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February No Spend~ Having $$ in the bank will make your HEART swell!! - Page 2

post #21 of 51

thumb.gif means no spending

 

2/5 greensad.gif  $25 for a performance raising money for a children's choir 

2/6  Sheepish.gif  $10 at a coffee shop; $16 at Target on snacks and laundry detergent

2/7 thumb.gif

2/8 thumb.gif

2/9           groceries

2/10thumb.gif

2/11thumb.gif


Edited by Super Pickle - 2/12/12 at 10:40am
post #22 of 51
Thread Starter 

Key

thumb.gif  No Spend/ Budgeted Spending

irked.gif  Unplanned/ Un-budgeted Spending

 

1.  thumb.gif

2.  thumb.gif

3.  thumb.gif

4.  irked.gif  $$ out for lunch and $$ for food for our little Super Bowl party.

5.  thumb.gif

6.  irked.gif but biggrinbounce.gif  Bought t-shirts for the entire family commemorating the NY Giants Super Bowl win.  (We're BIG NY Giants fans!!)  DH spent $30 @ Lowes for a drain snake and a small sledgehammer (both needed).

7.  thumb.gif

8.  thumb.gif

9.  preemptive thumb.gif

post #23 of 51

 

Went ahead and ordered the tea kettle yesterday.  I am looking forward to lots of hot tea on these cold mornings.  I picked up our co-op food order this morning and need to sort out all of our bulk food.  And then or course, cook something with all of these bags of rice and beans and spices.  Counting today as a  thumb.gif since I had budgeted for this and even came in under budget! 

 

 

Feb 1 -- thumb.gif

Feb 2 -- thumb.gif

Feb 3 -- thumb.gif

Feb 4 -- thumb.gif

Feb 5 -- birthday present, tube for jogging stroller 

Feb 6 -- thumb.gif

Feb 7 -- thumb.gif

Feb 8 -- tea kettle, other kitchen gear

Feb 9 -- thumb.gif

 

 

 

 

Savings goal  69%

post #24 of 51

Ok, I blew it! It has been a stressful week, involving unaccounted-for expenses both necessary and unnecessaryduh.gif! But- the bills are paid! Depending how long it takes for one check to come in, I might possibly be a few days late for the daycare payment the last week of the month, but other than that we will squeak by with everything on time! I really came here to write a "throw in the towel" post but, I will continue!!!! I can't expect to make better estimates if I don't stick to it and keep track!

 

1) nono.gif Pizza for dinner $11.00

2) shy.gif Groceries $17.98 orngbiggrin.gif two hours

3) shy.gif Daycare $140  orngbiggrin.gif

4) shy.gif Transit to visit my mom $20

5) shy.gif Groceries $60

6) duh.gif $20

7) duh.gif $20 shy.gif phone & debts paid $225 orngbiggrin.gif over an hour

8) duh.gif $35 shy.gif Groceries $37

9) shy.gif Daycare $140 More groceries (I know, it's ridiculous.. not going to explain, but maybe we'll actually get some zero spend days after stocking up!) ?$

 

 

biggrinbounce.gif- zero spending day

shy.gif- approved expense

duh.gif- unplanned spending

orngbiggrin.gif- extra work!

 

post #25 of 51

a. Who you are: Christi, working mom to 2 kids with a dh who is a full time student

b. Where you are going (your financial goals): pay off credit card by June, car by December, 2nd mortgage by 2014, primary mortgage by 2016. Never be in debt again after that.

c. How you plan to get there: Already doing a lot: no cable, no cleaning products, no paper towels. Could do more. Currently have the 2 kids in Montessori because the public schools suck and we don't have time to homeschool, so that is eating up a good portion of our monthly $$. Longing for the day when DH goes to work, but he's on the "10 year plan" (and no, he won't be a doctor).

 

Not sure I can keep up with the thread, but I'll give it a go.

 

Feb 8: irked.gif unplanned expense, $35 water pump for jeep

Feb 9: smile.gif planned expense, $10 at work luncheon

post #26 of 51
Thread Starter 

Key

 

thumb.gif  No Spend/ Budgeted Spending

irked.gif  Unplanned/ Un-budgeted Spending

 

1.  thumb.gif

2.  thumb.gif

3.  thumb.gif

4.  irked.gif  $$ out for lunch and $$ for food for our little Super Bowl party.

