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September No-Spend Challenge--Let's "Fall" Back Into the Saving Habit! - Page 2

post #21 of 45


a. Who I am:

 

I'm Holly, single mom to two girls (5 and 8)

b. My financial goals:

 

To be debt-free, not spend money on any *extras*, start saving money to eventually buy a house.

c. How I plan to get there:

 

I will gradually pay off my debts.  I would like to ask the bank for help in consolidating my credit card/parking ticket/day care debt

I will pay off my library card fine ($50) so that I can get new reading material from the library instead of buying it online.

I need to stop eating out at lunchtime - even though it might not help me bond with my colleagues...maybe I will go with them to the Food Court, but take my lunch and eat it with them there.

 

 

 

post #22 of 45
Thread Starter 

Welcome aboard to Becky, Cindy, Holly, Leomom, and whomever else I've missed! 

 

Becky/HawaiianBlesing, congrats on your DR progress!  I'm a huge fan! 

 

Being free of the childcare expense will probably make working outside the home more profitable for you.  If you want to make sure, you could try one of those online calculators like this one:  http://www.free-online-calculator-use.com/stay-at-home-calculator.html  Situations are soooo individual, so everyone will come up with something slightly different. But it's nice actually being able to quantify the trade-off.
 

Quote:

Originally Posted by HawaiianBlesing View Post

 

Realistically we could live on one income, it would just take longer to become debt free.  That is where my conflict lies.  I really want to become debt free and would feel much better about being a SAHM if that were the case.  May consider going back part time.  DH is a firefighter/paramedic with an amazing schedule so childcare is not an issue or an expense.

post #23 of 45

Sept 1st No spend

Sept 2nd No spend and bad a budget

Sept 3rd Spend 6.00 - School map , 2 notebooks and a cute 2 picture frame corkboard to decorate into a christmas present (last 6.00 in the budget also...lol )

 

Sept 4th  No spend - so proud as my family wanted to eat out soooo bad after church but we came home and ate left overs! Paid all the bills and made 24.00 towards end of the month food/gas

 

 

 

Praying we can stick to the budget the rest of the month !

 

Sarah

 

post #24 of 45

Ok..so I'll back track the past few days.

 

Sept 1 Was a bday date night.  We spent about $25 on drinks/food, however I used my bday money I was given..so nothing out of the main account.

Sept 2 No Spend

Sept 3 Gas for my car $55.10

Sept 4 Had to get some basics of groceries to make it through the week.  Used the rest of our foodstamps, and spent $5.06 out of pocket.

 

 

I like this thread..it gives me another reason to really be strict on the spending!!

post #25 of 45

Oh my goodness.  Can I get a do-over?  I am normally so committed to these no-spend challenges.  This month has been much more difficult.  We have needed a number of things for the house and everyone seems to have outgrown their clothes all at once!  We are normally so frugal and budgeted and it shows -- our clothes are ratty, our shoes are worn and everything is breaking.  It is little stuff -- the hinge broke on the garage door,  the toilet seat cracked (and kept pinching little bottoms), the faucet was leaking and needed new washers, but it all adds up to a lot of buying stuff.  

 

I have been super careful to only spend what was truly needed and we are still within out budget, but good grief!  With kids and houses, there is always something to buy, something to be repaired, something that has been outgrown.  

 

Finally, today was a no-spend day.  And another bright note, we spent a lovely half-day at the beach yesterday and packed our lunch, so it was a free and wonderful outing.  

 

But nothing else can break!  

 

 

Sept 1 -- orngbiggrin.gif  and  redface.gif

Sept 2 -- orngbiggrin.gif  and  redface.gif

Sept 3 -- orngbiggrin.gif  and  redface.gif

Sept 4 -- orngbiggrin.gif  and  redface.gif

Sept 5 -- thumb.gif

 

 

Goals for the month:

 

Pay down credit card -- 46% of goal complete

Stick to budget!

