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NoSpend November - Money in the Bank is a Reason to be Thankful - Page 2

post #21 of 61

 

Goal:: Only spend on the necessities and have it only be preplanned spending. Get and stay on track with bills. Necessities are :: grocery (within budget--- hopefully less than, but up to $150/week)

          2 space heaters ($50/each), kid winter neccessities (hats/gloves/etc.. $100 total), gloves for myself ($10), Walmart layaway for Christmas pressies, rent a lens ($200), big Thanksgiving dinner ($150). Other than that, pay bills on time, and try to save $300

 

11.1 - $3$0 Sams club. Freaked at how much money that is, but it was all pre-planned spending.

11.2 - $150 grocery store

11.3 - $0 yay!

11.4 - $0 yay!

 

Now to get through the weekend not spending a dime.....

post #22 of 61

Hi,

 

Thurs: $6 at the gym cafe, after working out. I told myself to bring food for Fri so I didn't do it again!

Fri: $2 at the gym cafe, since I forgot that I had pumpkin seeds to snack on. then hubby wanted a treat from the store we stopped at for dd (2yr) to pee. so $3.50 that's $5.50, not much of an improvement from yesterday!

 

however, inspired by all you ladies, I will do a meal plan for the coming week and make sure to include snacks on it- our downfall. then i will try sticking to a budget and shopping list at the store.

 

what is something that you've found a cheaper replacement for? for example, I love borax, baking soda, and vinegar to clean with. (along with dish soap). I treated myself to some bathroom cleaners, and decided they don't work any better and cost a lot more!

 

Hiroko

post #23 of 61

Goals for November

No spend/ budgeted days 4/25
30+ min crafting 3/25

Key
thumb.gif No spend/ budgeted
irked.gif Unbudgeted/ unnecessary spending
knit.gif 30+ min crafting

 

 

 

1. thumb.gif  ordered gifts for 2 birthdays, was thankfully already budgeted for. knit.gif

2. thumb.gif  ordered fabric for the kiddos matching Christmas pjs, $$ was budgeted.  knit.gif

3. thumb.gif knit.gif

4. thumb.gif

post #24 of 61

 

Goal:: Only spend on the necessities and have it only be preplanned spending. Get and stay on track with bills. Necessities are :: grocery (within budget--- hopefully less than, but up to $150/week)

          2 space heaters ($50/each), kid winter neccessities (hats/gloves/etc.. $100 total), gloves for myself ($10), Walmart layaway for Christmas pressies, rent a lens ($200), big Thanksgiving dinner ($150). Other than that, pay bills on time, and try to save $300

How I'l get there:: not spending money on any unnecessary purchases.

 

11.1 - $3$0 Sams club. Freaked at how much money that is, but it was all pre-planned spending.

11.2 - $150 grocery store

11.3 - $0 yay!

11.4 - $0 yay!

11.5 - $20.14 on cough and cold meds. We're all sick :(

 

I'm pretty stressed. I only have about $200 until I get paid on the 16th. I really needed to buy two space heaters asap, but that is going to have to wait now :/

post #25 of 61

 

Dh spent some money on household goods -- tp, cat litter, and a new trac phone.  

 

 

Nov 1 -- no spend

Nov 2 -- 10.00 kids lunch money,  6.58 milk

Nov 3 -- 50.00 school donation

Nov 4 -- 104.42 groceries

Nov 5 -- 66.01 household supplies

Nov 6

 

 

 

 

post #26 of 61

GOALS:

 

Hang out laundry 0/25

Take lunch to work 0/25

Cook dinner at home:0/25

 

KEY:

 

No spending: thumb.gif

Budgeted spending:winky.gif

Unbudgeted spending:hide.gif

 

Took lunch to work:eat.gif


Cooked dinner at home:clap.gif

 

Hung laundry out:hang.gif

 

 

I am going to start on today since I didn't record the 1st,or 2nd.

 

11/3: Bought my mom some dinner tonight at Hardee's hide.gif, hubby cooked me dinner and I brought lunch to work today so yay. Maybe tomorrow will be a no spending day since I don't plan to leave home at all since I am off work. eat.gifclap.gif

 

11/4: thumb.gifclap.gif Didn't leave home yesterday.