5.  thumb.gif

6.  irked.gif but biggrinbounce.gif  Bought t-shirts for the entire family commemorating the NY Giants Super Bowl win.  (We're BIG NY Giants fans!!)  DH spent $30 @ Lowes for a drain snake and a small sledgehammer (both needed).

7.  thumb.gif

8.  thumb.gif

9.  thumb.gif

10.  another preemptive thumb.gif

post #27 of 51

1) nono.gif Pizza for dinner $11.00

2) shy.gif Groceries $17.98 orngbiggrin.gif two hours

3) shy.gif Daycare $140  orngbiggrin.gif

4) shy.gif Transit to visit my mom $20

5) shy.gif Groceries $60

6) duh.gif $20

7) duh.gif $20 shy.gif phone & debts paid $225 orngbiggrin.gif over an hour

8) duh.gif $35 shy.gif Groceries $37

9) shy.gif Daycare $140 More groceries $20

10) duh.gif $3 coffee shy.gif $3 baguette (have been buying so many groceries in preparation to host a gathering, this was the last of it!)

11) biggrinbounce.gif finally : )

 

 

biggrinbounce.gif- zero spending day

shy.gif- approved expense

duh.gif- unplanned spending

orngbiggrin.gif- extra work!

 

post #28 of 51

 

Feb 1 -- thumb.gif

Feb 2 -- thumb.gif

Feb 3 -- thumb.gif

Feb 4 -- thumb.gif

Feb 5 -- birthday present, tube for jogging stroller 

Feb 6 -- thumb.gif

Feb 7 -- thumb.gif

Feb 8 -- tea kettle, other kitchen gear

Feb 9 -- thumb.gif

Feb 10 -- thumb.gif

Feb 11 -- trip to the museum (bridge toll, snacks)

Feb 12 -- movie rental

 

 

 

 

Savings goal  69%


Edited by Ruthiegirl - 2/12/12 at 4:04pm
post #29 of 51
Thread Starter 

Key

thumb.gif  No Spend/ Budgeted Spending

irked.gif  Unplanned/ Un-budgeted Spending

 

1.  thumb.gif

2.  thumb.gif

3.  thumb.gif

4.  irked.gif  $$ out for lunch and $$ for food for our little Super Bowl party.

5.  thumb.gif

6.  irked.gif but biggrinbounce.gif  Bought t-shirts for the entire family commemorating the NY Giants Super Bowl win.  (We're BIG NY Giants fans!!)  DH spent $30 @ Lowes for a drain snake and a small sledgehammer (both needed).

7.  thumb.gif

8.  thumb.gif

9.  thumb.gif

10. thumb.gif

11. irked.gif  McDs for lunch.  We rented a cargo van (budgeted) and got rid of a bunch of large furniture pieces that have been taking up physical AND mental space.

12. irked.gif  bought the kids some clothes @ Costco.  Went over our usual clothes budget for the month.

13. thumb.gif

post #30 of 51

1) nono.gif Pizza for dinner $11.00

2) shy.gif Groceries $17.98 orngbiggrin.gif two hours

3) shy.gif Daycare $140  orngbiggrin.gif

4) shy.gif Transit to visit my mom $20

5) shy.gif Groceries $60

6) duh.gif $20

7) duh.gif $20 shy.gif phone & debts paid $225 orngbiggrin.gif over an hour

8) duh.gif $35 shy.gif Groceries $37

9) shy.gif Daycare $140 More groceries $20

10) duh.gif $3 coffee shy.gif $3 baguette (have been buying so many groceries in preparation to host a gathering, this was the last of it!)

11) biggrinbounce.gif finally : )

12) duh.gif $15 shy.gif $9.50 at farmer's market and $21 on a plunger and socks (lol)

13) biggrinbounce.gif so far : )

 

 

 

biggrinbounce.gif- zero spending day

shy.gif- approved expense

duh.gif- unplanned spending

orngbiggrin.gif- extra work!

