself out to lunch!
4.
5.
6. $150 groceries EEEK!! Guess that's what happens when you scrimp for a month, had to stock up on some basics.
7.
8. pizza out, snacks at store $
9. out with DP but didn't spend much, one drink each, then ice cream
10. out with DP $$
11. Corn maze and pumpkin patch, out to lunch $$$$$
12.
13.
14.
15.
16.
17. $$$$$$ Costco, Groceries etc.
18.
19.
20.
21.
22.
23. gift $28, $3 regular deodorant/antiperspirant cause my homemade stuff wasn't working and I was going to a baby shower!!
24.

FYI - On another note, I changed my username. I was cody'smomma.
post #226 of 270
[QUOTE=FeelingBlessed;15964649]Knew the food budget was really aggressive given our track record. Going to keep the $500 as a goal, but not beat myself up too badly for falling short. Baby steps...

Kim

10/1:
10/2:
10/3:
10/4:
10/5:
10/6:
10/7:
10/8:
10/9:
10/10: $17 kiddo stuff @ Fall Foliage Festival
10/11:
10/12: $10 parking ticket
10/13:
10/14:
10/15:
10/16:
10/17:
10/18:
10/19: Overbudget - food (this will get worse)
10/20:
10/21: overbudget - food
10/22: overbudget - food
10/23: overbudget - food

Necessary/in budget spending: 17/28
Do something to earn/save $: 20/31
Food: $700ish/$500
No Drive Days: 3/6
Practicing gratitude: 23/31
post #227 of 270
Oh, Prudence, I can totally relate because I am a Patagucci junkie too. It sounds like you already have some great down jackets....I can't imagine you will wear a new one enough to warrant the expense! (or you can do what I do and sell one on ebay so I can buy a new one.....well, maybe that's not a great way to talk you down - sorry!)
You can try my mantra.... "I have what I need....I have what I need...."
post #228 of 270
Thread Starter 
Okay, to scratch the new-ski-jacket itch I took my "old" ski jacket (which I just bought last year...so hardly old...they even still have it in the store) into the shop that had the purple patagucci and I got a new super-cute powder blue hat to match the jacket I alread had. $30. much more reasonable than $300

And I got some glove liners which is not an exciting purchase, but they are going to keep me cozy this winter. Vermont is one cold place and quality winter clothing is some serious $$$$ money.

01..
02.. $5 starbucks
03.. $5 starbucks
04.. $7 McDonald's
05.. $1 coffee
06.. $406 shoes for myself and DD, Christmas presents
07.. , finally! a day without grabbing coffee out
08.. ,
09.. ,
10.. $52 vera bradley bag and teapot lamp, $5 starbucks
11.. ,
12.. , ,
13.. $27 Christmas gifts,
14.. ,
15.. ,
16.. $85 Gap for some kick-booty jeans and workout clothes
17.. $5.39 Starbucks
18.. $5 candy at the grocery store
19.. , ,
20.. ,
21.. ,
22.. $6 McDonald's (just for the kids, not me)
23.. $3 Starbucks (just for me, not the kids...haha!)
24.. $60 winter apparel, $5 Starbucks
25..
26..
27..
28..
29..
30..
31..

My Goals:

11/15 No Spend Days
2/3 Let the Car Rest Days
11/25 Fast Food Free Days
post #229 of 270
Thread Starter 
So far so good today (spending-wise). I have a house full of sickies and that is keeping me home.

I'm sitting here typing in my new hat because we are trying an experiment in keeping our heat lower. I think this experiment is failing. I'm FREEZING.

(The sickies are in beds with heated mattress pads)

01..
02.. $5 starbucks
03.. $5 starbucks
04.. $7 McDonald's
05.. $1 coffee
06.. $406 shoes for myself and DD, Christmas presents
07.. , finally! a day without grabbing coffee out
08.. ,
09.. ,
10.. $52 vera bradley bag and teapot lamp, $5 starbucks
11.. ,
12.. , ,
13.. $27 Christmas gifts,
14.. ,
15.. ,
16.. $85 Gap for some kick-booty jeans and workout clothes
17.. $5.39 Starbucks
18.. $5 candy at the grocery store
19.. , ,
20.. ,
21.. ,
22.. $6 McDonald's (just for the kids, not me)
23.. $3 Starbucks (just for me, not the kids...haha!)
24.. $60 winter apparel, $5 Starbucks
25.. ,
26..
27..
28..
29..
30..
31..

