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November No-Spend Challenge ~ Don't let little purchases gobble gobble up your savings. - Page 6

post #101 of 243

bag.gif

 

'Nuff said.

post #102 of 243

11/1)  innocent.gif   Budgeted 

11/2)  thumb.gif No spend

11/3)  thumb.gif No spend

11/4)  thumb.gif No spend

11/5)  upsidedown.gif   Almost no spend

11/6)  shy.gif   Groceries, a bit over budget

11/7)  innocent.gif Budgeted groceries, day 2.  .

11/8)  irked.gif Forgot more groceries, but budgeted.

 

************************************************************

11/9)  nut.gif  ....and some more groceries.  Plus, since I didn't pack snacks and I brought the girls, ended up paying more for snacks we didn't need.  (Sigh....)  I blame some of this craziness on making 3 meals for lots of people, and having to deal with leftovers, and I've some missteps in planning meals.  I must find my groove again.  

 

I filled up the gas tank.  I hate buying stuff for the car, but I guess gas prices are lower.

 

11/10)  thumb.gif  No spend, because we're not going anywhere.

11/11)  thumb.gif  No spend, ditto

 

We are going to town tomorrow and Tuesday.  Hope for a bit more discipline and planning.

 

Food bill about $399 for the month.  Yikes.

post #103 of 243

Ok, playing catch up...

 

love.gif - extra thrifty

thumb.gif - no spend

smile.gif - normal expense

greensad.gif - unplanned extra

 

1. smile.gif groceries

2. thumb.gif

3. smile.gif $20 birthday present for niece - this is borderline, because we could have spent a lil less if I'd made something or bought something small, but we did cash (of course, the difference would probably have been eaten up by time and gas money...)

4. thumb.gif

5. thumb.gif

6. thumb.gif (DH brought home a pizza - I'm not counting this! 2whistle.gif)

7. thumb.gif

8. greensad.gif MOSTLY budgeted items at grocery store, but I've been super nauseous lately (stupid mini pill) so @ health food place I did splurge on a big bottle of ginger juice w/ honey & lemon and some yummy sweet and sour tofu that I split with DS @ the playground luxlove.gif - total unbudgeted: $10

9. thumb.gif Walked through autumn air, past drugstore AND delicious coffee shop to make it to library and playground and back (free fun - whoo hoo!) - planning to make a mug of hot ACV with cayenne and honey as treat instead (toddler nap nursing).

10. greensad.gif Had to take cat to the vet, giant bill for services plus new flea meds for cat and dog (apparently the fleas in our area are now immune to the cheap stuff) AND we got a pizza (not even cheap pizza night, like last time, but we did get it from the cheaper local place) - hopefully cat feels better soon, poor guy!

11. smile.gif Heading to the grocery store today for snacks and such - will exercise restraint (or be forced to edit this)!  And I washed up some old dog toys I'd put away in a toy box years ago (when the dog was my only baby shy.gif) instead of buying new.

 

 

post #104 of 243

11/1: no spend shine.gif

11/2: no spend shine.gif

11/3: budgeted spending thumb.gif Costco $130 (once a month trip), Grocery store $42, Stamps $9, Gas $33

11/4: no spend shine.gif

11/5: no spend shine.gif

11/6: no spend shine.gif

11/7: no spend shine.gif

11/8: no spend shine.gif

11/9: no spend shine.gif

11/10: budgeted spending thumb.gif thrift store $13

11/11: budgeted spending thumb.gif $57 groceries, $37 gas, Sheepish.gif $10 glass of wine (unbudgeted)

 

So great ski pants deal ended up working out not-so-great...how did DD get so dang tall?  Need to take those back.  And the search goes on.  I may need to adjust later tonight, as we're going to hit up a different thrift store near my parents' house this afternoon on our way there.

 

ETA:  some unbudgeted spending.  A friend of mine called last night and asked if I wanted to go see her boyfriend play music at this nice jazz place close by, so I went.  I got in for free, but bought a glass of wine.  While I spent money within my budget, I'm still counting it as unbudgeted because I didn't really need it.


Edited by honeybee80 - 11/12/12 at 5:23am
post #105 of 243
Thread Starter 

...sung to the tune of "camptown ladies"

 

We have nooo money in the bank, doo dah, doo dah

We have nooo money in the bank, oh the doo dah day

 

That song right there means that this next week is going to be an easy- no spender for me.  Can't spend it if you haven't got it.

