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October No-Spend Challenge~ TRICKING the pocketbook and TREATING the savings!! - Page 5

post #81 of 167
Quote:
Originally Posted by Crunchy*VT*Mom View Post

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13..  $92 winter gear

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16..  $51 Christmas presents

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18..  $24 Pizza for the kids

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Goal:  15 No Spend Days this month 

Progress:  6 days so far  thumb.gif

post #82 of 167

10-17 - Budgeted Spending only! thumb.gif

10-18 - Small un-budget spending: DH ran to a store to return something (they replaced it free!) and on the way home he stopped at Star Bucks eyesroll.gif

 

 

Hoping to make today a NO SPEND day. Though We are paying the neighbor cash for changing my oil yesterday, we went to pay him last night but he was asleep, so I consider that already gone. 

post #83 of 167

* Planned spending today so far - Got a few things for DD's birthday, and her friend's birthday on a great clearance price on Amazon.  Both of them are done for birthdays now (except for birthday food and a few more small decorations for DD's party in Nov).  Also planning on supporting DD's school with a pizza order for dinner tonight.
 

post #84 of 167

CrunchyVTmom -- congrats on the 6 no spend days. I feel you on the pain of a bounced check. Been there. Did you figure out what went wrong?

 

Greenmamato2 -- it sounds encouraging that you have some time before working again next week, so you can plan the lunches.

 

 

Et moi? My dirty laundry:

 

15/10 - $15 unbugetted Parking (unplanned)

 

16/10 - $40 unbudgetted spending for nails, $1.50 for coffee, $140/child x 2 for early bird fee. All unplanned spending.

 

17/10 - $30 unbudgetted birthday lunch for myself and a friend

 

18/10 - $15 unbugetted parking unplanned - kids were impossible to get out of bed, we were all running late. I am so sick right now and was dragging myself around. I had to park again so I wouldn't be late for work.

 

19/10 - Day off to run errands. Grabbed a quick lunch for $6 which I can take from our monthly food budget. Otherwise pretty good!

 

I have yet to have a no spend day. Hmm. Being conscious and aware is the first step.

post #85 of 167

Wow, this thread has been so active this month - awesome!

 

I am behind a bit on recording but here goes:

 

10/11-10/13 - no spend

10/14 - bday gifts for DS - budgeted - spent $20

10/15 no spend

10/16 no spend

10/17 took DS out to dinner for his birthday - my contribution to the bill $30 - budgeted. SO picked up the rest of the tab

 

10/18 $45 to the eye doctor. Now I had called ahead to find out what I would have to pay - ie what my insurance wouldn't pick up. They had told me $35 - which I had budgeted for.

When I got there, it had mysteriously turned into $45. Argh!

 

10/19 payday - haven't figured out the damage on this day yet - update later.

 

GOOD LUCK! to everyone

post #86 of 167

10/1:  no spend joy.gif

10/2:  no spend joy.gif

10/3:  no spend joy.gif

10/4:  no spend joy.gif

10/5:  no spend joy.gif

 

10/6:  budgeted spending thumb.gif gas $40, windshield wiper $13

 

10/7:  budgeted spending thumb.gif groceries $41

10/8:  no spend joy.gif

10/9:  no spend joy.gif

10/10: no spend joy.gif

10/11: no spend joy.gif

10/12: no spend joy.gif

 

10/13: budgeted spending thumb.gif groceries $37, misc. $5, DD's bday party $36, $5 beer

10/14: no spend joy.gif

 

10/15: budgeted spending thumb.gif DD's field trip $3.25

10/16: no spend joy.gif

10/17: no spend joy.gif

 

10/18: budgeted spending thumb.gif laundry quarters $20 (will last about 6-8 weeks)

10/19: no spend joy.gif

 

Today is DD's bday party--all the supplies are bought, but I need to make a bunch of stuff this morning, so I hope I really do have everything I need!  My kids' school has their fall festival today, too, and I'm hoping to make it no spend.  They each got 3 free tickets, so I'm hoping that satisfies what they think they need to do there.  For being 2/3 of the way through the month, I'm pretty stoked with what I've got left.  $92 in grocery money (2 more shopping trips), $80 in gas money (will need to fill up in the next few days), $65 in miscellaneous money.  

post #87 of 167

Yesterday I also got coffee for a friend who was having a really rough day, and bought 3 more gifts for Christmas that were on a crazy sale.

