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NoSpend January -- Ringing in the New Year with money in the bank - Page 6

post #101 of 245

 

1/1 smile.gif no spend

1/2  smile.gif no spend

1/3 thumb.gif budgeted spending - gas, groceries, cleaners, etc.

1/4 thumb.gif budgeted spending - b'day gift for my mom, some misc. household supplies like batteries and stamps, tailors, DD 1 piano tuition, ski gloves for DH, pizza lunch out with DD2, spent more $ than I planned on. Trying for a no spend tomorrow.

1/5  smile.gif no spend, hurrah!

1/6 thumb.gif budgeted spending - $10 postage for mailing return package; $37 Staples- printer ink ($!!), some household/homework and tutoring supplies;  $25 vitamin/supplements, I got my brows/lip waxed which was desperately needed $17. Planning for a NS tomorrow.

1/7

post #102 of 245
Thread Starter 

 

Thanks everyone!!!!   Loving life with our new little one.  So, so happy. 

 

Our quiet life is paying off.  I transferred cash to our savings plan and was able to put in a little extra.  Now we just need to live a quiet, frugal month and our plan should work out for us.  

 

Still looking for places to cut costs further.  I downgraded our Netflix account -- we still have streaming, but were not using the dvds, so might as well not pay for it.  And it has been incredibly warm this week, so our heating bill should be much smaller than I had budgeted.  That will be a nice bit of cash next month.  The warm weather has meant that the garden is still producing.  I might send the kids out tomorrow to harvest spinach, kale and swiss chard.  Will be some nice veggies for the next few days.  

 

Skipped the grocery shopping -- we have enough in the fridge and freezer to get by for another couple of days.  Might need some milk, but that is an easy stop at the local shop.  

 

So, keeping to the plan....

 

 

 

Jan 1 -- thumb.gif

Jan 2 -- thumb.gif

Jan 3 -- 40.00 cash for hospital stay/food, 15.22 flowers, 13.12 cell phone minutes

Jan 4 -- thumb.gif

Jan 5 -- thumb.gif

Jan 6 -- thumb.gif

Jan 7

 

 

January savings goal is at 116% 

post #103 of 245

 

CONGRATULATIONS RUTH!!!!   partytime.gif

 

 

Jan 1 - orngbiggrin.gif

Jan 2 - Groceries/household goodies (326/500) thumb.gif
Jan 3 - orngbiggrin.gif (and it was my first day back to work after vacation!!)
Jan 4 - orngbiggrin.gif
Jan 5 - thumb.gif (Spent $10/$40 on some kombacha - but I get to reuse the bottles for my own brews this month)
Jan 6 - orngbiggrin.gif

 

 

post #104 of 245
1/6: $42 gas, $25 dinner - within budget
post #105 of 245
Quote:
Originally Posted by petey44 View Post

KEY

irked.gif unnecessary spending

eyesroll.gif necessary spending

thumb.gif no spending

 

1/1: irked.gif I sent DH to the store to pick up a pepper I needed for a recipe...I had bought it within the grocery budget the day before, but then DH used it without asking while fixing himself a snack...and then while he was at the store he picked up something else he wanted to make (completely disregarding the houseful of food we have, sigh). Only about $3-4, but still...

1/2: irked.gif We didn't plan properly for our trip to the nature center, and DD was HUNGRY. Again, only spent $1, but see how's it's already adding up?

1/3: thumb.gif

1/4: eyesroll.gif Gas and almond milk. Budgeted for, so it's okay.

1/5:eyesroll.gif Dog food and kitty litter.

1/6: irked.gif Beer run- we needed it, and I'll take it out of the grocery budget for the next 2 weeks (which should be how long it lasts)

1/7:

1/8:

1/9:

1/10:

1/11:

1/12:



 

post #106 of 245

1/1: No spend

1/2: No spend.  Working OT tonight.

1/3: irked.gif Shoot!  Forgot to return my library book yesterday, and now have a fine.  Worse yet, it's an interlibrary loan book... $2/day.