My Goals:

12/15 No Spend Days
2/3 Let the Car Rest Days
12/25 Fast Food Free Days
post #230 of 270
October
1 - $4 breakfast & an afternoon chocolate bar
2 - $7 Silly Banz for the girls
3 - $3 snacks at swimming
4 -
5 -
6 - $7 breakfast, $5 lottery ticket
7 - $8 lunch
8 -
9 - $3 breakfast, $30 take-out
10 -
11 -
12 -
13 - $11 breakfast & lunch
14 -
15 - $19 lunch, $12 afterschool program, $5 lottery (work)
16 -
17 - $5 treat at swimming
18 -
19 - $12 lunch, $32 books for girls
20 -
21 -
22 - $5 dollar store junk for girls
23 - $12 more dollar store junk for girls
24 -

12/20 No Spend Days
$180 Unbudgeted/Unnecessary Spending
post #231 of 270
10/01
10/02
10/03
10/04 $15 Handsome duds for DS.
10/05 $12.15 Clearance clothes for me at Old Navy
10/06
10/07
10/08
10/09
10/10
10/11
10/12
10/13: Anniversary spending does not count.
10/14
10/15
10/16
10/17 $42.84 Clothes for DS
10/18
10/19
10/20
10/21
10/22
10/23 $7 swap shipping
10/24
10/25

20/20 No-spend days
21/31 Not buying clothes days
$76.99 Frivolously spent
post #232 of 270
Hello everyone! I have been lurking on this thread for today, and I think I'll join the no spend challenge in November.
post #233 of 270
My Key:
Budgeted, planned spending (includes groceries, gas, other necessary or well planned items- NOT impulse items)
No Spend
No Drive
Impulse, Unnecessary Spending
Eat Out

Oct.1- Groceries, consumables, and gas
Oct.2- rest of grocery shopping DH and I had a date night, I think dinner was overpriced, but it was good. And DH got steak, which I never make.
Oct.3-
Oct.4-
Oct.5-- Gymnastics and Art classes for the month for dd
Oct.6- haircut for dd but it was a missions dinner at church so I am giving it a
Oct.7- Feels like I spent a small fortune, $300 total on Costco (includes our $50 renewal), CVS, Target, and 2 Grocery Stores. I used coupons and took advantage of sales. Was out of Zyrtec, dog food, and some other big $$ items. Hopefully I can stay out of the stores for anything other than some produce and milk for 2 weeks!

Oct.8- Went to a local library book sale, spent waay more than I wanted, but we homeschool and will use everything and it was a good deal so I need to give myself a break! Picked up Chinese for me, DH and the girls are out for the evening so I splurged.
Oct.9-
Oct.10-
Oct.11- did spend $221 on car repairs, but I am calling it a no spend day because I didn't go into one store, shop online, etc.
Oct.12- Only because my best friend who is moving in a week asked us to join her family at Chick Fil A for kids eat free night. So I'm not thrilled we ate out, but I'm letting it go..
Oct.13-
Oct.14- had a wonderful dinner with friends we treated my bff to dinner out since she is moving
Oct.15-
Oct.16-
Oct.17-
Oct.18- bought snacks for the road for a trip we are now not taking. They will get eaten regardless, but still would have rather waited to buy them. Bought other items, and had a night out with our homeschool group, paid for dinner for myself
Oct.19-
Oct.20-
Oct.21-
Oct.22-
Oct.23-
Oct.24-
Oct.25-
post #234 of 270
Quote:
Originally Posted by Crunchy*VT*Mom View Post
When I think of this thread, I think of it fostering AWARENESS of our spending. Not necessarily punishment for spending. So I don't think we should DEPRIVE ourselves of things we love -- just recognize that you love them and be conscious that this is where we are choosing to spend our money.

In your case, I think you are doing that. It is not a silly way to spend money if it brings you pleasure, right?

I love this thread because it helps me spot places where I DON'T want to spend the money (the McDonald's drive-through) that would have otherwise gone unnoticed. I would much rather spend $100 on a pair of running shoes that I will use and love than $10 at McDonald's ten times. Both end up on this thread, but I see the running shoe cost and smile. Fast food, not so much.

So I think you should buy the books, treasure them...and record the cost on here so that later you can look back and make sure they are giving you pleasure in proportion to what you spent. Does that make sense?
Yes, this makes total sense. I just have to get over the guilt I feel spending money on myself. It's easy for me to spend a few hundred dollars buying a nice gift for DH, but I squirm whenever he spends money on me, let alone when I spend money on myself.

But, I did go to the book fair, and I got a first edition of "The English People" by George Orwell for $30 which made me smile. I love Orwell, and I didn't have a copy of this at all in my collection. And, I found two books illustrated by Ardizzone which my parents bought for DD for Christmas. So, it was a successful trip all round

Quote:
Originally Posted by blake201 View Post
* Get all books from the library (I'm a crazed bookworm and our apartment is OVERFLOWING with over 1500 books in 850 square feet).
Welcome!

