October No-Spend Challenge: Stop That Extra Spending from "Goblin" Up Your Savings - Page 4

[AnkaJones]

Oct 15:    No spend.  And working an extra shift for OT pay!!!  It's hard being away from the nugget at night for 12 hours, but I want to give him a college fund not a cosignature.  And I def don't want to be repaying my student loans still when trying to send him to college.  I just keep telling myself that.   But I think I'm gonna cry (just went back to work last week). 

Oct 16:  Because I was gone all night, didn't pack DH lunch, so he bought it at work.  Worked from home myself so saved on gas.

Oct 17:   No spend

Oct 18:   No spend

Oct 19:   Budgeted grocery spending

Oct 20:   No spend

Oct 21:   No spend

Edited by AnkaJones - 10/22/11 at 1:13pm

[meandk0610]

true no spend

planned spending

unplanned, bad! spending

called into UA/DA phone meeting

10/1  

10/2  

10/3  

10/4  

10/5 bought christmas presents that i had not planned on buying right then just because it was convenient (though i guess i could say that i don't have to make another trip), i bought them using savings instead of budgeted gift money, 

10/6  

10/7     i also called consumer credit counselling services to set up an appointment to figure out if i either need to file bankruptcy or if they can set up a repayment plan for my 2 credit cards. i have been unable to pay them since last summer.

10/8   didn't actually spend but i did forget to renew about 10 library items so my fine will be an additional $2. i also missed any DA or UA meetings because i couldn't find my earpiece for the phone.

10/9

10/10 don't remember

10/11 don't remember

10/12  

10/13  

10/14  

10/15  

10/16 $4.75 - bought some school glue and wide-ruled notebooks on clearance sale when we went to the grocery store.

time is getting away from me too fast!

[meandk0610]

true no spend

planned spending

unplanned, bad! spending

called into UA/DA phone meeting

10/1  

10/2  

10/3  

10/4  

10/5 bought christmas presents that i had not planned on buying right then just because it was convenient (though i guess i could say that i don't have to make another trip), i bought them using savings instead of budgeted gift money, 

10/6  

10/7     i also called consumer credit counselling services to set up an appointment to figure out if i either need to file bankruptcy or if they can set up a repayment plan for my 2 credit cards. i have been unable to pay them since last summer.

10/8   didn't actually spend but i did forget to renew about 10 library items so my fine will be an additional $2. i also missed any DA or UA meetings because i couldn't find my earpiece for the phone.

10/9

10/10 don't remember

10/11 don't remember

10/12  

10/13  

10/14  

10/15  

10/16 $4.75 - bought some school glue and wide-ruled notebooks on clearance sale when we went to the grocery store.

10/17 ~$20 - darn you, costco! darn you to heck! i went in to get eggs, blueberries and frozen bananas and came out also with frozen cherries and frozen raspberries.

[mylilmonkeys]

10/15 Was out all Saturday helping DH with a school project.  Since we were in the city we usually do our shopping, I would normally try to get in a few unplanned "errands", but I didn't!  I was good, and we spent nothing other than the gas to get there and back.  Because Nana was babysitting the children still at home, the TV/game systems were used all day.  Oh well, I'm pretty much ignoring power consumption on weekends anyway, except for keeping on top of lights.

10/16 Home all day.

10/17

[diana_of_the_dunes]

I'm a late starter this month, but I've done this before. Here are the basics:

a. Who you are

I'm Diana, mama to 1 rambunctious little boy, and wife to DH.  I'm a full-time WOH mama. 

b. Where you are going (your financial goals) and

Right now, we're slowly going broke.  The house has really been nickle-and-diming us (except with some extra zeroes), and we've also needed lots of car repairs.  And now we have medical bills from our recent miscarriage (though thankfully we have good insurance, and I'm covered on both mine and DH's).  We follow Dave Ramsey, and aside from $278.00 on one student loan, we are debt-free.  I want that gone next month.  We also NEED to rebuild our savings/emergency fund, as it's been nearly eaten up by the house and car repairs.  I was also off work for a month post-miscarriage, for recovery from anemia and sort of a mental health vacation.  Because DH and I have both been so stressed and miserable - as well has having our kitchen torn up and unusable from plumbing issues - we've eaten out way more than we should.  We really need to get back on track.

c. How you plan to get there

Right now, the main thing is to not spend any money til payday (21st).  After that, stick to our budget, which I will be working on in the interim.  My overall plan is to eat out once per week, cook double batches so we have lots of leftovers to freeze, take my lunch to work, and pray for no more disasters.  I bought an espresso machine this year, so that's helped me kill my Starbucks habit.  I found it used, and I think it paid for itself within a week or two. 