 

thumb.gif  No spending

orngbiggrin.gif  Budgeted spending

redface.gif  Unplanned spending

post #26 of 45

Well, I most certainly won't be able to do a daily thing, but since we have zero extra dollars right now, anything other than gas and milk has to wait, period.

a. Who you are:

Sarah, 30-some, mama to 2 bugs (DS & DD)

b. Where you are going (your financial goals)

We are currently saving up for our small business vending events, buying and remodeling the house we live in, moving to the city and opening a storefront for the business; but improving my credit score is first and formost, which means paying bills, medical bills, lots of them.

c. How you plan to get there

DH changed his schedule so that we have one less day each week were he is driving 50 miles one way and paying for child care. We are also making some small changes to our spending habits to get another $100 or so a month. One of these is that I am going to quit smoking... help.giffaint.gifWish me luck!

post #27 of 45

Key:

 

thumb.gif No Spend/ budgeted spending

irked.gif unbudgeted/ un-necessary spending

hang.gif hung-dry laundry

knit.gif 30 minutes spent crafting

 

Goals for September:

thumb.gif  3/20

hang.gif  1/15

knit.gif  2/20

 

1. thumb.gif hang.gif knit.gif

2. thumb.gif knit.gif

3. irked.gif unbudgeted but necessary, $18 to buy 3 new bed pillows at Kohl's.  We're transitioning kids from the family bed to their own beds and they needed pillows.

4. thumb.gif spent the day at my parents' for my little sis's b-day.  Brought crockpot sausage and peppers made completely from things in the freezer/ pantry.

5. irked.gif spent $58 at JoAnn Fabrics for fabric for holiday gifts.  Everything was on sale and I would have bought it eventually, I just wasn't prepared to get the stuff *now*.

 

A little angry.gif about the weather, we're due for rain everyday til Thursday so my hang drying efforts are on hold until I clear space for the racks to come inside.

 

 

 

Quote:

Originally Posted by Ruthiegirl View Post

I have been super careful to only spend what was truly needed and we are still within out budget, but good grief!  With kids and houses, there is always something to buy, something to be repaired, something that has been outgrown.  

Big ole' yeahthat.gif

post #28 of 45

 Sept 1st no spend

Sept 2nd  no spend made a budget

Sept 3rd 6.00 at Traget - gift , notebooks and School map

Sept 4th no spend made 24.00

Sept 5th No spend 

Sept 6th No Spend made 25.00

 

I can not wait to get paid on Friday so I can pay some more bills. Staying on budget feels great !

 

Sarah

post #29 of 45

a. Who I am:

 

I'm Maria, Mama to 2 kiddos!  Dh works 2 jobs & very soon I will also work 2 jobs. 

b. My financial goals:

 

To be debt-free, we have 1 credit card left to pay off, as well as 2 cars, we have home repairs that are on hold until we play catchup.  I want us to each have a Roth IRA, & not live paycheck to paycheck! 

c. How I plan to get there:

 

I have been paying down the credit cards quickly and have just one left.  I put every extra cent that we have toward the card.  I just found a full time job, and will keep my other job one weekend day.  It will help pay off our debt much quicker & will be consistant work unlike my previous job.  It will also provide me with a retirement plan.  I am currently meal planning so that once the new job begins I will not rely on convience or take out.  I'm currently home to cook dinners & don't want to spend half of my paycheck on getting dinner every night.  So I've been on the huge crock pot thread & I have printed out a bunch of recipes to begin my meal plan!  I'm grocery shopping accordingly wiht sales.   I'm a bargain shopper and just ordered scrubs for the new job online and with a really great Labor day sale.  When I checked the local shop I was astounded at the prices!  I'm paying almost exactly half of what I would have paid in town, thanks hugly to the labor day sale that I found!!!        

 

 

 

post #30 of 45

Key:

thumb.gif No Spend/ budgeted spending

irked.gif unbudgeted/ un-necessary spending

hang.gif hung-dry laundry

knit.gif 30 minutes spent crafting

 

Goals for September:

thumb.gif  5/20

hang.gif  1/15

knit.gif  2/20

 

1. thumb.gifhang.gifknit.gif

2. thumb.gifknit.gif

3. irked.gif unbudgeted but necessary, $18 to buy 3 new bed pillows at Kohl's.  We're transitioning kids from the family bed to their own beds and they needed pillows.