 

 

 

 

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

01..  thumb.gif

02..  thumb.gif

03..  $195 Christmas presents

04..  thumb.gif

05..  thumb.gif

06..  thumb.gif

07..  thumb.gif  

08..  $87 Christmas cards and pictures

09..  $40 hair

10..  thumb.gif

11..  $15 ski repair

12..

13..

14..

15..

 

My goal = 20 No Spend Days

My progress =  7 thumb.gif days so far

post #106 of 243
Thread Starter 

word

 

 

Quote:
Originally Posted by Surfacing View Post

bag.gif

 

'Nuff said.

post #107 of 243

No spend =  joy.gif

Budgeted spend = thumb.gif

Unbudgeted spend =  irked.gif

 

1.thumb.gif      Supper with my grandmother

2.joy.gif    No spend!  Yay me!  

3.irked.gif        Oh well...can't be good every day...

4.joy.gifNo spend!

5. irked.gif      Chicken feed, stock up on gasoline while it's down to $3.17/gal.  On the upside, resisted eating out for supper!

6.joy.gifNo spend!    4 out of 6 so far...pretty good!

7.  joy.gifWoohoo!   Tomorrow SHOULD BE a budgeted spend.  happytears.gif

8. irked.gif   Ordered new carpet for the LR.  Big spend!  Supper at McDonald's.  Will hope for a better day tomorrow.

9.  joy.gif  No spend!   6 out of 9

10.  irked.gif   Spent today (groceries, gas, breakfast, snack money for DS for his class, etc.)  

11.  irked.gif  Lunch at Arby's

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post #108 of 243

Today was a really spendy day! Every time I hang out with my sister it is a spendy day, lol.

We went shopping at a bunch of thriftstores and got unique books and toys which were all half off for the holiday.

Then we went to a few stores with coupons and sales that were today instead of just tomorrow and bought a stockpile of 'essentials'.

I feel kind of bad about spending so much today on things I am just going to leave on the shelf for a few months till I need them.

post #109 of 243

We did pretty good this weekend  - if you don't count shopping around for guitar lessons!

Usually weekends are my spendy times.

 

I went to trader joes and spent a bit and stockpiled freezer a bit more ($65) and then hit container store for freezer baskets and magnetic spice tins ($25)

 

I really need to hitup target and get DS1 a new winter jacket now that weather has turned!

 

and tomorrow will be $$....gotta take son in for dentist visit, and he's going to make me pay in full because of my ex's dental insurance. urk.

post #110 of 243
Thread Starter 

Payday is three days away.

 

Still singing Camptown Ladies up here.

 

 

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

01..  thumb.gif

02..  thumb.gif

03..  $195 Christmas presents

04..  thumb.gif

05..  thumb.gif

06..  thumb.gif

07..  thumb.gif  

08..  $87 Christmas cards and pictures

09..  $40 hair

10..  thumb.gif

11..  $15 ski repair

12..  thumb.gif

13..

14..

15..

 

My goal = 20 No Spend Days

My progress =  8 thumb.gif days so far

post #111 of 243

thumb.gif Budgeted         greensad.gif Not Budgeted/went over      joy.gifSaved $, got freebee, paid something off, worked an extra shift        hang.gif   hung clothes out         

 

November
1.  DD2 sport workshop $62  budgeted thumb.gif  Working an extra shift tonight joy.gif    and just   hang.gif

thumb.gif  No spend day! I resisted getting lunch out after school.  Instead I came home and made eggs & toast. I hung 2 loads of laundry hang.gif  Picked up extra shift joy.gif

3   thumb.gif No spend day!  hang.gif

4    thumb.gifBought $10 of groceries, also got budgeted wood heating pellets and hang.gif

5    thumb.gif  No spend!   Working an extra shiftjoy.gif

6    thumb.gif hang.gif Working an extra shift today joy.gif

7   thumb.gif No spend  I'm supposed to be working an extra shift tonight! joy.gif

8.  thumb.gif  No spend! Worked extra shift joy.gif

9. thumb.gif Budgeted spending on groceries hang.gif

10. thumb.gif Budgeted raw milk & dry goods from bulk bins

11. thumb.gif  Made a really frugal venison soup with soup bones veggies and barleyjoy.gif I'm becoming so aware of how much barely worn stuff gets thrown in by line drying   hang.gif

12.  thumb.gif Deep cleaned my kitchen.  Culturing a batch of yogurt and making homemade granola joy.gif

post #112 of 243
Thread Starter 
Quote:
Originally Posted by CookiePie View Post

 thumb.gif Deep cleaned my kitchen.  

