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January 2011 No-Spend Challenge - Let's start the New Year off right! - Page 6

post #101 of 194


Quote:

Originally Posted by nwmomof2 View Post

 

I bought a Starbucks gift card for myself today (using xmas $ my grandma sent me). My intention is to limit my coffee habit this way, but still allow myself the occasional coffee. I am planning to make my $20 card last for the month of January. When it's used up, no more Starbucks for me (until the new month). Oh, these little games I play with myself.....

 


 

Ugh, I KNOW!  It's totally appropriate that the Starbucks logo is a Siren.  It hasn't quite been a budget-buster for me, but I still end up there WAY more often than I'd like to admit.  Once of the tactics I've been using is to buy a large, then drink half one day and the rest the next. 

 

Another thing I've done is to buy cherry flavored coffee (Meijer), brew it strong, then mix it with milk and Ghirardelli cocoa powder.  Not quite a dark cherry mocha, but still yummy.  I'm sure it would work with other flavors of coffee as well.  I keep thinking I should just buy an espresso machine and get it over with.
 

post #102 of 194

1. thumb.gif

2. smile.gif

3. thumb.gif

4. & 5. smile.gif I had to split grocery shopping over two days because of lack of energy.  I actually forgot a couple things that DH will pick up today on his way back from work.  But, I spent $132.93/$400.  Also got the convection oven using Christmas money, but that's not in the budget since I'm counting it as a gift.  Also $100 for the homeopath and $2 for a sample tube of homeopathically compatible toothpaste.

 

Key:

smile.gif  budgeted spending
thumb.gif true no-spend day
bag.gif bad bad bad

post #103 of 194
We put gas in my car today with cash from tips and we bought a DVD player with $25 store credit at the pawn shop. Oh, and we got coffee with a gift card. SO, no extra money spent smile.gif

Jan 1 orngbiggrin.gif
Jan 2 orngbiggrin.gif
Jan 3 smile.gif
Jan 4 orngbiggrin.gif
Jan 5 smile.gif
Jan 6 smile.gif
post #104 of 194

1/1- NS

2 NS

3 NS

4- groceries $112

5- NS

6

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Goals

 

Groceries- 112/500

Gasoline- 0/140

Kid spending- 0/20

homeschool- 0/20

car payment -0/500

 

Gift cards to use this month- reminding myself that I can shop a little without breaking the budget!

kohls- $29

Joann- $40

Old Navy $39

post #105 of 194

Stayed under my $60 grocery goal last night - spent $54 thanks to a nice cashier who let me use multiple coupons on the same item. She had to manually override the cash register's computer to do it, but she did. :D

 

I came *this close* to buying music on iTunes this afternoon before I remembered about this no-spend thing. Granted, I need this music for something I'm doing work-related, but I can check it out of the library for free. I already checked the catalog and they have it. Saved: $7.99+tax

 

Made a big crock pot of vegetable soup last night that should last us for a while, and we can add different things to it as we go along to keep it from getting boring.

post #106 of 194

Key:

thumb.gif  no spend/ budgeted spending

irked.gif  unnecessary/ unbudgeted spending

hang.gif  hung laundry to dry

 

 

January Goals

no spend days  6/20

eating out  0/0

loads of laundry hung to dry  4/8

 

1.  thumb.gif  At the IL's out-of-state so no laundry done.

2.  thumb.gif

3.  thumb.gif  hang.gif

4.  thumb.gif hang.gif

5.  thumb.gif hang.gif

6.  thumb.gif hang.gif

post #107 of 194

Woohoo! I found a $20 gift card in my wallet that I forgot to use, along with a $10 off $50 coupon and I've got $30 extra in there for savings (maybe). Tomorrow should be a no-spend day unless I go out to the store (with a points program) to take advantage of a spend $50 get a $10 gift card while stocking up on milk & bread, etc. Saturday will be the real test as DH is home and we usually do our shopping then.

post #108 of 194

Jan 1: no spend
Jan 2: hairbrush, fast food

Jan 3: holy bills, Batman: mortgage, personal trainer, insurance and a buy-one-get-one massage coupon for DH

Jan 4: Target household stuff and junky groceries, DS' new medicine (no generic available! lovely!), fast food

Jan 5: real groceries at TJ's and WF, oils for this facial cleansing method I'd heard so much about

post #109 of 194

Hi, I'm new to this sub-forum but I really need to be here!

