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January No Spend Challenge~ Ringing in the New Year with $$ in our Pockets!!! - Page 9

post #161 of 485

OMG.  I have yet to post a plan in this thread, but am reading each day and thinking about it.  My finances are complicated and I actually for the first time have income to decide how to spend.  We have a gob of debt to pay off.  As it is a new year, and we have a new situation, I have been working hard to do an updated budget and dh and I have been talking about priorities, strategies etc.  Until we have decided what to do, I have had the plan to have a no spend month as an exercise in restraint, consideration, need, etc.  I have been SOOOOO careful which is not typical for me.  And it has not been easy, but the longer I go (day 7!!!) the more pleased I am and more committed to going the whole month within our budget items only and saving every extra penny.

 

BUT.... I came home from a weekend away with the kids last weekend and dh announced with a grin on his face that two extra presents are arriving for me in the mail.  He doesn't buy stuff, so I had no idea what he was talking about.  He kept repeating himself with a mischievous smile.  He purchased stuff from Adam and Eve without us deciding on that together jaw.gif.  Of all the things to spend on, and botch our no=spend challenge!  I may just return the whole package unopened, then I can't possibly miss what I never had.

post #162 of 485

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Edited by birdie.lee - 5/13/13 at 12:07pm
post #163 of 485
Thread Starter 

Key

thumb.gif  No Spend/ Budgeted Spending

irked.gif  Unbudgeted/ Unnecessary Spending

knit.gif  Crafted for at least 30 minutres

 

 

1.  irked.gif  Not exactly how I wanted to start the year/ month, but all well.  Another $200 spent at Home Depot for more shelving for my kids' rooms, $40 spent at the grocery store while we continue to wrap our head around the food allergies.

2.  thumb.gif

3.  thumb.gif

4.  thumb.gif

5.  thumb.gif  $$ bought DDs's birthday cake and ice cream for DS2.  Blew up the birth pool, gathered birth supplies, & put crib together.

6.  irked.gif  $75 at Home Depot.  Shelves are working out so well in the kids' rooms, DH and I decided to put some in our room.  Making split pea soup for after birth from a ham bone my mom saved.

7.  thumb.gif  knit.gif  Frugal accomplishments for today:  started cutting out cloth wipes to sew for new baby, packed all our snacks and brought our water bottles to the 3hr meeting today that I had to take the kids w/ me to, cooked dinner at home even though I was exhausted after my meeting, including greens from our garden we have in a low tunnel, pulled out next size up clothes from storage for DD2 and DD3 (still need to go through DD3's drawers to pull out too small clothing, hopefully tomorrow)

 

5/ 20 No Spend Days

1/ 20 Crafting Days


Edited by FillingMyQuiver - 1/7/13 at 5:54pm
post #164 of 485
Quote:
Originally Posted by Crunchy*VT*Mom View Post

My Goal = 15 thumb.gif No-Spend days

 

My progress = 5 No-spend day so far

 

01..  $258 lessons for the kids

02..  thumb.gif

03..  thumb.gif

04..  thumb.gif

05..  $40.09  Date Night

06..  thumb.gif

07..  thumb.gif

08..

09..

10..

11..

12..

13..

14..

15..

16..

17..

18..

19..

20..

post #165 of 485

January 1: thumb.gifand irked.gif $14 on gas; I decided to use up the change in my house to buy gas for the next two days thumb.gif

$92.05 on groceries and personal items (lotion, diapers). I let my oldest throw me off track and I bought two items that weren't on the list. Not a big deal, but I really wanted to stay at around $85. 

January 2: love.gif I only brought lunch to work even though I worked a 12 hour day.  I'm getting off of work now; I'm going to zoom home as fast as I (legally) can so I won't be tempted to make a food detour...

January 3: love.gif

January 4: dizzy.gif I totally forgot I was behind on my car payment so I had to make a double payment: $590.28. I also spent $33.01 on gas and had to pay back a loan from my parents of $400. So after paying day care on Monday, I'll have about $75 until I get paid in two weeks... :( My oldest son needs a haircut and I still need more groceries.

January 5: love.gif

January 6: thumb.gif $24.70 on groceries (I got 4lbs of collard greens for $2.49!) from Whole Foods. I think I did pretty good! Also, $99 on part-time day care.

January 7: love.gif

post #166 of 485

1/7 smile.gif I was sure I had a no spend day, but then I realized that DH left me with the car with no gas eyesroll.gif  $20.49 at the gas station.

 

frugal things I did today: used rosemary, sage, and a lemon from our backyard to make lemon herb chicken.  now I am making stock from the carcass. Sent off for 6 packs of free vegetable/herb seeds (only cost me 3 stamps, which I already had). Traded with a friend--gave her a big bag of lemons from our tree and she gave me some kids clothes and a small radio flyer wagon!