11/5: hang.gif,clap.gifspent some money today on getting medicine, and going to the dr that wasn't budgeted but I needed to go.



 

post #27 of 61

 

Crumbs,  I forgot that we have a birthday party this afternoon for dd's good friend.  Need to pick up a small gift. 

 

 

 

Nov 1 -- no spend

Nov 2 -- 10.00 kids lunch money,  6.58 milk

Nov 3 -- 50.00 school donation

Nov 4 -- 104.42 groceries

Nov 5 -- 66.01 household supplies

Nov 6 -- birthday gift

Nov 7 

Nov 8

Nov 9

Nov 10 

Nov 11 -- pay day! 


Edited by Ruthiegirl - 11/6/11 at 6:28am
post #28 of 61

Joining you all!

 

a. Who you are: Megan (21) Wife to J (21) & Mama to N (3) and M (1).

b. Where you are going (your financial goals): We need to get out of debt!  Would eventually like to create some sort of emergency savings, but we need to get out of debt!!

c. How you plan to get there: Pick up extra shifts at work, cut unnecessary spending, eat up everything in our house before buying other stuff (ie eating the cheap aldi pasta that we don't care for as opposed to buying a different brand).  Perhaps sell some things, but DH is not totally on board with that!

 

Key:

kid.gif= No Spending or budgeted for (if budgeted for, I'll write what it was next to the smiley!)

greensad.gif = unbudgeted but necessary expense

bag.gif = unnecessary and/or/ frivolous spending

 

11/1/11 - kid.gif $825 spent towards rent.

11/2/11 - kid.gif
11/3/11 - kid.gif

11/4/11 - kid.gif Cat litter & bleach, $10

11/5/11 - kid.gif

11/6/11 - kid.gif
 

post #29 of 61

 

Easy day here.  No spending day planned -- lots of laundry, vacuuming and child care to keep me busy.  

 

Nov 1 -- no spend

Nov 2 -- 10.00 kids lunch money,  6.58 milk

Nov 3 -- 50.00 school donation

Nov 4 -- 104.42 groceries

Nov 5 -- 66.01 household supplies

Nov 6 -- 31.86 birthday gift

Nov 7  -- no spend

Nov 8

Nov 9

Nov 10 

Nov 11 -- pay day! 

 
post #30 of 61

Yeek, I got behind.  But I found out on Saturday that I'm pregnant!joy.gif  Definitely need to start squirreling money away in savings, since that unpaid maternity leave is going to be in 9 months!

 

thumb.gif = no-spend day

smile.gif = budgeted spending

irked.gif = not in budget, but necessary

bag.gif = frivolous spending

 

11/01 - smile.gif  splurged on Starbucks, but money came from "entertainment and eating out" budget, cooked dinner

11/02 - smile.gif  DH got a "snack" at Popeye's chicken, leftovers for dinner

11/03 - smile.gif  going grocery shopping, planned meals for the next week.  Will cook tonight.  bag.gif used cell phones on ebay. Also bought hat and gloves from DS and bra for me.  May end up being free, because my mom had Kohl's cash and a coupon, and she mentioned not having to pay her back.

11/04 - smile.gif  Payday!  I paid off Sallie Mae this morning, so all our debt is finally gone!!!  Date night!

11/05 - smile.gif  $4 for lunch at work.  I brought food, but ended up being hungrier than expected.

11/06 - thumb.gif

11/07 - irked.gif $300 for repairs to DSD's car.  She's paying us back, but on a monthly plan.

post #31 of 61
Quote:

Originally Posted by ehflores View Post

 

what is something that you've found a cheaper replacement for? for example, I love borax, baking soda, and vinegar to clean with. (along with dish soap). I treated myself to some bathroom cleaners, and decided they don't work any better and cost a lot more!

 

Hiroko



I make my own laundry soap with grated Fels Naptha soap, borax, and washing soda.  I usually toss in some OxyClean powder too.  Saves a TON of money!

post #32 of 61

Diana, congrads on the pregnancy!  That's so wonderful.