 

Today I have no idea what to expect.  I am supposed to take my kiddos out to breakfast with a friend, and then hopefully to the pumpkin patch.  It is planned spending, but I'm not sure if we're going to do it because friend isn't feeling very good.  We may have to reschedule for next weekend.  Hubby is getting a little gas in a borrowed truck that he needed to use today, and a cheap lunch out since he can't take it with him today. 

 

I am making a meal in the crock pot that will be totally free from food my MIL dropped of yesterday so that helps a lot with the budget!! <3

post #88 of 167

Today was not a good day.  I ordered some music on Amazon before I remembered that I wasn't spending.  And normally I don't count food expenses (food is necessary) but cake and ice cream?????

 

That's just an indulgence.

 

I'll do better tomorrow.

 

Quote:
Originally Posted by Crunchy*VT*Mom View Post

11..  thumb.gif

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13..  $92 winter gear

14..  thumb.gif

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16..  $51 Christmas presents

17..  thumb.gif

18..  $24 Pizza for the kids

19..  thumb.gif

20.. $9 MP3 downloads, $15 cake and ice cream

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Goal:  15 No Spend Days this month 

Progress:  6 days so far  thumb.gif

post #89 of 167
Quote:
Originally Posted by Surfacing View Post

 

I have yet to have a no spend day. Hmm. Being conscious and aware is the first step.

 

I agree 100%.  Even if you don't have a no spend day...I bet you have spent LESS than you would have otherwise just because you are trying to get one no-spend.  Being conscious is what it is all about.

 

I started participating in these threads years ago -- and the first few months I was shocked at how hard it was for me to go even one day without spending money.  It truly is something that we do unconsciously.

post #90 of 167

10-17 - Budgeted Spending only! thumb.gif

10-18 - Small un-budget spending: DH ran to a store to return something (they replaced it free!) and on the way home he stopped at Star Bucks eyesroll.gif

10-19 - Unbudgeted spending: greensad.gif

 

Yesterday I found out that an amazing local skate camp (see my name) is doing open skate weekends and I've been wanting to check it out. But helmets were required, and I didn't have one. So I bought one, and then had to pay to skate too. The helmet is something I needed eventually, but didn't plan on buying one now. Boy did I enjoy having a night out though. I'm so out of shape after 3 years off lol. I'm hurting today. So far so good today, though we will probably spend money on dinner, but I was planning on it, since my sister is moving. I knew today would be a little crazy. 

post #91 of 167

10/1:  no spend joy.gif

10/2:  no spend joy.gif

10/3:  no spend joy.gif

10/4:  no spend joy.gif

10/5:  no spend joy.gif

 

10/6:  budgeted spending thumb.gif gas $40, windshield wiper $13

 

10/7:  budgeted spending thumb.gif groceries $41

10/8:  no spend joy.gif

10/9:  no spend joy.gif

10/10: no spend joy.gif

10/11: no spend joy.gif

10/12: no spend joy.gif

 

10/13: budgeted spending thumb.gif groceries $37, misc. $5, DD's bday party $36, $5 beer

10/14: no spend joy.gif

 

10/15: budgeted spending thumb.gif DD's field trip $3.25

10/16: no spend joy.gif

10/17: no spend joy.gif

 

10/18: budgeted spending thumb.gif laundry quarters $20 (will last about 6-8 weeks)

10/19: no spend joy.gif

10/20: no spend joy.gif

 