18 - taking lunch to work, lots of leftovers so no need to cook

19 -

20 -

21 - Payday!!! 

22 -

23 -

24 -

25 -

26 -

27 -

28 -

29 -

30 -

31 -

[mylilmonkeys]

Diana - I am so sorry to hear about your miscarriage.  How heartbreaking, and to have all the added stress of house repairs and car issues.  

[mylilmonkeys]

10/18  Not sure which face to put on this one.  I have been saving up for a new sewing/embroidery machine and my Gma just gifted me the last $200 I needed for it, so I just ordered it on Amazon!!  Yeah!!  I can't wait to embroider names on my kids stuff so they can stop being confused about whose pants/socks/undies are whose!  I'm tired of seeing 7yo DS's calves sticking out of 5yo DS's pants. LOL  My mom also gave me $100 and my dad $50 towards this machine.  I am so grateful!  Embroidered Christmas gifts for everyone. 

[diana_of_the_dunes]

mylilmonkeys - Thanks    It's been a really rough year.  Just one thing after another, and our finances have almost completely fallen apart.  It's a really good thing we had more than the DR $1000 in savings, though.  Otherwise we'd really be in trouble.  That's awesome about your new embroidery machine!  And so funny about your kids accidentally wearing each other's clothes... 

[Paigekitten]

 Spent nothing

 Budgeted spending

 , Unbudgeted spending

Oct. 13th I can't remember....... : (

Oct 14th ?

Oct 15 

Oct 16 

Oct 17  Chicken feed and milk

Oct 18th

[diana_of_the_dunes]

= no-spend day

= budgeted spending

= not in budget, but necessary

= frivolous spending

18 - taking lunch to work, lots of leftovers so no need to cook

19 - taking lunch to work, set out pasta for DH to make for dinner

20 -

21 - Payday!!! 

22 -

23 -

24 -

25 -

26 -

27 -

28 -

29 -

30 -

31 -

[Turquesa]

20 -  Budgeted lunch out at $10.00

19 -  Thanks to a gift card from DH's employer (they're starting another round of lay-offs, so this was their pitiful attempt at distracting employees ) managed to keep groceries at $120 this week.

18 - Unbudgeted but necessary $80.00 in thrifted maternity clothes for Mama.  (This pregnancy was also, ahem, "unbudgeted."  )

17 -  Weekly allotted latte out.

16 -  $25.00 church collection

[diana_of_the_dunes]

= no-spend day

= budgeted spending

= not in budget, but necessary

= frivolous spending

18 - taking lunch to work, lots of leftovers so no need to cook

19 - taking lunch to work, set out pasta for DH to make for dinner

20 - didn't take lunch to work, but got free food from a co-worker, made crockpot dinner for DH

21 - Payday!!! 

22 -

23 -

24 -

25 -

26 -

27 -

28 -

29 -

30 -

31 -

[mylilmonkeys]

: budgeted/no spend

: Impulse spending

: unexpected legitimate spending

: energy consumption

10/19 Ordered my water kefir grains - budgeted.  

10/20Finally needed to turn the heat on.  Getting to this point in October here is a feat.  I was going to try to keep the heat low and just use the space heater for the room we were occupying, but I realized that being cold makes me cranky and not feel like doing anything.  I don't like snapping at the kids, and I really need to be as on top of housework as possible, so it is worth turning the furnace up higher.  I'll continue working on lights and TV/entertainment usage.

[diana_of_the_dunes]

I'm so proud of myself for not spending any money this week!  We took out cash for our grocery and out-to-eat spending, and I'm going to stick to my budgeted amounts to see what impact it has on our pantry.  I've gotten good about shopping the sales and stocking up when prices are really low, so I'm hoping it will all balance out on a monthly basis.  Barring any catastrophes, we should be able to save $800 this month, which will give us our emergency fund back. 