4. thumb.gif spent the day at my parents' for my little sis's b-day.  Brought crockpot sausage and peppers made completely from things in the freezer/ pantry.

5. irked.gif spent $58 at JoAnn Fabrics for fabric for holiday gifts.  Everything was on sale and I would have bought it eventually, I just wasn't prepared to get the stuff *now*.

6. thumb.gif

7. thumb.gif

post #31 of 45
Thread Starter 

Here's my key:

 

whistling.gif = Unnecessary or non-budgeted spending

orngbiggrin.gif = Budgeted spending only

love.gif = No spending today

hang.gif = Line dried clothes

treehugger.gif = No-drive day

knit.gif= 30 minutes + crafting

 

 

Sep 1:  orngbiggrin.gif  hang.gif  knit.gif$135.00 groceries.  (Is it just me, or are they going up in price again? irked.gif)

 

Sep 2:  orngbiggrin.gif hang.gif knit.gif$20.00 planned meal out. 

 

Sep 3:  orngbiggrin.gif knit.gif hang.gif $30.00 back-to-school thrift shopping

 

Sep 4: whistling.gifknit.gifhang.gif Spontaneous, over-priced, poorly rationalized dinner out.  ("But, but.....it's a long weekend.  We *deserve* this!")

 

Sep 5: whistling.gif knit.gif Technically non-budgeted but I'll just spend less on groceries next trip.  DH bought some BBQ supplies (including beer) for tonight.  $12.00. Skipped doing laundry today, so I don't get to post my favorite icon with the smiley hanging clothes on the line. 

 

Sep 6: orngbiggrin.gif treehugger.gif hang.gif knit.gif

 

Sep 7: whistling.gifForgot to pack snack while running errands.  $5.00 in the hole from coffee shop.

 

Sep 8: orngbiggrin.gif

 

Sep 9: orngbiggrin.gif

 

Sep 10: 2whistle.gif Coffee stop.  Bought beer after we'd cut booze out of our grocery budget.

 

Sep 11: whistling.gif Bought Amy's Meals because they were "on sale."  You know what's cheaper than getting something on sale that you don't need?  Not getting it!  banghead.gif

 


Edited by Turquesa - 9/11/11 at 2:05pm
post #32 of 45

I need to join this.  It seems that DH and I spend money literally every day in some fashion.  I'm 30 and this month, going officially part-time at work and really just want to curtail excess spending so we can live within the boundaries of my new salary.  It's embarrassing, but even if we went 10 days in a month without spending, that would be huge.  Here goes.

 

Sep 1:

2 needed food for party

3 needed food for party

4 bought fabric for dress

5 bought yarn for sweater, needed gas for grill

6 needed diapers, dh went to menards

7 none

8

post #33 of 45

I am feeling conflicted on whether or not I should go to the case-lot sale tomorrow.  There are several things on sale that we use on a regular basis, however, this could turn into a fairly large expense..so I'm just trying to figure out what is really necessary.

 

Sept 1 Was a bday date night.  We spent about $25 on drinks/food, however I used my bday money I was given..so nothing out of the main account.

Sept 2 No Spend thumb.gif

Sept 3 Gas for my car $55.10

Sept 4 Had to get some basics of groceries to make it through the week.  Used the rest of our foodstamps, and spent $5.06 out of pocket.

Sept 5 Early xmas present for DS on sale $10.  I did actually do some line drying today on my apt balcony!

Sept 6 No spend thumb.gif

Sept 7 No spend thumb.gif

Sept 8 DH bought gas $40.22

post #34 of 45

Forgot to mention that I did ride public transit 5/8 days since the beginning of the month.  At least I feel like I'm saving on money and pollution there!  DS and I even took the train to a bday party this weekend instead of driving!

post #35 of 45

Key:

thumb.gif No Spend/ budgeted spending

irked.gif unbudgeted/ un-necessary spending

hang.gif hung-dry laundry

knit.gif 30 minutes spent crafting

 

Goals for September:

thumb.gif  6/20

hang.gif  1/15

knit.gif  2/20

 

 

1. thumb.gifhang.gifknit.gif

2. thumb.gifknit.gif

3. irked.gif unbudgeted but necessary, $18 to buy 3 new bed pillows at Kohl's.  We're transitioning kids from the family bed to their own beds and they needed pillows.