It sounds like you and I have similar weaknesses

I'm not, nor will I probably ever be, a reformed bookworm like Prudence, but I've been very successful in my efforts to utilize the public library to stem the inflow of books in the past year. I'm not about to start giving up any of the books I already have in my collection, but by trying the library first I've cut down on my purchases of paperbacks. Now I tend to only buy books that: I can't find in the library OR are new books by beloved authors that I want to own in hardcover OR are good (hardcover) used copies of books I want to own rather than just read.

Now, that still leaves quite a few books entering the house in a given year, but both the cost and space requirements of my book habit have been really reduced. I my public library!

1.
2. Groceries, gas, and $200 at the gardening centre on supplies.
3. and one more bag of clutter out the door!
4. Vaccinations for the dogs $200.
5.
6. garden supplies (and that should be it!) didn't pass up a sale on cloth diapers for the new LO. Granted, I needed some new cloth wipes, and they were on sale. But I did not need the on sale AIOs .
7.
8.
9. groceries & gas almost $20 on craft supplies for DD.
10.
11.
12.
13. dog food and dog bed for our arthritic dog. This wasn't budgeted, but the vet said we should get him a really soft bed as it would help with his joints. Pay day == $200 auto deposited into savings.
14. $9 lunch at Wendy's. My treat for doing the three our GTT, which - according to the lab today - I shouldn't have had to do at all, since for my one hour they gave me the 75g glucose drink, not the 50g glucose drink, which may have explained why my results were 7 points too high .
15. $45 on clothes for DD from lands end overstocks AND $40 dinner out with DH. Sigh.
16. groceries and gently used snow jacket & pants for DD from MEC online swap
17. gas and two more bags of clutter out the door.
18. (kind of ... I did take DD to a toy shop so she could spend the $20 she'd been given as a gift - but that wasn't *our* money)
19. Total splurge on myself to the tune of $70 on books I wasn't able to get at the local library
20.
21.
22.
23. groceries, gas, and some Christmas shopping done. stocked up on craft supplies for DD at big 50% off sale at Michael's.
24: $30 at the book fair and some more Christmas shopping done.
25.

When I finally let my DH turn the heat on this weekend (yeah, so 8 degrees in the house is probably too cold) the furnace didn't work. We have a service contract, so the repair didn't cost us, but the repair guy gave us the bad news that the furnace probably should be replaced in two years. According to the oil company a new furnace will run us almost $5K plus another $1K to put in a new chimney liner. So, I've started a new savings account and will put $150/biweekly away to pay for this thrilling purchase. Sigh. I can think of so many other things I'd rather spend $6K on .

13/15 no spend days
$350/$550 added to savings
4/5 bags of clutter gone

Legend:
No spend
Only planned/budgeted spending
Unnecessary / unplanned spending
post #235 of 270
Thread Starter 
Quiet day at home = good for the bank account

And I met my no-drive goal for the month. Granted, 3 days isn't aiming very high, but I haven't even made THAT modest goal for the past several months. So --->

01..
02.. $5 starbucks
03.. $5 starbucks
04.. $7 McDonald's
05.. $1 coffee
06.. $406 shoes for myself and DD, Christmas presents
07.. , finally! a day without grabbing coffee out
08.. ,
09.. ,
10.. $52 vera bradley bag and teapot lamp, $5 starbucks
11.. ,
12.. , ,
13.. $27 Christmas gifts,
14.. ,
15.. ,
16.. $85 Gap for some kick-booty jeans and workout clothes
17.. $5.39 Starbucks
18.. $5 candy at the grocery store
19.. , ,
20.. ,
21.. ,
22.. $6 McDonald's (just for the kids, not me)
23.. $3 Starbucks (just for me, not the kids...haha!)
24.. $60 winter apparel, $5 Starbucks
25.. ,
26.. , ,
27..
28..
29..
30..
31..

My Goals:

12/15 No Spend Days
3/3 Let the Car Rest Days DONE!
12/25 Fast Food Free Days
post #236 of 270
Thread Starter 
Quote:
Originally Posted by Hollycrand View Post
Hello everyone! I have been lurking on this thread for today, and I think I'll join the no spend challenge in November.
Welcome Holly! Why don't you start recording this week as a trial run? We look forward to having you join us in November.