DD's party went pretty well, despite the fact that I TOTALLY botched the apple cider (too much cloves, like tongue-coating cloves--disgusting!)  My parents came to the rescue and stopped at Whole Foods on their way over and picked up a jug of cider that I just heated on the stove.  Now I need to figure out what to do with the gallon+ of gross cider that's in my fridge.  I hate to waste it, but it is totally not drinkable in its current state.  Any ideas?  Also, we went to the fall festival at the kids' school and successfully managed to not spend any money there--both kids found some tickets on the ground that they used in addition to their 3 that they got from school.  Today is grocery shopping day and gas-fill-up day.  There are a few things I've been thinking I would like to buy if there's money left over at the end of the month (which, with the way things are sitting right now, could actually happen!), but I'm going to wait until the very end of the month before I make that decision.  My printer is out of ink and the cartridges are usually about $40, so that will be the first thing I buy if there's money leftover.  Also, I could use some more mason jars, so that would come next.  If I'm really sitting pretty after that stuff, I am planning to get some reusable sandwich bags from Etsy.  I'm trying to make sure I think of these things as wants and not needs so that I'm not disappointed if I don't have money left over after all.

post #92 of 167
For the cider you could freeze it in ice cubes for use in multiple ways later. You could use it to simmer on the stove as an air freshener for example. You could also use it in place of water when baking to add flavor for items that can benefit from spices like cloves- maybe in muffins or pumpkin bread or ginger snap cookies or coffee cake.
post #93 of 167
Quote:
Originally Posted by greenmamato2 View Post

For the cider you could freeze it in ice cubes for use in multiple ways later. You could use it to simmer on the stove as an air freshener for example. You could also use it in place of water when baking to add flavor for items that can benefit from spices like cloves- maybe in muffins or pumpkin bread or ginger snap cookies or coffee cake.

Great ideas...thanks!!  I will totally freeze them.  In other exciting news, DD is going to her friend's birthday party in just a little while and I whipped up a little purse for her (it's adorable, if I do say so myself ;)) instead of going out to buy a present! 

post #94 of 167

10-17 - Budgeted Spending only! thumb.gif

10-18 - Small un-budget spending: DH ran to a store to return something (they replaced it free!) and on the way home he stopped at Star Bucks eyesroll.gif

10-19 - Unbudgeted spending: greensad.gif

10-20 - No SPEND!!! joy.gif  

 

Finally! A no-spend day! And I PLANNED on eating out, but my sister paid for dinner, so lucky me! More moving today, so I'm expecting to eat out tonight, but maybe she will pay again. ;) 

 

We have some budgeted spending going on tomorrow with the bath tub being refinished and buying some wood to build my own shelves (WAY cheeper than store bought, and better). Then hopefully during the week we can get a few no spend days. 

post #95 of 167

Well I managed to identify one of the major sources of our income draining each month, since July.  My mom.  crap.gif  The crappy thing is that she needs a lot of help right now, but we can't afford it, and it is starting to feel like she is taking advantage of it.  I'm going to have to get better about saying no and not helping her as much, especially since I'm about to have a baby and will be taking some unpaid time off work. That isn't going to be easy (saying no), but I am hoping it might spur her on to get a job - she's been able to go get one since July but hasn't even looked. :(

 

*SIGH.*

 

We had an unexpected $55 expense today for a bill we forgot to cancel the service for.  That really sucked, and set us back.  We are going to be pretty tight this week.

post #96 of 167

I picked up some extra classes at the gym (I teach aerobics) and that is going to help this month.

post #97 of 167

10/1:  no spend joy.gif

10/2:  no spend joy.gif

10/3:  no spend joy.gif

10/4:  no spend joy.gif

10/5:  no spend joy.gif

 

10/6:  budgeted spending thumb.gif gas $40, windshield wiper $13

 

10/7:  budgeted spending thumb.gif groceries $41

10/8:  no spend joy.gif

10/9:  no spend joy.gif

10/10: no spend joy.gif

10/11: no spend joy.gif

10/12: no spend joy.gif

 