4. thumb.gif spent the day at my parents' for my little sis's b-day.  Brought crockpot sausage and peppers made completely from things in the freezer/ pantry.

5. irked.gif spent $58 at JoAnn Fabrics for fabric for holiday gifts.  Everything was on sale and I would have bought it eventually, I just wasn't prepared to get the stuff *now*.

6. thumb.gif

7. thumb.gif

8. thumb.gif

post #36 of 45



 

Quote:
Originally Posted by mom2dea View Post

 

Sept 1st  thumb.gif

Sept 2nd  thumb.gif made a budget

Sept 3rd irked.gif 6.00 at Traget - gift , notebooks and School map

Sept 4th thumb.gif made 24.00

Sept 5th thumb.gif

Sept 6th thumb.gif made 25.00

Sept 7th thumb.gif

Sept 8th irked.gif 28.00 on Food items and my huuby brought me and him dinner out as special treat I knew nothing about :)

(I made $30.00 on the 6th instead of 25 so we spent that so nothing out of the budget)

Sept 9thorngbiggrin.gif 25.00 riding lessonfor daughter and 60.00 gas for van

(these are budget amounts)

Sept 10th irked.gif I am taking 41.00 cash out of paycheck  that was extra to go to a very large community garage sale but I may not spend it.

 

 

 Staying on budget feels great , Paid the bills for todays paycheck!

 

Sarah



 


Edited by mom2dea - 9/12/11 at 11:35am
post #37 of 45

Key:

 

thumb.gif No Spend/ budgeted spending

irked.gif unbudgeted/ un-necessary spending

hang.gif hung-dry laundry

knit.gif 30 minutes spent crafting

 

Goals for September:

thumb.gif  8/20

hang.gif  2/15

knit.gif  2/20

 

 

1. thumb.gifhang.gifknit.gif

2. thumb.gifknit.gif

3. irked.gif unbudgeted but necessary, $18 to buy 3 new bed pillows at Kohl's.  We're transitioning kids from the family bed to their own beds and they needed pillows.

4. thumb.gif spent the day at my parents' for my little sis's b-day.  Brought crockpot sausage and peppers made completely from things in the freezer/ pantry.

5. irked.gif spent $58 at JoAnn Fabrics for fabric for holiday gifts.  Everything was on sale and I would have bought it eventually, I just wasn't prepared to get the stuff *now*.

6. thumb.gif

7. thumb.gif

8. thumb.gif

9. thumb.gif hang.gif FINALLY!!  The rain let up and I was able to get a load on the drying racks!!

10. thumb.gif Went apple picking, stayed w/in the budget and picked 116lbs of apples.  My mom and I will get canning this week for applesauce and apple pie filling for the year.

11. irked.gif Overspent our grocery budget by $100.

post #38 of 45

Originally Posted by mom2dea View Post
 

 

Sept 1st thumb.gif

Sept 2nd thumb.gif made a budget

Sept 3rd irked.gif 6.00 at Traget - gift , notebooks and School map

Sept 4th thumb.gif made 24.00

Sept 5th thumb.gif

Sept 6th thumb.gif made 25.00

Sept 7th thumb.gif

Sept 8th irked.gif 28.00 on Food items and my huuby brought me and him dinner out as special treat I knew nothing about :)

(I made $30.00 on the 6th instead of 25 so we spent that so nothing out of the budget)

 

Sept 9thorngbiggrin.gif 25.00 riding lesson for daughter and 60.00 gas for van, 40.00 on car for gas

(these are budget amounts) Also paid all bills today!

 

Sept 10th irked.gif I am taking 41.00 cash out of paycheck that was extra to go to a very large community garage sale but I may not spend it. ---- Spent 25.00 got 2 christmas gifts and tons of school books !!! irked.gif Spent 21.00 on pants for DS and THread as he forgot to tell me he needed them for Youth  and Hubby forgot to tell me that badges needed to be sewed onto boyscout outfit ! I used 5.00 from the money I made and all of the 41.00 on todays items :(

 

Sept 11thirked.giforngbiggrin.gif 3.00 on crap so my daughter can be normal at Cheerleading ! But It came out of budget food money !