 


Edited by lucifugous - 2/13/12 at 6:16pm
post #31 of 51

 

Feb 1 -- thumb.gif

Feb 2 -- thumb.gif

Feb 3 -- thumb.gif

Feb 4 -- thumb.gif

Feb 5 -- birthday present, tube for jogging stroller 

Feb 6 -- thumb.gif

Feb 7 -- thumb.gif

Feb 8 -- tea kettle, other kitchen gear

Feb 9 -- thumb.gif

Feb 10 -- thumb.gif

Feb 11 -- trip to the museum (bridge toll, snacks)

Feb 12 -- movie rental

Feb 13 -- valentines and chocolate

Feb 14 -- more chocolate    eat.gif

 

 

 

 

Savings goal  69%

 

Edited by Ruthiegirl - 2/15/12 at 4:47am
post #32 of 51
Quote:
Originally Posted by mrsmischief View Post


2/8- thumb.gif

2/9- $13.99 for the Kindle edition of the newly released The New Hate for my book club reading

2/10- thumb.gif

2/11- thumb.gif

2/12- thumb.gif

2/13- thumb.gif

2/14- thumb.gif

 


2/15- 27.50 for new rain boots for daughter

2/16- thumb.gif

2/17- thumb.gif

2/18- $35 for painting class 

2/19- thumb.gif

2/20- thumb.gif

2/21- thumb.gif

 

Savings Goal: 100%

 


Edited by mrsmischief - 2/21/12 at 12:06pm
post #33 of 51
Thread Starter 

Key

thumb.gif  No Spend/ Budgeted Spending

irked.gif  Unplanned/ Un-budgeted Spending

 

1.  thumb.gif

2.  thumb.gif

3.  thumb.gif

4.  irked.gif  $$ out for lunch and $$ for food for our little Super Bowl party.

5.  thumb.gif

6.  irked.gif but biggrinbounce.gif  Bought t-shirts for the entire family commemorating the NY Giants Super Bowl win.  (We're BIG NY Giants fans!!)  DH spent $30 @ Lowes for a drain snake and a small sledgehammer (both needed).

7.  thumb.gif

8.  thumb.gif

9.  thumb.gif

10. thumb.gif

11. irked.gif  McDs for lunch.  We rented a cargo van (budgeted) and got rid of a bunch of large furniture pieces that have been taking up physical AND mental space.

12. irked.gif  bought the kids some clothes @ Costco.  Went over our usual clothes budget for the month.

13. thumb.gif

14. thumb.gif and we just scheduled the PAYOFF FOR OUR TRUCK joy.gifenergy.gifjumpers.gif    While I know Dave Ramsey would say we should snowball the payment, DH and I have decided to save it so that by the end of the year, when DH will be needing a replacement, we'll have a down payment saved up.

post #34 of 51

 

 

Feb 1 -- thumb.gif

Feb 2 -- thumb.gif

Feb 3 -- thumb.gif

Feb 4 -- thumb.gif

Feb 5 -- birthday present, tube for jogging stroller 

Feb 6 -- thumb.gif

Feb 7 -- thumb.gif

Feb 8 -- tea kettle, other kitchen gear

Feb 9 -- thumb.gif

Feb 10 -- thumb.gif

Feb 11 -- trip to the museum (bridge toll, snacks)

Feb 12 -- movie rental

Feb 13 -- valentines and chocolate

Feb 14 -- more chocolate    eat.gif

Feb -- breakfast out

 

 

 

 

Savings goal  69%

 
post #35 of 51
Quote:
Originally Posted by Super Pickle View Post


thumb.gif means no spending

 

2/5 greensad.gif  $25 for a performance raising money for a children's choir 

2/6  Sheepish.gif  $10 at a coffee shop; $16 at Target on snacks and laundry detergent

2/7 thumb.gif

2/8 thumb.gif

2/9           groceries

2/10thumb.gif

2/11thumb.gif

2/12  $$ on Divine chocolate bars for my kids for Valentines Day

2/13  groceries

2/14  thumb.gif

2/15 gas

2/16 thumb.gif

2/17  shake.gif  playspace ($5); tea; unnecessary groceries; DH's prescription meds

 

This week's successes include making school valentines from craft materials on hand and resisting the urge to eat out/order out when I didn't feel like cooking.  