= no-spend day

= budgeted spending

= not in budget, but necessary

= frivolous spending

18 - took lunch to work, lots of leftovers so no need to cook

19 - took lunch to work, set out pasta for DH to make for dinner

20 - didn't take lunch to work, but got free food from a co-worker, made crockpot dinner for DH

21 - took lunch to work, and it's payday!!! 

22 - going to farmer's market to buy produce, planned next week's meals

23 -

24 -

25 -

26 -

27 -

28 -

29 -

30 -

31 -

[diana_of_the_dunes]

= no-spend day

= budgeted spending

= not in budget, but necessary

= frivolous spending

18 - took lunch to work, lots of leftovers so no need to cook

19 - took lunch to work, set out pasta for DH to make for dinner

20 - didn't take lunch to work, but got free food from a co-worker, made crockpot dinner for DH

21 - took lunch to work, and it's payday!!! 

22 - going to farmer's market to buy produce ($35 including vacuum bags), planned next week's meals, $4 at Taco Bell (ran out of time to eat), took lunch

23 - projected. Taking lunch to work, lots of leftovers for DH and DS.

24 -

25 -

26 -

27 -

28 -

29 -

30 -

31 -

[diana_of_the_dunes]

Did I scare everyone away?  Where did you all go?? 

Yesterday didn't go quite as planned, as I ended up getting busy at home and didn't have time for breakfast.  So I stopped at McDonald's for a salad.  Hmpf.  Took the money out of our "eating out/entertainment" category.  Today will be my first cash-only grocery shopping trip.  There aren't any great sales at any stores that I shop, so we should be just getting the necessities and eating from the pantry.

= no-spend day

= budgeted spending

= not in budget, but necessary

= frivolous spending

18 - took lunch to work, lots of leftovers so no need to cook

19 - took lunch to work, set out pasta for DH to make for dinner

20 - didn't take lunch to work, but got free food from a co-worker, made crockpot dinner for DH

21 - took lunch to work, and it's payday!!! 

22 - going to farmer's market to buy produce ($35 including vacuum bags), planned next week's meals, $4 at Taco Bell (ran out of time to eat), took lunch

23 - breakfast out. Taking lunch to work, lots of leftovers for DH and DS.

24 -

25 -

26 -

27 -

28 -

29 -

30 -

31 -

[mylilmonkeys]

: budgeted/no spend

: Impulse spending

: unexpected legitimate spending

: energy consumption

10/21  Boys left lights on and got fined.  

10/22 

10/23  Ugh, woke up this AM and dh had forgotten to switch off the power strip.  

[AnkaJones]

Hi Diana... I just usually edit my old post :)  I guess that doesn't help build a sense of community, though... so here we go!
 

Originally Posted by AnkaJones 

Oct 15:    No spend.  And working an extra shift for OT pay!!!  It's hard being away from the nugget at night for 12 hours, but I want to give him a college fund not a cosignature.  And I def don't want to be repaying my student loans still when trying to send him to college.  I just keep telling myself that.   But I think I'm gonna cry (just went back to work last week). 

Oct 16:  Because I was gone all night, didn't pack DH lunch, so he bought it at work.  Worked from home myself so saved on gas.

Oct 17:   No spend

Oct 18:   No spend

Oct 19:   Budgeted grocery spending

Oct 20:   No spend

Oct 21:   No spend

Oct 22:   Unbudgeted winter clothes for DS.  He will need them eventually, but I budgeted them for next month.

Oct 23: :    I have a cold and things are kinda falling apart on the meal planning/cooking front.  I forgot to pull the chicken out of the freezer.  DH saved he day by making a cheap pasta dish, but he had to go out and shop for it.  Got an unbudgeted grow light because I couldn't watch my indoor container garden die any longer.

Oct 24:    No spend

[mylilmonkeys]

How much did you spend on your grow light?  We can't grow anything in this house because of the poor light.  It'd be nice if we could get something past the seedling stage!

[PoetryLover]

I'm going to try to join you guys next month.