NoSpend January -- Ringing in the New Year with money in the bank - Page 8

[FillingMyQuiver]

Key

No Spend/ Budgeted spending

Unplanned/ unbudgeted spending

30min spent decluttering

1.  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 resisted

2.  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!!  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.    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.    Had a play date with friends today so no money spent.

5.    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   Really hoping the momentum we feel this month will carry through the rest of the year

6.   

7.   

8.      $62 spent at Chili's for an unplanned lunch out after church w/ my brother, SIL, and nieces, though it was $$ well spent b/c I don't get to spend much time w/ that part of my family.  Undecorated our Christmas decor today and got rid of quite a few things I didn't use or want anymore.

9.      $24 spent at McD's for lunch.  2 of my kids had dr appts today and I didn't plan very well and had to grab lunch on the go.  I did however resist stopping for Starbucks on the way back and just waited to make coffee at home.

10.  and LOTS of

[petey44]

Originally Posted by petey44 

KEY

unnecessary spending

necessary spending

no spending

1/1: 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: 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:

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

1/5: Dog food and kitty litter.

1/6: 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: Grocery shopping, printer ink

1/8: DH's medicine

1/9:  gas   shipping costs to send all my old cloth diapers to my cousin- I was glad to do it, but didn't realize the shipping would be so expensive, and it wasn't part of the budget

1/10:

1/11:

1/12:

[lavatea]

1and 2- 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- 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.
4- 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-
6- 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.
7-
8- DH rented a redbox movie.
9- DH had to buy dress shirts and a book for a conference his work. We paid $50 from savings, and DH covered the rest from his Christmas money.
10- $50 given to DH for food while he's gone to the conference. I hate unexpected expenses. I'm going to try to pay it back from our food budget on Friday.

[lavatea]

1and 2- 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- 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.
4- 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-
6- 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.
7-
8- DH rented a redbox movie.
9- DH had to buy dress shirts and a book for a conference his work. We paid $50 from savings, and DH covered the rest from his Christmas money.
10- $50 given to DH for food while he's gone to the conference. I hate unexpected expenses. I'm going to try to pay it back from our food budget on Friday.

OH great! DD dropped out of dance, and I called them yesterday to let them know. But today they auto-debited $45 out of our bank account (money that is supposed to pay the electric bill on Thursday). I called and they claim there is a 30 day notice that is required. Such BS. I don't have $45 to just throw away. I feel like crying.

[nwmomof2]

Week 2

1/8  budgeted spending: $20 groceries

1/9 $17.50 at Goodwill: mixing bowls, wood hangers and a measuring cup, all needed, DD1 cute Gymboree t-shirt, not really needed. And then I spent $34 - ordered my DD2 a nightie (on sale 50% off) and DD1 slippers (not on sale) from LL Bean. Not absolutely necessary, but will be used. Ah, well. Thrift and online shopping, truly a weakness.

1/10  No spend day. Went to the gym, then my a.m. kindergarten daughter had a friend over this afternoon. Got some chores done around the house. 

1/11

1/12

1/13

1/14

1/15

[Crunchy*VT*Mom]

Originally Posted by Crunchy*VT*Mom 

01.. 

02..  $14 Pizza Hut

03.. 

04.. 

05..   $50 Tequila (the big bottle)

06.. 

07..  $25 dinner out with friends

08.. 

09..  $15 Triple Sec

10.. 

11..  $5 McDonald's

12..

13..

14..

15..

[_ktg_]

Jan 1 - 

Jan 2 - Groceries/household goodies (326/500) 

Jan 3 -  (and it was my first day back to work after vacation!!)

Jan 4 - 

Jan 5 -  (Spent $10/$40 on some kombacha - but I get to reuse the bottles for my own brews this month)

Jan 6 -  (spent $10/30 on Taco Bell Dinner since DH was going to D&D night)

Jan 7 -  for DS & a friend birthday party (we split it with another family to keep the costs down since they are so close together)

Jan 8 -  ($11 groceries)

Jan 9 -

Jan 10 -

Jan 11 -  ($1.12/20) popcorn break today at work

[Ruthiegirl]

Crumbs, I let a stack of books sit in my van for the past week and the library increased their fines to .10 a day per book.  It added up fast!  