Quote:
Originally Posted by fustian View Post
According to the oil company a new furnace will run us almost $5K plus another $1K to put in a new chimney liner. So, I've started a new savings account and will put $150/biweekly away to pay for this thrilling purchase. Sigh. I can think of so many other things I'd rather spend $6K on
Isn't that the truth? I HATE paying huge sums of money for things like furnace repairs and car repairs and dishwashers -- things that don't give you any pleasure because you end up with the same thing you had before, sans a big chunk of money. I'm sorry to hear about your furnace.
post #237 of 270
I track all spending on paper already but not day by day I'll be joining in in novemeber! Great thread!
post #238 of 270
= No spend or budgeted spending
= Unnecessary/unbudgeted spending
= No-drive day
= Had tea today
= Hung clothes on the line.

1. Ran errands. Forgot to pack snacks. Crashed with hunger and went to TCBY. Ugh! What a start. But . . .
2. $20.00 wine for party, $16.00 haircut for DH
3.
4.
5. $33.00 gas, 50 cents thrift store toy for DD
6. $4.92 at TCBY (unnecessary), $18.00 to replace items that dog broke (long story), and necessary, CHEAP groceries at $98.00.
7. Budgeted lunch at 10.49.
8. 31.00 dog food, paid 2 utility bills
9. $5.40 latte and snack at coffee shop. Why oh why do all of my meetings have to take place in these pricey establishments? I really need to start hosting them in my house...
10. $7.00 yarn to knit DD's Christmas present "
11. $10.00 on excesses at the zoo (feeding goats, carousel rides, wagon rental). We have a year-long pass, so I talk myself into using it into getting my money's worth. Then we get screwed on all of the extras they throw at you when you get there. $2.50 chai tea at another coffee shop meeting.
12. Knitting needles to make Christmas present, $9.00, groceries for $104.00.
13. 5.00 ice cream (unbudgeted), $6.00 bouncy castle admission (budgeted)
14. $20.00 Halloween costumes (DD's was firsthand, but I can reuse the shirt and tights, budgeted lunch at $10.00
15. No-spend payday.
16. Out to dinner with DH, $40.00. I won't be too hard on myself though because A) Childcare was free (my friends and I swap off), B) this was our first date since...since........ and C) I had to get out of the house to tell him that, um, (!!!)
17. $84.00 in groceries!!!!!
18. $55.00 craft supplies for Christmas gifts. So much for the frugality of making presents. I really hope this stuff "pays for itself" some day.
19. $20.00 used jammies for DS, used sweater for DD.
20. $6.00 more crap for Christmas gifts.
21.
22. Don't ask $6.50 dribbled in unbudgeted spending.
23. because I forgot to pack snacks when I ran errands--$5.88 at espresso drive-thru. 35.00 in Christmas gifts, $115 in groceries.
24.
25. WHEN IS PAY DAY??? IS IT NOVEMBER YET?!
$56.00 on Christmas. Could we start a support group for Holiday spending? I always go into it with the best of intentions and then end up overspending. I suppose it doesn't help that those who give US gifts spend well beyond their means, and then we respond by putting pressure on ourselves to reciprocate.....Ugh! And yes, we've tried talking to them. I just need to draw a clear line in the sand....
26. See October 1st.
27.
28. Dog food $50.00, planned lunch out, $10.50
29. $5.00 charity
30.
31.
post #239 of 270
10/01
10/02
10/03
10/04 $15 Handsome duds for DS.
10/05 $12.15 Clearance clothes for me at Old Navy
10/06
10/07
10/08
10/09
10/10
10/11
10/12
10/13: Anniversary spending does not count.
10/14
10/15
10/16
10/17 $42.84 Clothes for DS
10/18
10/19
10/20
10/21
10/22
10/23 $7 swap shipping
10/24
10/25
10/26

21/20 No-spend days
22/31 Not buying clothes days
$76.99 Frivolously spent
post #240 of 270
Yikes. Well, I've been growing my hair out from a very short cut and I haven't gotten it cut since mid-June... Let's just say that today I got a *very* expensive hair cut and color (have not colored it in years.... this was supposed to keep me from giving up and cutting it short again). A rare extravagance for me.

18-23. $75 groceries, $180 household (Halloween, b'day presents, crafting stuff for kids, new bread maker) $35 running shoes for DD7, $59 eating out.
24. $104 groceries, $40 gas, $46 toys for girls
25. $$ fancy haircut and color
26.
27.
28.
29.
30.
31.

Goals:
$515/$500 groceries
$80/$50 eating out
1/1 Costco trip
No Target trips this month
$500/$500 added to savings
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Mothering › Mothering Forums › Natural Living › The Mindful Home › Frugality & Finances › ~ October No-Spend Challenge ~ The treat is having money in the bank. The trick is keeping it there.