 

a. Who you are:  It's me, DH, 3yo DS1, and 3mo DS2.  I'm usually a FT WOHM but I'm on unpaid maternity leave until April.  I'd love to be a SAHM but I'm the majority wage earner and our savings is taking a hit with my staying home. 

b. Where you are going (your financial goals):  We're currently carrying student loans (mine) that will be paid off in a year, DH's car loan, and the mortgage.  We have a bit of savings in addition to our retirement savings, but we're drawing on that for me to stay home for DS2's first 6 months.  Our big goal is to get right-side up on our mortgage and start saving to buy our dream home.  We still have DH's VA loan to draw on but I want to make a big down payment.

c. How you plan to get there:  DH and I both have stable jobs with good incomes.  Unfortunately we've fallen into a lot of impulse buying and unnecessary spending.  When DS2 was born I had something of an orgy of online spending for him bag.gif.  Babysteals and zulily are teh enemy!  So we both need to get a handle on that.  I've been doing really well with menu planning and so-so with not buying out.  I too am a Starbucks addict =\

 

We have a lot of upcoming expenses this year -- I'm taking the boys to CA to visit their grandparents in March.  While I'm gone DH will be insulating and drywalling the unfinished part of the basement.  Then we'll be hiring someone to finish the basement bathroom and we'll be replacing the flooring on two levels at least of our townhouse.  I view all of the home improvements as working towards getting "rightside up" though since they increase the value of our home.  It'll be hard with the additional expense of two kids in daycare, though.

 

Anyhow, I'd love to use this thread to keep me honest with my spending.

post #110 of 194

Mattemma sahm to 2.Dh is a driver with a modest income. Will try not to use my credit card(just paid it off!) and spend only $100 cash weekly on food and supplies.Will record all bills and daily spending.Will put aside $25-50 weekly into savings.The more we stay home the more NO SPEND DAYs I will have,unless ofcourse I am paying bills online! I already know we will be home this weekend,and all bills are paid for the moment.Best wishes to all!

 

1-1 NO SPEND DAYthumbsup.gif

1-2 NO SPEND DAYthumbsup.gif

1-3 NO SPEND DAYthumbsup.gif

1-4 Tire repair(nail) $18, Food $100, Pizza $6, Savings $20, Mega lotto $3

1-5 Cell $110, Garbage $45, Dog license $30, School Pizza $12, Credit Card $100

1-6 Marcs $7, Gas $23

1-7 Aldis $90, Walmart $55

1-8 NO SPEND DAY thumbsup.gif

1-9 NO SPEND DAYthumbsup.gif

1-10 Food $9, Meds $55, Feed store $70, Big Lots $10


Edited by mattemma04 - 1/10/11 at 9:39am
post #111 of 194

 

thumb.gif = No-spend day

smile.gif   = Budgeted spending

orngbiggrin.gif   = Under budget!

greensad.gif   = Unbudgeted/Unnecessary spending

 

1/05: thumb.gif (actually made money with a price adjustment & a return! this will pay for a bookcase we were planning to buy)

1/06: thumb.gif

1/07: greensad.gif $47 - couldn't resist a Gap sale. in my defence, DS DOES need it, I just didn't plan when I'd buy it.

 

Progress:

Paid to credit cards: $447/$2300

Groceries $0/$295

Savings  $100/$250

post #112 of 194

Key:

thumb.gif  no spend/ budgeted spending

irked.gif  unnecessary/ unbudgeted spending

hang.gif  hung laundry to dry

 

 

January Goals

no spend/ budgeted days  6/20

eating out  0/0

loads of laundry hung to dry  4/8

 

1.  thumb.gif  At the IL's out-of-state so no laundry done.

2.  thumb.gif

3.  thumb.gif  hang.gif

4.  thumb.gif hang.gif

5.  thumb.gif hang.gif

6.  thumb.gif hang.gif

7.  irked.gif  DH stopped at the store and picked up some ice cream and cookies.

 

ETA~ I have to take away my no spend day for today.


Edited by FillingMyQuiver - 1/7/11 at 5:29pm
post #113 of 194

 

I read something recently that I found quite interesting: the idea of a no spend week. It was in the book "The Ultimate Cheapskate's Map to True Riches," by Jeff Yeager. In it, he recommends doing a "fiscal fast" for one whole week. No spending. at. all. Not even bills, groceries, gas for the car. I am intrigued by this and I think I'm going to give it a go. I can't remember if I've ever before gone a week without spending, in my entire adult life. Okay, I know I did it as a 20-something year old on a 10 day backpacking trip in the Sierras (no phones, no lights, no motorcars), but that was nearly 20 years ago and I think it is time to try it again. Anyone else up for the challenge? Maybe this should be it's own thread?

 

1/1 thumb.gif budgeted spend - long johns and socks for kids

1/2 orngbiggrin.gif no spend

1/3 thumb.gif big budgeted spend day - groceries, supplements, carwash (which I hate to pay for but was desperately needed), b'day gift for my mom. Sold some books at used book store.

1/4 orngbiggrin.gif no spend!

