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~November No-Spend Challenge~ Don't let little purchases gobble gobble up your savings! Come... - Page 3

post #41 of 198
11/01
11/02

2/20 No-spend days
2/30 Clothes shopping-free days
$0 Frivolously Spent
post #42 of 198
Thank you for the welcome, Crunchy*VT*Mom.

1 - Planned Spending
2 - No spending and no driving! I actually walked to go vote

Grocery Spending - 95.91/500
Out to Eat Spending - 0/80
Target Spending - 25.70/150
Other Spending - 0/100 (to be used for sump pump service later this week)
post #43 of 198
Nov 1=$35.00 (returned check at the candy store)
Nov 2=$0.00
post #44 of 198
Hello, I'm a SAHM to 3 kids (my oldest lives on her own )

My goal is to STOP all the spending that I have been doing! I was really smacked in the face with it yesterday morning when I realised that I had used my debit card 11 times in one day. So my month "starts" yesterday!

I'm so tired of living hand to mouth, month to month and having nothing to show for it. This is a new begining for me. I want to get my finances on track so that within the next three years I can buy us a house!

= no spend
= planned spend
= unplanned spend
= wasteful spend

2. $5.83 at the grocery store
post #45 of 198
Please write an introductory message when you decide to join our thread. We would like to know:

a. Who you are - I'm a WOHM to an 4.5 yo DS and 8 month old DS

b. Where you are going (your financial goals) and - trying not to spend money on things that we just don't NEED!

c. How you plan to get there - Watching the sales, plan accordingly

- no spend
- planned spend
- wasteful spend

11/1 - $113 (grocery store)
11/2 -
11/3 - $30 (Walgreens) $22 (jewelry repair)
post #46 of 198
Today has the potential to be a no-spend day...! I'm also excited that I'm under-budget so far this week on food. I forgot a few things at the grocery store, but there's still room in the budget to go get them, plus to go back to the farmer's market on Saturday for fresh veggies.

I'm also putting my daily spend chart up early, since I changed a few things and added goals...

= no spending!
= necessary, budgeted spending
= necessary, unbudgeted spending
= unnecessary, unbudgeted spending

1- mortgage payment, $32 for pizza to thank our niece and nephew for help with yardwork (comes out of entertainment allowance)
2- $74.48 at Meijer for groceries (and only groceries, yay!) + $11 for apples at the market to make applesauce
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$85.48/$500 groceries
$0/$500 savings
$0/60 work lunches
0/15 no-spend days
post #47 of 198

I was doing these a while ago but got off track...let's try this again!

No money spent
Spent money on something needed
Splurged
Walked

1 $11.95 at Fresh Market, $640 rent
2
3
4 $15 at Office Max & Ross
5 $46 at Sunflower Farmer's Market
6 $17 at DI (thrift store...man I'm not doing very well so far! I got a shelf and 2 baskets, but hey, at least I got it there and used instead of cheapo particle board one from Target for 3-4 times as much!)
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10 orngbiggrin.gif
11  orngbiggrin.gif 
12 orngbiggrin.gif
13   BOGO @ Chipotle, $40 at Sunflower Farmers Market
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16  $60 @ Costco, $35 at DI
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18  $40 on gas
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20   $30 @ Sunflower Farmer's Market
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22  $335 car payment (ugh!)
23  $36 Christmas presents
24  (also realized, duh, didn't log in paying rent on the 1st!  Derrr...)
25  $50 gas (paid 2 months at once), $26 electric ugh...
26  $95 Sunflower Farmer's Market & Costco - Groceries, stamps, gas for the car, ugh.   
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30  Small emergency - Jude biffed his teeth so I had to go get him some painkiller, and my back's hurting too much to stand up and cook so C's picking up some food for dinner.


Edited by jimblejamble - 11/30/10 at 4:35pm
post #48 of 198
= no spend
= planned spend
= unplanned spend
= wasteful spend

2. $5.83 at the grocery store
3. $5.50 washed the comforter at the laundrymat
post #49 of 198
Hello All!

Joining late but eager nonetheless. This will be my first month trying this approach to getting our spending under control. Previous approaches included starving, yelling at each other, ignoring the problem entirely, and many lashes with wet noodles while drinking delicious coffee that I shouldn't have purchased.


a. Who you are - Maria, WOH(part-time)M to Marcus, 15 mos.

b. Where you are going (your financial goals) - I would really, really like to pay off our cc debt in one year and would like even more not to run them up again. I would also like to save for large purchases and household surprises (100 yr old house) so that they don't get put on the cc's.

c. How you plan to get there - by not spending!


My system is going to be listing my daily spending on non-household bills to the penny. I don't have a picture key because it will just confuse me.