1/4:  No spend.  And turns out there's a grace period on the interlibrary loan book, so no fine. 

1/5: No spend.  Grocery day is tomorrow, so I'm steeling myself for the stores.

1/6:  Budgeted grocery spending (47$)... less than expected.

1/7: 9$ at farmers market (budgeted pocket money) on apple cider and apple butter.

 

I forgot my shopping list and was really worried I would either forget a bunch of stuff, then have to go to the market again opening myself to more temptation, or get a bunch of stuff I really didn't need.  Miraculously, I only forgot one thing, and I think we can make due without it until next week.

 

Anka


Edited by AnkaJones - 1/7/12 at 3:24pm
post #107 of 245
1and 2-irked.gif We were out of town so I spent for food and some small things at Target and DH was separate from us so I'm sure he spent, too.
3- irked.gif DH bought lunch out. I told him last night to consider us dirt poor for the next two months. Not sure how long he'll remember that, but he got up and made his lunch this morning. joy.gif
4- thumb.gif DH went and bought cat food and also decided to get other stuff. We had the food budget left to cover it so that's ok.
5- thumb.gif
6- thumb.gif We did our weekly (budgeted for) grocery shopping. I actually slashed the budget by $63 to begin with (trying to make this budget work somehow while I'm not getting paid so we're eating way cheap this week - think eggs, meatless spaghetti, and the like) and then came in $6.50 under. So that will go back to the bank to help with next week's bills. Oh, and when I paid this week's allotted bills I was still able to put $46 into our sinking funds. It's nowhere near the monthly savings goal, but I guess every little bit counts.
post #108 of 245

Key

 

thumb.gif No Spend/ Budgeted spending

irked.gif Unplanned/ unbudgeted spending

om.gif 30min spent decluttering

 

1.  thumb.gif We're at my ILs until tomorrow, DH and I ran to Target for MIL for popcorn, I picked up stockings and eye makeup for DH's formal office party on Saturday, all of it was put on a GC I got for Christmas, so no $$ out of pocket.  I REEEALLY wanted to buy some other stuff that we REEEEALLY didn't need, but I resistedjoy.gif

2.  thumb.gif Trip home today.  We budgeted a set amount for this trip to the ILs, and for one of the first times, we actually stayed completely in budget!!joy.gif  I'm hoping that this will set the precedent for the rest of the year, that we can set a budget and stay within it.  No extra spending, no impulse shopping, complete CONTROL!!  Tomorrow I begin decluttering for the 2012 in 2012 Decluttering Challenge.

3.  irked.gifom.gif  DH stopped for a haircut on the way home from work b/c I haven't had a free moment to cut his hair.  There's room in the budget for it, but it wasn't really budgeted for.

4.  thumb.gif  Had a play date with friends today so no money spent.

5.  thumb.gif  DH picked up part of DD2's b-day present, cupcakes, and her choice of dinner for tonight (elbow pasta w/ sauce.  Oh the joys of being 3!!)  Also purchased a used copy of DH's textbook for his class.  All spending today was budgeted.  We reviewed the budget and found we came in under budget on quite a few line items and were able to put some extra towards paying off our truck orngbiggrin.gif  Really hoping the momentum we feel this month will carry through the rest of the year praying.gif

6.  thumb.gif  om.gif

post #109 of 245

We hosted a neighborhood party last night and margaritas were what we were serving.  I tried to slip that tequila in under the grocery budget...but really, it's a luxury.  They were good though!

 

 

Quote:

Originally Posted by Crunchy*VT*Mom View Post

01..  thumb.gif

02..  irked.gif  $14 Pizza Hut

03..  thumb.gif

04..  thumb.gif

05..   drink.gif $50 Tequila (the big bottle)

06..  thumb.gif

07..

08..

09..

10..

11..

12..

13..

14..

15..



 

 

post #110 of 245
Quote:
Originally Posted by mrsmischief View Post

 

My Month So Far~

 

1/1- $0

1/2- $0

1/3- $0

1/4-$7.49 for garbage bags. I knew I was forgetting something at the grocery store last week!