1/5 thumb.gif budgeted spend - some household supplies (soap, dog food for pet food drive at DD1's school (we don't have a dog!), b'day gift for DD2's preschool friend, art supplies for school project, 2 grocery items, Starbucks gift card

1/6 orngbiggrin.gif no spend

1/7 thumb.gif batteries, photo printing for school project


Edited by nwmomof2 - 1/7/11 at 8:33pm
post #114 of 194
Jan 1 orngbiggrin.gif
Jan 2 orngbiggrin.gif
Jan 3 smile.gif
Jan 4 orngbiggrin.gif
Jan 5 smile.gif 1st paycheck
Jan 6 bag.gif Ended up buying a drink with the girls, but no dinner smile.gif $10
Jan 7 smile.gif 2nd paycheck - budgeted spend day: mortgage and $34 vet bill.

 

post #115 of 194
Yesterday, spent $30 on gas and $7 on food for the ratties. Day before, N/S.
post #116 of 194

 

Jan 1: thumb.gif No spend

Jan 2: smile.gif Budgeted spend

Jan 3: thumb.gif No spend

Jan 4: smile.gif Budgeted spen

Jan 5: thumb.gif No spend

Jan 6: smile.gif Budgeted spend

Jan 7: thumb.gif No spend

Jan 8: thumb.gif No spend

 

 

post #117 of 194

 

/1 thumb.gif budgeted spend - long johns and socks for kids

1/2 orngbiggrin.gif no spend

1/3 thumb.gif big budgeted spend day - groceries, supplements, carwash (which I hate to pay for but was desperately needed), b'day gift for my mom. Sold some books at used book store.

1/4 orngbiggrin.gif no spend!

1/5 thumb.gif budgeted spend - some household supplies (soap, dog food for pet food drive at DD1's school (we don't have a dog!), b'day gift for DD2's preschool friend, art supplies for school project, 2 grocery items, Starbucks gift card

1/6 orngbiggrin.gif no spend

1/7 thumb.gif batteries, photo printing for school project

1/8 orngbiggrin.gif no spend

post #118 of 194

a. Who you are:    We are WAHM, WOHD, dd 6 years, ds 2 years.  We hope to conceive this year

b. Where you are going (your financial goals) and:  Financially we would like to pay off our credit card about ($3500) and pay off my car about ($1000) so dh can get a new (used) vehicle.  Hope to have have at least $1000 in savings by the end of the year.

c. How you plan to get there:  Dh has interviewed for a new job and we are hoping that he gets it.  I plan on doing meal planning, growing a vegetable garden this summer.  Also sticking to the budget and grocery list.

 

 

1/1 ~ $5.79 on Slurpee's  greensad.gif

1/2 ~ $10 on prescription for ds

1/3 ~ No spend, No drive day joy.gif

1/4 ~ No spend day  joy.gif

1/5 ~ budgeted spending food and such  thumb.gif

1/6 ~ $17 on snacks, pop and velcro to make reusable ziploc bags.  greensad.gif 

1/7 ~ un-necessary spending on lunch, frames $11.75 greensad.gif

1/8 ~ bought groceries we didn't have to have but will use  duh.gif

1/9 ~ no spend joy.gif

1/10 ~ no spendjoy.gif


Edited by edensmama - 1/11/11 at 3:22am
post #119 of 194

a.  Michelle mama to two dc.

 

b.  Pay off debt, not spend unnecessarily and save.

 

c.  By staying out of stores, cutting up all credit cards, meal planning, and going to try washing the clothes on cold (except bed sheets and diapers.)

 

Key:
joy.gif - no spend
smile.gif - necessary/budgeted spend
- unnecessary spend

 

Jan 1- smile.gif

Jan 2- smile.gif

Jan 3- smile.gif

Jan 4- joy.gif

Jan 5-joy.gif

Jan 6- smile.gif

Jan 7- joy.gif

Jan 8-smile.gif groceries

Jan 9- joy.gif

Jan 10- joy.gif(well, dh did get a beer)

Jan 11- joy.gif

Jan 12- me joy.gif, dh beer and lunch

Jan 13-

Jan 14-

Jan 15-

Jan 16-

Jan 17-

Jan 18-

Jan 19-

Jan 20-

Jan 21-

Jan 22-

Jan 23-

Jan 24-

Jan 25-

Jan 26-

Jan 27-

Jan 28-

Jan 29-

Jan 30-

Jan 31-


Edited by bellabear - 1/13/11 at 5:42am
post #120 of 194

 

Jan 1: no spend
Jan 2: hairbrush, fast food

Jan 3: holy bills, Batman: mortgage, personal trainer, insurance and a buy-one-get-one massage coupon for DH

Jan 4: Target household stuff and junky groceries, DS' new medicine (no generic available! lovely!), fast food

Jan 5: real groceries at TJ's and WF, oils for this facial cleansing method I'd heard so much about

Jan 6: DH repurchased Angry Birds (WTF???) and went to Jack in the Box. 

Jan 7: check I wrote in NOVEMBER to the preschool book fair was finally cashed - see, this is the reason I heart my checking account cushion

Jan 8: copay for DD's prescription, candy after DS' b-ball game

Jan 9: I promised to buy DS a Sonic the Hedgehog plush toy if he does his worksheets at Hebrew School

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