Nov. 1 - $9.15 Coffee and Lunch
Nov. 2 - $8.54 Lunch
Nov. 3 -
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*deep breath* Here we go!
post #50 of 198
1. $39 oil change, $35 gas for car
2. $3 clearance Halloween decorations. $6 chicken breasts.
3. No Spend! Oh joy of joy, I did it! It feels like it's been a long time and it sure feels good!
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planned/budgeted spending
true no-spend
frivolous spending

Goals:
6/$400 groceries (doesn't include milk delivery or prepaid CSA)
0/$50 eating out (including coffee)
3/$100 household
0/$500 put in savings
3/30 not buying clothes days
2/15 stay out of stores days
1/10 true no-spend days
2/20 planned/budgeted spending days
post #51 of 198
Well, no time like the present! Here we go:

= No spending or budgeted/necessary spending

= Unnecessary/unbudgeted/optional/"junk" spending

1. $25.00 sprinkler blow-outs
2. $20.00 in books. One of them I had to buy because DD destroyed it in the store.
3. Paid phone bill
post #52 of 198
1.
2. $20 gas, $49.00 for an event
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-no spend days
-budgeted spend
-unbudgeted spend
-added to budget spend
-no drive

1/15 no spend days
0/8 no drive days
0/5 sell my stuff days
1/8 craft/enrichment activity ready after school days
3/30 tracked spending days
130.20/$500.00 grocery budget
post #53 of 198
Thread Starter 
$255 on groceries yesterday.

Wow. That was sobering.

I bought a lot of frozen fish and quite a bit of meat, so that was a big part of the expense...but still. That was a chunk for one day. If I'm going to stop eating out so much, we've got to have food in our house.

$15 for a blanket that felt like a lamb. Not necessary, but it will get used. Vermont is a cold place.

01.. $9.98 Wendy's
02.. $10.90 Subway
03.. $15 Costco Lamb Blanket,
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My Goals:

0/20 No Spend Days
0/5 Let the Car Rest Days
1/20 Fast Food Free Days
post #54 of 198
Thread Starter 
Today has potential...I have no where I have to be. So it could be a no spend AND a no drive, if I just make up my mind to stay here.

post #55 of 198
Yeah... So yesterday wasn't the non-spending day I had hoped. I had something stuck in my upper eyelid for 2 days and went to the doctor for it. I have a scratched cornea and was given prescription eye drops. DH bought me a big Starbucks as a sympathy gift, but I'll take it out of my lunch budget. Not a great day.

= no spending!
= necessary, budgeted spending
= necessary, unbudgeted spending
= unnecessary, unbudgeted spending

1- mortgage payment, $32 for pizza to thank our niece and nephew for help with yardwork (comes out of entertainment allowance)
2- $74.48 at Meijer for groceries (and only groceries, yay!) + $11 for apples at the market to make applesauce
3- $45 for eye doctor, $15 for the prescription, and $5 for coffee
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$85.48/$500 groceries
$0/$500 savings
$5/60 work lunches
0/15 no-spend days[/QUOTE]
post #56 of 198
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

Nov.1-
Nov.2-
Nov.3-
Nov.4-
post #57 of 198
Thread Starter 
Diana -- Sorry to hear about your eye. That sounds painful.

I hope I'm not jinxing myself, but the day is half over so I'm going to go ahead and say it was a win. A Trifecta.

01.. $9.98 Wendys
02.. $10.90 Subway
03.. $15 Costco Lamb Blanket
04..
05..
06..
07..
08..
09..
10..
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My Goals:

1/20 No Spend Days
1/5 Let the Car Rest Days
2/20 Fast Food Free Days
post #58 of 198
So-so day yesterday and I'm thinking that the coffee will be the only thing I spend on today. Let me tell you how good it feels to know that I have to report my spending to the world (well, the MDC world) everyday.


My system is going to be listing my daily spending on non-household bills to the penny. I don't have a picture key because it will just confuse me.

Nov. 1 - $9.15 Coffee and Lunch
Nov. 2 - $8.54 Lunch
Nov. 3 - $12.99 for Pizza because we had no food in the house
Nov. 4 - $.84 for coffee
Nov. 5
Nov. 6
Nov. 7
Nov. 8
Nov. 9
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Nov. 30
post #59 of 198
2/10 no spend days
10 art/work days
4 eating out days

$177/$400 grocery budget
$0 FUN money

no spend day
unnecessary spending
budget spending day
art/work day

1.
2. , $177 groceries, $65 toiletries
3. , $50 cat food, but we walked all the way there. plus winterproofed my bedroom window.
4. ... getting an insurance-covered massage today! woohoo!
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30.[/QUOTE]
post #60 of 198
1. $39 oil change, $35 gas for car
2. $3 clearance Halloween decorations. $6 chicken breasts.
3. No Spend!
4. $10 lunch out, $23 play tickets, $100 DD1 Girl Scout troop fee (for entire year) Stayed out of the stores!
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planned/budgeted spending
true no-spend
frivolous spending

Goals:
6/$400 groceries (doesn't include milk delivery or prepaid CSA)
10/$50 eating out (including coffee)
3/$100 household
0/$500 put in savings
4/30 not buying clothes days
3/15 stay out of stores days
1/10 true no-spend days
3/20 planned/budgeted spending days
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