1/5- $0

1/6- $2 for bananas

1/7- $0

 

Total: 9.49



 

post #111 of 245

 

My goal for month: to have more no-spend days than days of budgeted spending.

 

1/1 smile.gif no spend

1/2  smile.gif no spend

1/3 thumb.gif budgeted spending - gas, groceries, cleaners, etc.

1/4 thumb.gif budgeted spending - b'day gift for my mom, some misc. household supplies like batteries and stamps, tailors, DD 1 piano tuition, ski gloves for DH, pizza lunch out with DD2, spent more $ than I planned on. Trying for a no spend tomorrow.

1/5  smile.gif no spend, hurrah!

1/6 thumb.gif budgeted spending - $10 postage for mailing return package; $37 Staples- printer ink ($!!), some household/homework and tutoring supplies;  $25 vitamin/supplements, I got my brows/lip waxed which was desperately needed $17. Oh, and $30 co-pay for DD1's doctor appt.

1/7   smile.gif No spend - ski day, which seems like an oxymoron. We have season passes, purchased last June and budgeted for. Brought all our own food/thermos of hot cocoa with us. In now for the rest of the day, will make soup and be cozy at home.

1/8

1/9

1/10

1/11

1/12

1/13

1/14

1/15

post #112 of 245

01/06 - $10 gas

01/07 - $0 and I went out to several stores today with my sister!

post #113 of 245


 

KEY

irked.gif unnecessary spending

eyesroll.gif necessary spending

thumb.gif no spending

 

1/1: irked.gif I sent DH to the store to pick up a pepper I needed for a recipe...I had bought it within the grocery budget the day before, but then DH used it without asking while fixing himself a snack...and then while he was at the store he picked up something else he wanted to make (completely disregarding the houseful of food we have, sigh). Only about $3-4, but still...

1/2: irked.gif We didn't plan properly for our trip to the nature center, and DD was HUNGRY. Again, only spent $1, but see how's it's already adding up?

1/3: thumb.gif

1/4: eyesroll.gif Gas and almond milk. Budgeted for, so it's okay.

1/5:eyesroll.gif Dog food and kitty litter.

1/6: irked.gif Beer run- we needed it, and I'll take it out of the grocery budget for the next 2 weeks (which should be how long it lasts)

1/7: eyesroll.gif Grocery shopping, printer ink

1/8:

1/9:

1/10:

1/11:

1/12:

post #114 of 245
Quote:
Originally Posted by ParisAnne View Post

1/3   No unecessary spending. Only spent $17 at the pet store getting cat food. Really need to get them flea meds, but it's so expensive.  Paid the mortgage and have to pay a few other bills this week, which will probably eat up most of this paycheck.



1/4 No spending at all, stayed home sick

1/5 Some how managed to spend $125 a Traders Joes. Gotta be the most I've ever spent there.  Probably spent $25 more than I needed, but otherwise most of what I got was on my list. Don't currently have the budget worked out (revised) so can't yet say if I am staying with in the budget. Just trying to not buy any unecessary things at the moment.

1/6 Didn't leave the house except for working from 2-5 am, so no spending aside from .99 cents for an app for my new Nook.  I think I've spent at $7 this month on a few apps/books. 

1/7 $5 to rent shoes for rock climbing. We have a two week free membership because I took a climbing class. We dropped the almost $200 a month family membership to the gym and will be switching to a rock climbing gym in a few weeks. 

post #115 of 245
Thread Starter 

 

Family trip yesterday to a wonderful friend's birthday.  I wasn't planning on going, but was feeling really good and it was a terrific event.  So good to see friends and share our new baby.  I overspent on the gift which I tend to do for friends.  

 

Was super tired after the party and desperately wanted to stop for pizza, but toughened up and came home to make a quick fried rice with veggies for dinner.  So much better for me and super cheap.  