 

 

That is SO what I should be doing tomorrow.

post #113 of 243
Thread Starter 

You can compare what you spend each month for groceries with this September 2012 chart from the USDA:

 

http://www.cnpp.usda.gov/Publications/FoodPlans/2012/CostofFoodSep2012.pdf

 

Food is EXPENSIVE!!

post #114 of 243

No spend =  joy.gif

Budgeted spend = thumb.gif

Unbudgeted spend =  irked.gif

 

1.thumb.gif      Supper with my grandmother

2.joy.gif    No spend!  Yay me!  

3.irked.gif        Oh well...can't be good every day...

4.joy.gifNo spend!

5. irked.gif      Chicken feed, stock up on gasoline while it's down to $3.17/gal.  On the upside, resisted eating out for supper!

6.joy.gifNo spend!    4 out of 6 so far...pretty good!

7.  joy.gifWoohoo!   Tomorrow SHOULD BE a budgeted spend.  happytears.gif

8. irked.gif   Ordered new carpet for the LR.  Big spend!  Supper at McDonald's.  Will hope for a better day tomorrow.

9.  joy.gif  No spend!   6 out of 9

10.  irked.gif   Spent today (groceries, gas, breakfast, snack money for DS for his class, etc.)  

11.  irked.gif  Lunch at Arby's

12.  joy.gifNo spend!

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15.

16.

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18.

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21.

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30.

post #115 of 243

11/1: no spend shine.gif

11/2: no spend shine.gif

11/3: budgeted spending thumb.gif Costco $130 (once a month trip), Grocery store $42, Stamps $9, Gas $33

11/4: no spend shine.gif

11/5: no spend shine.gif

11/6: no spend shine.gif

11/7: no spend shine.gif

11/8: no spend shine.gif

11/9: no spend shine.gif

11/10: budgeted spending thumb.gif thrift store $13 - $3 (returned ski pants)

11/11: budgeted spending thumb.gif $57 groceries, $37 gas, Sheepish.gif $10 glass of wine (unbudgeted)

11/12: no spend shine.gif

post #116 of 243

 

1/1)  innocent.gif   Budgeted 

11/2)  thumb.gif No spend

11/3)  thumb.gif No spend

11/4)  thumb.gif No spend

11/5)  upsidedown.gif   Almost no spend

11/6)  shy.gif   Groceries, a bit over budget

11/7)  innocent.gif Budgeted groceries, day 2.  .

11/8)  irked.gif Forgot more groceries, but budgeted.

11/9)  nut.gif  ....and some more groceries.  Gas.

11/10)  thumb.gif  No spend

11/11)  thumb.gif  No spend

 

**************************************************

 

11/12  upsidedown.gif  Almost no spend--bought a couple cheap snacks for everyone, about 2.50.

 

Food bill about $401.50 for the month. 

 

Had a heart-to-heart with the girls today.  They keep asking for french fries and hot chocolates at the coffee stand.  Finally, we started talking about "finding money" in our grocery/snack/treat bill.  We could make room there.  We are scraping this time of the year.  It was a good conversation we'll see tomorrow and the next week how it ends up.

 

Almost finished a hat for myself from old yarn, and I resisted buying 16" cable needles, using instead my double pointed needles in that size.  knit.gif

post #117 of 243
Thread Starter 

Today will be a challenge for me.

 

Having no money in the bank has never stopped me before.  That's what credit cards are for.

 

I need to fight that urge and keep my self out of the stores and off the internet.

 

My plan for the day is to copy Cookie and deep clean my kitchen.  It's rainy and cold.  Perfect day for home improvement projects.

post #118 of 243

Great plan CrunchyVTMom!  I was looking at this site for cleaning/organizing inspiration I've been having the itch to get started with Christmas shopping, which I will start very soon.  I have some money set aside for gifts already, but I'm eager to see how much extra money I've earned in the last 2 weeks picking up extra shifts at work. I want to allocate some of those earnings toward gifts.  I also want to do much of my shopping online to help me focus on my list and not find more gifts that the kids didn't even ask for.  