 

Sept 12th orngbiggrin.gif Private for Cheer $25.00 and I am going food shopping today

 

---I know only have 19.00 extra for the end of the month bills :( ---

 

 

Sarah

post #39 of 45
Thread Starter 
Quote:
Originally Posted by Turquesa View Post

Here's my key:

 

whistling.gif = Unnecessary or non-budgeted spending

orngbiggrin.gif = Budgeted spending only

love.gif = No spending today

hang.gif = Line dried clothes

treehugger.gif = No-drive day

knit.gif= 30 minutes + crafting

 

 

Sep 1:  orngbiggrin.gif  hang.gif  knit.gif$135.00 groceries.  (Is it just me, or are they going up in price again? irked.gif)

 

Sep 2:  orngbiggrin.gif hang.gif knit.gif$20.00 planned meal out. 

 

Sep 3:  orngbiggrin.gif knit.gif hang.gif $30.00 back-to-school thrift shopping

 

Sep 4: whistling.gifknit.gifhang.gif Spontaneous, over-priced, poorly rationalized dinner out.  ("But, but.....it's a long weekend.  We *deserve* this!")

 

Sep 5: whistling.gif knit.gif Technically non-budgeted but I'll just spend less on groceries next trip.  DH bought some BBQ supplies (including beer) for tonight.  $12.00. Skipped doing laundry today, so I don't get to post my favorite icon with the smiley hanging clothes on the line. 

 

Sep 6: orngbiggrin.gif treehugger.gif hang.gif knit.gif

 

Sep 7: whistling.gifForgot to pack snack while running errands.  $5.00 in the hole from coffee shop.

 

Sep 8: orngbiggrin.gif

 

Sep 9: orngbiggrin.gif

 

Sep 10: 2whistle.gif Coffee stop.  Bought beer after we'd cut booze out of our grocery budget.

 

Sep 11: whistling.gif Bought Amy's Meals because they were "on sale."  You know what's cheaper than getting something on sale that you don't need?  Not getting it!  banghead.gif

 

Sep 12: whistling.gif Coffee again.  Dammit.  Gotta figure something to combat this nasty habit....

 

Sep 13: orngbiggrin.gif $500 well-budgeted for attic insulation, and our power company provides a rebate.  Good-bye ice dams!  And bring on those heating bills!  (Um, no, not really.... hide.gif)

 

Sep 14: whistling.gif $15 over budget on groceries

 

Sep 15: orngbiggrin.gif Budgeted lunch out with family.

 



 


Edited by Turquesa - 9/15/11 at 4:12pm
post #40 of 45

Key:

thumb.gif No Spend/ budgeted spending

irked.gif unbudgeted/ un-necessary spending

hang.gif hung-dry laundry

knit.gif 30 minutes spent crafting

 

Goals for September:

thumb.gif  9/20

hang.gif  3/15

knit.gif  3/20

 

 

1. thumb.gifhang.gifknit.gif

2. thumb.gifknit.gif

3. irked.gif unbudgeted but necessary, $18 to buy 3 new bed pillows at Kohl's.  We're transitioning kids from the family bed to their own beds and they needed pillows.

4. thumb.gif spent the day at my parents' for my little sis's b-day.  Brought crockpot sausage and peppers made completely from things in the freezer/ pantry.

5. irked.gif spent $58 at JoAnn Fabrics for fabric for holiday gifts.  Everything was on sale and I would have bought it eventually, I just wasn't prepared to get the stuff *now*.

6. thumb.gif

7. thumb.gif

8. thumb.gif

9. thumb.gif hang.gif FINALLY!!  The rain let up and I was able to get a load on the drying racks!!

10. thumb.gif Went apple picking, stayed w/in the budget and picked 116lbs of apples.  My mom and I will get canning this week for applesauce and apple pie filling for the year.

11. irked.gif Overspent our grocery budget by $100.

12. thumb.gif hang.gif knit.gif

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