 

 

 

 

Jan 1 -- thumb.gif

Jan 2 -- thumb.gif

Jan 3 -- 40.00 cash for hospital stay/food, 15.22 flowers, 13.12 cell phone minutes

Jan 4 -- thumb.gif

Jan 5 -- thumb.gif

Jan 6 -- thumb.gif

Jan 7 -- 28.61 birthday gift

Jan 8 -- 

Jan 9 -- 

Jan 10 -- 

 

 

 

January savings goal is at 116% 

post #116 of 245

tracking legend:

eat.gif home cooked

love.gif personal development/healing

carrot.gifpantry/freezer used

thumb.gif no unnecessary spending

geek.gif online training

om.gif declutter (stole the icon even!)

blush.gif library late fee or eating out

irked.gif unnecessary spending (hope not to see this one!)

 

1/1 eat.gif love.gif thumb.gif carrot.gifom.gif

1/2 eat.gif love.gif carrot.gif irked.gif i did not get around to online training and i spent more than i meant to at the grocery store. on top of that, the 2 reduced packages of beef bones that i bought yesterday rang through at their original price and i didn't notice until we got home. only about $0.70 difference but i should've been paying more attention.

1/3 eat.gif love.gif thumb.gif carrot.gif om.gif no online training again!

1/4 eat.gif carrot.gif thumb.gif regular job today; no time for online training.

1/5 eat.gif thumb.gif carrot.gif love.gif regular job today; no time for online training. i plan to listen to Underearners Anonymous and Clutterers Anonymous calls today. i will edit out my "healing" icon if i miss both.

1/6 eat.gif love.gif thumb.gif carrot.gif  no online training again!

1/7 eat.gif love.gif thumb.gif carrot.gif  om.gif got dd to go through her stuffed animals and pick out some to go. no online training again!

1/8 eat.gif love.gif thumb.gif carrot.gif  om.gif geek.gif tossing some expired tea to the worm bins. finally doing some online training! i may go to Best Buy today to check out a new CD player for my car. my old one broke with library CDs inside and i listen to books-on-CD while driving (i drive deliveries for both of my jobs). i'm going to ask them if they do repairs and if they sell CD players alone to try to keep the cost as low as possible. i will edit my icons if i end up buying anything.

post #117 of 245

Jan 1 - orngbiggrin.gif

Jan 2 - Groceries/household goodies (326/500) thumb.gif
Jan 3 - orngbiggrin.gif (and it was my first day back to work after vacation!!)
Jan 4 - orngbiggrin.gif
Jan 5 - thumb.gif (Spent $10/$40 on some kombacha - but I get to reuse the bottles for my own brews this month)
Jan 6 - orngbiggrin.gif
Jan 7 - thumb.gif for DS & a friend birthday party (we split it with another family to keep the costs down since they are so close together)

 

 



 

post #118 of 245

1:  0

2: stocked up on clearance clothing.

3:0

4: $20 for job test.

5 0

6: $7 picked up dinner for myself.

7: 0

8: $$$ bought some organizing items. missed the sale by one day (grrr. poor planning)

9:

post #119 of 245
Quote:
Originally Posted by Crunchy*VT*Mom View Post

01..  thumb.gif

02..  $14 Pizza Hut

03..  thumb.gif

04..  thumb.gif

05..   $50 Tequila (the big bottle)

06..  thumb.gif

07..  $25 dinner out with friends

08..  thumb.gif

09..

10..

11..

12..

13..

14..

15..



 

post #120 of 245
Quote:
Originally Posted by mrsmischief View Post



 



Week 2-

01/08- $13.50 for planned for lunch out

01/09- $0

01/10- $36.78 for gasoline, budgeted) 

01/11- $0 spent + earned $50 at used bookstore

01/12- $0 spent + earned 33.96 on Amazon Trade-Ins

01/13- $305.70 for groceries (budgeted)

01/14-

 

 

 

Total:

Spent~ 365.47

Earned~ 83.96

Savings Goal~ 100% met

 


Edited by mrsmischief - 1/13/12 at 8:52am
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