10/13: budgeted spending thumb.gif groceries $37, misc. $5, DD's bday party $36, $5 beer

10/14: no spend joy.gif

 

10/15: budgeted spending thumb.gif DD's field trip $3.25

10/16: no spend joy.gif

10/17: no spend joy.gif

 

10/18: budgeted spending thumb.gif laundry quarters $20 (will last about 6-8 weeks)

10/19: no spend joy.gif

10/20: no spend joy.gif

 

10/21: budgeted spending thumb.gif $35 groceries, $4 soap, $36 gas, $10 bought toys from kids to declutter

 

ETA:  Forgot that I paid the kids each $5 to declutter some toys.  They used to be really good about getting rid of toys, but it's been more challenging lately (and I HATE the stuffed animals--I offered them $1 each per stuffed animal, but they didn't want to sell me any of those angry.gif).

post #98 of 167

Honeybee - lol.gif I love that you paid your kids to declutter toys. Might try that around here sometime. Super job on your budgeted spending and no spending!

 

Crunchy*VT*mom - Picking up some extra hours at the gym - commendable!
 

sk8boarder15 - You totally need to spend money on yourself sometimes -- after 3 yrs of no sk8ing, no helmet, etc. it's worth it for Mommy to get some pleasure and exercise. You are important too!

 

Greenmamato2 - hug2.gif

 

Orangemama - your month is looking pretty good so far!

post #99 of 167
Quote:
15/10 - thumb.gif $15 unplanned Parking ETA - but I did take this money out of my budgetted weekly spending money, so that's good!

 

16/10 - greensad.gif $40 unbudgetted spending for nails, $1.50 for coffee, $140/child x 2 for early bird fee. All unplanned spending.

 

17/10 - greensad.gif $30 unbudgetted birthday lunch for myself and a friend

 

18/10 - greensad.gif $15 unbugetted parking unplanned - kids were impossible to get out of bed, we were all running late. I am so sick right now and was dragging myself around. I had to park again so I wouldn't be late for work.

 

19/10 -  Day off to run errands. Grabbed a quick lunch for $6 which I can take from our monthly food budget. thumb.gif

         greensad.gif   ETA - I forgot that I bought $100 worth of stuff from Staples that we needed like printer ink, paper, envelopes(VISA). Also tanked up the car for $90 (VISA).

 

 

 

20/10 - greensad.gif  $21 Downtown parking due to our annual doula AGM which I organized. On the plus side, I had a budget to cater the food and got to take home the leftover food. $$$ Cha-ching! We did well there! greensad.gif Had to tank up the car using VISA credit card.

 

21/10 - thumb.gif Budgetted spending - grocery shopping

 

I'm noting a pattern here. Mainly credit card use. Should leave it at home.... or be more aware of it's use. It seems that I use it mostly when I've reached the end of my rope, I'm sick and exhausted, and I don't have the energy to run around trying to sell stuff to make up the cash, or have the energy to run around and do it in a cheaper way. Sometimes when I am so freaking tired and unwell, I have to chose convenience over cost just to function. That's how it feels anyway. Not saying that as an excuse. Just saying this is the way it is. Clearly it's a problem though.

 

I have a history of depression and GAD, so sometimes my energy tanks. Dh is AMAZING....... he'll cook a big pot of spaghetti sauce on the weekend to feed us dinner during the week, if I don't cook anything for the week. He makes all of our lunches every night, and that takes 40 mins. We sure save on $$ that way. Bless him.

 

It's really helpful to write this all out. Seems like I spend more money now that I'm back to work. My mantra: Awareness is the first step!

post #100 of 167
Quote:

I'm noting a pattern here. Mainly credit card use. Should leave it at home.... or be more aware of it's use.

 

I'm trying that today too.  I'm going to go take my driver's license out of my purse...leave the license in the car...then leave the purse at home.

 

I figure if I have to drive home first to get the purse to buy something...I probably won't buy it.

 

Because we are going to be out and about a lot today...and that is dangerous for my budget.

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