 

Hiroko, things to save money... I find that the big savings for me comes from just line drying my laundry.  It doesn't take more than 10 minutes more than using the drier, my clothes are less wrinkly at the end of it, and it cuts our laundry expenses in half (we go to a laundromat).  A couple of times a month I do a load by hand, which saves enough money that my husband and I can have some special treat, but it takes so much time I'm not sure I can recommend it for routine use.  Another set of things is not so much replacement category and more the do without category -- do you really need to shave your legs? wash your hair every day? launder something each time you wear it? and so on... the answers depend on what kind of work you do, of course, but if you go through your life you might find a lot of things like this that add up over time.  Oh, and last but not least, call all your service providers a couple of times a year and ask them if they can lower your rates.  You'd be shocked to find out how often the answer is "yes".

 

Best,

Anka

post #33 of 61

 

Another no-spend planned here.  More laundry and some gardening are on the schedule.   I would like to harvest some kale and make a rice/kale/egg dish for dinner.  Trying to stay focused here -- using what I have on hand and keeping things frugal.  

 

 

 

Nov 1 -- no spend

Nov 2 -- 10.00 kids lunch money,  6.58 milk

Nov 3 -- 50.00 school donation

Nov 4 -- 104.42 groceries

Nov 5 -- 66.01 household supplies

Nov 6 -- 31.86 birthday gift

Nov 7 -- no spend  

Nov 8 -- no spend
Nov 9

Nov 10 

Nov 11 -- pay day! 

 
post #34 of 61

Goals for November
No spend/ budgeted days 5/25
30+ min crafting 4/25

Key
thumb.gif No spend/ budgeted
irked.gif Unbudgeted/ unnecessary spending
knit.gif 30+ min crafting

 

1. thumb.gif  ordered gifts for 2 birthdays, was thankfully already budgeted for. knit.gif

2. thumb.gif  ordered fabric for the kiddos matching Christmas pjs, $$ was budgeted.  knit.gif

3. thumb.gif knit.gif

4. thumb.gif

5. thumb.gif knit.gif

6. irked.gif overspent the food budget.  I think I need to go over the budget again for this, we seem to be consuming more food than I thought (my kids are eating me out of house and home!!!)

7. irked.gif it was DH's bday and we made a last minute to go to Red Lobster, wasn't in the plans, though, but we had lots of fun!

post #35 of 61

thumb.gif = no-spend day

smile.gif = budgeted spending

irked.gif = not in budget, but necessary

bag.gif = frivolous spending

 

11/01 - smile.gif  splurged on Starbucks, but money came from "entertainment and eating out" budget, cooked dinner

11/02 - smile.gif  DH got a "snack" at Popeye's chicken, leftovers for dinner

11/03 - smile.gif  going grocery shopping, planned meals for the next week.  Will cook tonight.  bag.gif used cell phones on ebay. Also bought hat and gloves from DS and bra for me.  May end up being free, because my mom had Kohl's cash and a coupon, and she mentioned not having to pay her back.

11/04 - smile.gif  Payday!  I paid off Sallie Mae this morning, so all our debt is finally gone!!!  Date night!

11/05 - smile.gif  $4 for lunch at work.  I brought food, but ended up being hungrier than expected.

11/06 - thumb.gif

11/07 - irked.gif $300 for repairs to DSD's car.  She's paying us back, but on a monthly plan.

11/08 - smile.gif DH stopped at grocery store

post #36 of 61

I haven't been here in quite a long time, but I am feeling the need to get back on a budget and stop spending so much money, and this thread has been helpful to me in the past :)

 

I was in grad school from last May through this July (living off student loans) and I have a teaching job now and a regular paycheck, but I have NOT been very frugal with my new income.  I am a single mama to 2 kiddos and in general, I have our expenses pared down pretty well.  I would like to get back on a budget for groceries and meal plan better.  I would also like to practice being happy with the stuff I have.  I will NOT use my credit card!  I am going to have to start paying my student loans back in a few months, and I want to be able to save some money in addition to making those payments.  Here's my key:

 

biggrinbounce.gif  No spend/budgeted spending day

 

duh.gif  Unbudgeted spending

 

My budget includes the following for the rest of the month:

 

Groceries  $200

Gas  $120

Trip to CA  $125 (food/airport parking)

 

Starting today:

 

11/8 biggrinbounce.gif No spend

 

 

post #37 of 61

 

 

Goal:: Only spend on the necessities and have it only be preplanned spending. Get and stay on track with bills. Necessities are :: grocery (within budget--- hopefully less than, but up to $150/week)

          2 space heaters ($50/each), kid winter neccessities (hats/gloves/etc.. $100 total), gloves for myself ($10), Walmart layaway for Christmas pressies, rent a lens ($200), big Thanksgiving dinner ($150). Other than that, pay bills on time, and try to save $300

How I'l get there:: not spending money on any unnecessary purchases.