Jan 1 -- 

Jan 2 -- 

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

Jan 4 -- 

Jan 5 -- 

Jan 6 -- 

Jan 7 -- 28.61 birthday gift

Jan 8 -- 

Jan 9 -- 60.00 nursing bras

Jan 10 -- 

Jan 11 -- 14.90 library fines   

January savings goal is at 126% 

 

[petey44]

Originally Posted by petey44

 

KEY

unnecessary spending

necessary spending

no spending

1/1: 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: 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:

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

1/5: Dog food and kitty litter.

1/6: 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: Grocery shopping, printer ink

1/8: DH's medicine

1/9: gas shipping costs to send all my old cloth diapers to my cousin- I was glad to do it, but didn't realize the shipping would be so expensive, and it wasn't part of the budget

1/10:

1/11:

1/12:

[FillingMyQuiver]

Key

No Spend/ Budgeted spending

Unplanned/ unbudgeted spending

30min spent decluttering

1.  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 resisted

2.  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!!  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.    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.    Had a play date with friends today so no money spent.

5.    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   Really hoping the momentum we feel this month will carry through the rest of the year

6.   

7.   

8.      $62 spent at Chili's for an unplanned lunch out after church w/ my brother, SIL, and nieces, though it was $$ well spent b/c I don't get to spend much time w/ that part of my family.  Undecorated our Christmas decor today and got rid of quite a few things I didn't use or want anymore.

9.      $24 spent at McD's for lunch.  2 of my kids had dr appts today and I didn't plan very well and had to grab lunch on the go.  I did however resist stopping for Starbucks on the way back and just waited to make coffee at home.

10.  and LOTS of

11. 

[nwmomof2]

Week 2

1/8  budgeted spending: $20 groceries

1/9 $17.50 at Goodwill: mixing bowls, wood hangers and a measuring cup, all needed, DD1 cute Gymboree t-shirt, not really needed. And then I spent $34 - ordered my DD2 a nightie (on sale 50% off) and DD1 slippers (not on sale) from LL Bean. Not absolutely necessary, but will be used. Ah, well. Thrift and online shopping, truly a weakness.

1/10  No spend day. Went to the gym, then my a.m. kindergarten daughter had a friend over this afternoon. Got some chores done around the house. 

1/11 budgeted spending: $11 set of thank you notecards (from my "household" budget)

1/12

1/13

1/14

1/15

[MonkeyPrincess]

 1/1 - $0

 1/2 - $24.92 clothes, $49.99 sneakers for oldest, $.50 library, $1.50 kohls, $40 gas

 1/3 - $0

 1/4 - $0

 1/5 - $30 gas, $6 notary, $.80 copies at library

 1/6 - $26 pizza in

 1/7 - $158.99 gps, $64.12 gas, $10 tip for piercing artist for dd, $5.28 coffee

 1/8 - $24.59 special shampoo for dd, $12.99 art supplies for school project

 1/9 - $13.87 potluck snack, $44 wkly veg delivery, $4.53 wendys

1/10 - $31.06 gas, $20.36 food out at a birth

1/11 - $1.06 coffee, $.60 print outs at library

1/12 -

1/13 -

1/14 -

1/15 -

1/16 -

1/17 -

1/18 -

1/19 -

1/20 -

[rudhaen]

1/1 -

1/2 -

1/3 -

1/4 -

1/5 - $30 for gas

1/6 - $36.60 for groceries

1/7 -

1/8 - $63.03 for groceries

1/9 -

1/10 -   $190.53 for utilities

1/11 -

1/12 - $30 for a gift that I should have budgeted for, but kinda forgot about and had to do at the last minute. I fear there may be more like this coming up :/

Edited by rudhaen - 1/12/12 at 1:41pm

[Thecraftaholic]

1/1 

1/2

1/3

1/4 

1/5

1/6

1/7 

metrocard (train fare) and a bar of chocolate (I'm post partum, yes it IS nessesary! LOL)

1/8  

Groceries. 

1/9 

1/10 

ran out of butter. had to buy some. 

1/11

1/12 

pattern for crocheted slippers. For the kiddos. They need slippers. 

This is such fun! 