 

 

 

thumb.gif Budgeted         greensad.gif Not Budgeted/went over      joy.gifSaved $, got freebee, paid something off, worked an extra shift        hang.gif   hung clothes out         

 

November
1.  DD2 sport workshop $62  budgeted thumb.gif  Working an extra shift tonight joy.gif    and just   hang.gif

thumb.gif  No spend day! I resisted getting lunch out after school.  Instead I came home and made eggs & toast. I hung 2 loads of laundry hang.gif  Picked up extra shift joy.gif

3   thumb.gif No spend day!  hang.gif

4    thumb.gifBought $10 of groceries, also got budgeted wood heating pellets and hang.gif

5    thumb.gif  No spend!   Working an extra shiftjoy.gif

6    thumb.gif hang.gif Working an extra shift today joy.gif

7   thumb.gif No spend  I'm supposed to be working an extra shift tonight! joy.gif

8.  thumb.gif  No spend! Worked extra shift joy.gif

9. thumb.gif Budgeted spending on groceries hang.gif

10. thumb.gif Budgeted raw milk & dry goods from bulk bins

11. thumb.gif  Made a really frugal venison soup with soup bones veggies and barleyjoy.gif I'm becoming so aware of how much barely worn stuff gets thrown in by line drying   hang.gif

12.  thumb.gif Deep cleaned my kitchen.  Culturing a batch of yogurt and making homemade granola joy.gif

13.  thumb.gif  No spend


Edited by CookiePie - 11/13/12 at 8:54am
post #119 of 243
Quote:
Originally Posted by Crunchy*VT*Mom View Post

Today will be a challenge for me.

 

Having no money in the bank has never stopped me before.  That's what credit cards are for.

 

I need to fight that urge and keep my self out of the stores and off the internet.

 

My plan for the day is to copy Cookie and deep clean my kitchen.  It's rainy and cold.  Perfect day for home improvement projects.

You can do it Crunchy*VT*Mom... I have faith in you!  Put your credit cards in the freezer and walk away.  cold.gif

 

I'm hoping today will be a budgeted spend for me.  Have to pay for the remainder of a school trip to Chicago which comes up in April, but it is budgeted for.  I'm thinking there won't be anything else today.  Fingers crossed!  fingersx.gif

post #120 of 243

Key

thumb.gif  No spend/ budgeted spending

irked.gif  Unbudgeted spending

knit.gif  Crafted for at least 30 minutes

 

 

1.  thumb.gif  knit.gif  Starting the month off right orngbiggrin.gif

2.  thumb.gif  knit.gif 

3.  thumb.gif  knit.gif

4.  irked.gif  I've already spent a chunk on some Christmas presents for the ILs and DH.  I wasn't planning to spend this much, but the gifts I got are *perfect* for them and they're so incredibly generous with us, I don't feel the least bit sad or guilty about it, lol.gif  Also, we're doing our big monthly grocery shop at Costco.  DH isn't coming w/ us, so hopefully I'll have an easier time sticking to the list and budget.

5.  thumb.gif  knit.gif  DH had a dr appt and needed a prescription, thankfully we have a medical sink fund to cover the co-pays.

6.  thumb.gif  knit.gif

7.  irked.gif  knit.gif  I have got to stop going on zulily.  I just dropped another chunk on some probably unneeded Christmas gifts blush.gifduh.gifnono.gif

8.  thumb.gif  knit.gif

9.  thumb.gif  Budgeted spending today-  picked up DS2's birthday present.  Quite happy because we got it on sale AND had a gift card we were able to apply to it, so although I budgeted $100 for it, we only ended up spending OOP $75.  ALSO, I had a coupon for a $10 gift card if you spent a certain amount, so I have another $10 gc in my wallet now to apply to future gifts thumbsup.gif

10.  irked.gif  knit.gif  I knew today would be a spending day.  We bought "gifts" to fill our Operation Christmas Child boxes for church and we finished out the monthly grocery shop.  We went over the grocery budget because I let DH convince me to get lunch meat and I found a good deal on potatoes, 50lbs for $17, so I bought a sack.  Also, though I had intended on making DD1's birthday cake for tomorrow, I just don't have the time or energy, so we bought one.

11.  irked.gif  bag.gif  More Christmas gifts.  *sigh*

12.  thumb.gif  Whew, finally.  Most of today was spent prepping for our scout pack meeting potluck.

13.  thumb.gif  Not going anywhere today.  Hopefully I'll make some progress on homemade gifts.

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