 

11.1 - $3$0 Sams club. Freaked at how much money that is, but it was all pre-planned spending.

11.2 - $150 grocery store

11.3 - $0 yay!

11.4 - $0 yay!

11.5 - $20.14 on cough and cold meds. We're all sick :(

11.6 - $0 yay!

11.7 - $25.70 on M's school snack and drink... my week to supply

11.8 -$ 6.15 on lunch- not too bad, since I get $7 for lunch anyway, but I don't like to use it.... I'm now working in a new courthouse so I haven't gotten in the swing of packing my lunch... need to do that!- Also had to book hotel for overnight trip on the 11th. $98. :/ Ergh.

11.9 -

11.10- 

11.11 - 

11.12 -

11.13 -

11.14 -

11.15 -

11.16 - Pay Day!!!!

post #38 of 61

 

No spending planned again today.  We are out of milk, but I think we can limp through the next 2 days till Friday when I had planned on shopping.  Kids are happy enough with what we have on hand and I just found some butter in the freezer and plan on making some cookies this afternoon.  I have chicken and potatoes for dinner tonight which is a family favorite.  It's funny, my fridge looks empty, but then when I think about it, I find that I have plenty of ingredients to put together a few more meals.  I just have to do the cooking!  

 

Money wise, we are looking good.  A couple of things came in under budget, so I think I will comfortably be able to pay off one cc on Friday and pay the plumber who replaced our water line.  He still hasn't sent me a bill though, so I am just holding onto the cash for now.  

 

I love these no-spend challenges.  They always remind me that what is frugal is often what is most simple and healthy for me and my family.  A quiet walk, some gardening, a clean house, a pot of chicken soup -- all are free or very low cost and make me feel good.  love.gif

 

 

Nov 1 -- no spend

Nov 2 -- 10.00 kids lunch money,  6.58 milk

Nov 3 -- 50.00 school donation

Nov 4 -- 104.42 groceries

Nov 5 -- 66.01 household supplies

Nov 6 -- 31.86 birthday gift

Nov 7 -- no spend  

Nov 8 -- no spend
Nov 9 -- no spend

Nov 10 

Nov 11 -- pay day! 

post #39 of 61

I booked a hotel room last night (haven't been charged for it yet, so I'm not counting it as spending yet ;) ) for my CA trip that I wasn't planning on, but it's only $40, so I could still feasibly stay within my budget.

 

11/8 biggrinbounce.gif No spend

11/9 biggrinbounce.gif $38 gas - budgeted spending

post #40 of 61

We got paid a day early due to the holiday tomorrow.  I paid off one cc, paid the repair bill for our stove and all of the standard bills.  I still haven't heard from the plumber, so there is a lump of cash hanging out in my account.

 

I have an OB appointment this morning and will be near the better grocery stores.  I think I may do my shopping today so that I do not have to make the drive tomorrow.  Combining errands will save me gas $$.  I have been aiming for $100 a week for milk, meat, eggs, and produce. 

 

 

Nov 1 -- no spend

Nov 2 -- 10.00 kids lunch money,  6.58 milk

Nov 3 -- 50.00 school donation

Nov 4 -- 104.42 groceries

Nov 5 -- 66.01 household supplies

Nov 6 -- 31.86 birthday gift

Nov 7 -- no spend  

Nov 8 -- no spend
Nov 9 -- no spend

Nov 10 -- groceries

Nov 11 -- 

 

 

 

Goals for November

 

pay off cc #1 -- done

pay large bill to plumber -- waiting for bill

any extra to cc #2 

grocery money -- $100 per week

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