[Ruthiegirl]

Jan 1 -- 

Jan 2 -- 

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

Jan 4 -- 

Jan 5 -- 

Jan 6 -- 

Jan 7 -- 28.61 birthday gift

Jan 8 -- 

Jan 9 -- 60.00 nursing bras

Jan 10 -- 

Jan 11 -- 14.90 library fines   

Jan 12 --  

Jan 13

Jan 14

Jan 15

January savings goal is at 126% 

 

[petey44]

Originally Posted by petey44

 

KEY

unnecessary spending

necessary spending

no spending

1/1: 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: 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:

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

1/5: Dog food and kitty litter.

1/6: 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: Grocery shopping, printer ink

1/8: DH's medicine

1/9: gas shipping costs to send all my old cloth diapers to my cousin- I was glad to do it, but didn't realize the shipping would be so expensive, and it wasn't part of the budget

1/10:

1/11:

1/12:

[FillingMyQuiver]

Key

No Spend/ Budgeted spending

Unplanned/ unbudgeted spending

30min spent decluttering

1.  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 resisted

2.  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!!  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.    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.    Had a play date with friends today so no money spent.

5.    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   Really hoping the momentum we feel this month will carry through the rest of the year

6.   

7.   

8.      $62 spent at Chili's for an unplanned lunch out after church w/ my brother, SIL, and nieces, though it was $$ well spent b/c I don't get to spend much time w/ that part of my family.  Undecorated our Christmas decor today and got rid of quite a few things I didn't use or want anymore.

9.      $24 spent at McD's for lunch.  2 of my kids had dr appts today and I didn't plan very well and had to grab lunch on the go.  I did however resist stopping for Starbucks on the way back and just waited to make coffee at home.

10.  and LOTS of

11. 

12. 

13.  (but it's really not) $160 at Southern Exposure Seed Exchange for seeds/ bulbs for this year's garden.  It wasn't budgeted, but we got a partial insurance reimbursement (for my homebirth ).  We didn't think we'd be getting the reimbursement, so we didn't have it allocated to anything.  A portion went to seeds, a portion will go to DH's new computer monitor he's saving up for, and the rest will go towards our truck, bringing us a few more months closer to paying it off!!  Oh, and

Edited by FillingMyQuiver - 1/13/12 at 12:53pm

[petey44]

KEY

unnecessary spending

necessary spending

no spending

1/1: 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: 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:

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

1/5: Dog food and kitty litter.

1/6: 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: Grocery shopping, printer ink

1/8: DH's medicine

1/9: gas shipping costs to send all my old cloth diapers to my cousin- I was glad to do it, but didn't realize the shipping would be so expensive, and it wasn't part of the budget

1/10:

1/11:

1/12:

1/13:  $1 for me to wear jeans to work, $30 for DH to eat out at a team birthday lunch at work, and $14 for dinner and snack for tonight.  Because it was a bad day and I don't feel like doing anything complicated

1/14:

1/15:

1/16:

1/17:

1/18:

1/19:

1/20:

1/21:

[_ktg_]

Originally Posted by _ktg_ 

Jan 1 - 

Jan 2 - Groceries/household goodies (326/500) 

Jan 3 -  (and it was my first day back to work after vacation!!)

Jan 4 - 

Jan 5 -  (Spent $10/$40 on some kombacha - but I get to reuse the bottles for my own brews this month)

Jan 6 -  (spent $10/30 on Taco Bell Dinner since DH was going to D&D night)

Jan 7 -  for DS & a friend birthday party (we split it with another family to keep the costs down since they are so close together)

Jan 8 -  ($11 groceries)

Jan 9 -

Jan 10 -

Jan 11 -  ($1.12/20) popcorn break today at work & $4.50 for the grocery store

Jan 12 -  

Jan 13  ($9.50/19) cafe lunch meeting

[xekomaya]

Not having a car this week has really helped out with the no-spending. We did decide to buy a huge order of homeschooling supplies this month so we can save on shipping (sending the boxes to the lower 48 & picking them up on vacation). I also remembered I need to buy a bunch of stuff for same trip - need to buy & send a car seat down ahead of us, bathing suits for the kids, etc. That is going to cut into our month but oh well. 

Jan 1: <free pass>

Jan 2: 

Jan 3: 47.75 

Jan 4:  

Jan 5: Groceries 

Jan 6:  semi-planned dinner out

Jan 7:  

Jan 8:  

Jan 9:  

Jan 10: so far so good...

Jan 11:

Jan 12:

Jan 13: Groceries