 

DS really needs a haircut and I'm going to try to do it myself. if I make a mess of it we'll be goin' to Great Clips. 

post #36 of 51

 

Feb 1 -- thumb.gif

Feb 2 -- thumb.gif

Feb 3 -- thumb.gif

Feb 4 -- thumb.gif

Feb 5 -- birthday present, tube for jogging stroller 

Feb 6 -

Feb 7 -- thumb.gif

Feb 8 -- tea kettle, other kitchen gear

Feb 9 -- thumb.gif

Feb 10 -- thumb.gif

Feb 11 -- trip to the museum (bridge toll, snacks)

Feb 12 -- movie rental

Feb 13 -- valentines and chocolate

Feb 14 -- more chocolate    eat.gif

Feb 15 -- breakfast out

Feb 16 -- thumb.gif

Feb 17 -- birthday present

Feb 18 -- thumb.gif

Feb 19 -- 

 

 

 

 

 

Savings goal  69%


Edited by Ruthiegirl - 2/19/12 at 7:25am
post #37 of 51
Quote:
Originally Posted by Super Pickle View Post

DS really needs a haircut and I'm going to try to do it myself. if I make a mess of it we'll be goin' to Great Clips. 



How did it turn out?  I have cut my kids' hair for years now and do a pretty good job now.  They had a few wonky cuts when they were young -- I was inexperienced and they wiggled like mad.  

post #38 of 51

 

Hey!   Where is everybody??  

 

Dh and I sat down and went over our money for the next year.  Yes, we are geeky like that.  Looks like I will be spending 2012 on these no-spend threads.  We have some huge goals and my lovely dh is completely on board with the plan.  No vacations or summer camps this year, but if all goes well, we will pay our taxes, pay off our credit cards, pay off the van, fund the emergency fund and have cash for Christmas.  Whew!  And then we will be set up to pay cash for a new roof in 2013.  I should make peace with my old sneakers...I will be wearing them for a long time to come.  ROTFLMAO.gif

 

Took the kids for a swim at the YMCA and I spent a few hours getting the garden shaped up -- peas, spinach and beets are planted.  Nice no-spend day and happy, healthy kids.  

 

Feb 1 -- thumb.gif

Feb 2 -- thumb.gif

Feb 3 -- thumb.gif

Feb 4 -- thumb.gif

Feb 5 -- birthday present, tube for jogging stroller 

Feb 6 -- thumb.gif

Feb 7 -- thumb.gif

Feb 8 -- tea kettle, other kitchen gear

Feb 9 -- thumb.gif

Feb 10 -- thumb.gif

Feb 11 -- trip to the museum (bridge toll, snacks)

Feb 12 -- movie rental

Feb 13 -- valentines and chocolate

Feb 14 -- more chocolate    eat.gif

Feb 15 -- breakfast out

Feb 16 -- thumb.gif

Feb 17 -- birthday present

Feb 18 -- thumb.gif

Feb 19 -- thumb.gif

Feb 20 -- thumb.gif

Feb 21

Feb 22

Feb 23

Feb 24

Feb 25

Feb 26

Feb 27

Feb 28

 

 

 

 

 

 

Savings goal  80%


Edited by Ruthiegirl - 2/20/12 at 6:12am
post #39 of 51

Another long week, sorry for losing track. Had to buy a new phone unexpectedly, for the majority of the next couple weeks no-spend will be a must :o/

post #40 of 51
Thread Starter 
Quote:
Originally Posted by Ruthiegirl View Post

 

Hey!   Where is everybody?? 


I'm still here.  We visited family away for the long weekend, didn't have a chance to update.

 



Key

 

thumb.gif  No Spend/ Budgeted Spending

irked.gif  Unplanned/ Un-budgeted Spending

 

1.  thumb.gif

2.  thumb.gif

3.  thumb.gif

4.  irked.gif  $$ out for lunch and $$ for food for our little Super Bowl party.

5.  thumb.gif

6.  irked.gif but biggrinbounce.gif  Bought t-shirts for the entire family commemorating the NY Giants Super Bowl win.  (We're BIG NY Giants fans!!)  DH spent $30 @ Lowes for a drain snake and a small sledgehammer (both needed).

7.  thumb.gif

8.  thumb.gif

9.  thumb.gif

10. thumb.gif

11. irked.gif  McDs for lunch.  We rented a cargo van (budgeted) and got rid of a bunch of large furniture pieces that have been taking up physical AND mental space.

12. irked.gif  bought the kids some clothes @ Costco.  Went over our usual clothes budget for the month.

13. thumb.gif

14. thumb.gif

15. thumb.gif

16. thumb.gif

17.-20. irked.gif Went out of state to visit ILs.  Budgeted $200 for the trip, spent about $270.

21. preemptive thumb.gif  Not going anywhere today, recovering from the long weekend away, laundry, unpacking, etc.

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