 

On the way home from picking the kids up from school I *really* wanted to go thru a drive thru and get a giant soda or iced coffee, but then that would mean buying for the kids too which would end up around $6 or $7.  Luckily I didn't.

post #167 of 485

I spent quite a bit today, most of it unbudgeted but necessary. $60 on clothes for my rapidly growing DD10 (though I'm going to return a few shirts), $13 on nuts and $6.50 on photos for our homeschool lessons at Costco (both budgeted for), $15 on sneakers for DD7, and $20 on a kitchen desk area organizer that ended up not quite fitting in my space, so it will probably go back *sigh* DH actually really wants me to keep the thing, because it looks so nice and is so useful in the space, but I don't see how I can make it work because it will necessitate me spending more money for a smaller inbox so it all fits. I don't know what will happen, but either way, it was not in the budgeted spending!

 

Key: 

 

No frivolous/unbudgeted spending: thumb.gif

Unbudgeted spending: irked.gif

Ate at home all day: yummy.gif

 

12/30: thumb.gif

12/31: irked.gif

1/1: yummy.gif thumb.gif

1/2: yummy.gif thumb.gif

1/3: irked.gif $15 at Starbucks

1/4: yummy.gif irked.gif $9 in library fines 

1/5: yummy.gif thumb.gif

1/6: yummy.gif thumb.gif

1/7: yummy.gif irked.gif $60 on clothes, $15 on sneakers, and $20 on desk organizer

post #168 of 485
Quote:

Originally Posted by micah_mae_ View Post

 

January 5:irked.gif treehugger.gif My oldest is autistic and tends to obsess over things. Lately it's been Christmas lights. Tonight is the last night that we have a local light display, it's 5.5 miles of lights. We have been at least 5 times since Thanksgiving. So I took the boys tonight and I don't feel bad. :) $10 

 

That is really sweet! love.gif

 

Quote:
Originally Posted by melissel View Post

Successfully bypassed the Starbucks even though I was starving, ate lunch with family, having delicious leftover soup for dinner (I didn't give anyone food poisoning joy.gif), and avoided Target! I will probably spend tomorrow though, because DD10 needs some pants that fit and because I need more than one pair of jeans to get through the rest of the winter. 

 

LOL @ didn't give anyone food poisoning.. lol.gif

 

You bypassed Target AND Starbucks??

 

You deserve a energy.gifbroc1.gifbanana.gifcarrot.gifenergy.gif

 

Quote:
Originally Posted by micah_mae_ View Post


January 7: thumb.gif whistling.gifToday is my birthday and I'm feeling kind of down so I've decided that I want to go to starbucks later and get a tall drink and wander Target by myself for some peace. :) And my mom just told me she wants to send me an "e-gift card" so I don't have to buy it myself so yay! A no spend day! The e-giftcard thing is cool, you can email someone a giftcard and they just print it off and use it like a regular gift card!

 

birthday.gif Happy Birthday micah mae!  birthday.gif 

post #169 of 485

Monday 7th of January and Tuesday 8th of January:

$153.47 on budgeted groceries thumb.gif (various things, some for use immediately or for this week, some for pantry/freezer)

 

= $195.07 remaining for groceries this week.

 

What I did to save money:

Today our temperature soared to 108. We have no air con and two shitty fans. I also suffer from heat induced migraines.. Considering the circumstances, I'm going to say that staying home and making lunch & dinner will go down as an accomplishment today! It was so tempting to escape to the beautifully air conditioned mall and spend the entire day there (and spent a lot of $ in the process - I'd have to fill up gas, pay for parking, buy food, be tempted a thousand times over by stuff on 'sale').

We also got by with icy water - Woohoo, kept my freezer sugar free. We got through the heat as frugally as possible.. I'd wet everyone's face with cold water periodically and we'd all stand in front of the fans drinking our icy water. I kept a cold washcloth atop my head and on my forehead. Also had a strong (homemade) iced coffee.. It seemed to help ward off the migraine.

 

I have the beans soaking for tomorrow's lunch and dinner. I'm very forgetful and I usually don't remember to soak them until just before dinner (which is pointless) and means we can't have good nutritious, inexpensive beans for dinner. Again. innocent.gif

 

I bought some good quality milk for half price and whacked it in the freezer for those times we run out of milk prematurely. I also bought 24 cans of our fav tuna on sale and that's sitting nicely in my pantry. I'm currently scouring the sales to see what else I can stock up on. As we are gluten free and I can't bake to save my life (my poor cookies), there isn't much leeway for stocking up on regular sale items. I'm always looking for that lone super special that never seems to come around.

Anyone else have a gluten free pantry? If so, what is in yours?

post #170 of 485

I fell WAY off the wagon with this thread in December!  I have been so tired and stressed that I have not been planning ahead and I have even been buying lunch at work almost everyday!  I'm going to only buy lunch once a week from now on!  I have to get back on track with this thread asap!  We paid off our last CC last month, but now I have the Christmas balance that I hope to pay off this month.  I think because we are just about caught up on CC debt I am feeling like I can spend, but in reality we have to save.  We are going to plan a vacation, savings for Christmas Club,  Beef up EF and start Roth IRA's for both of us.  Seeing the $ add up in the last week on food out is scary!  We ate just one week into January and we have spent $78 on eating out!  We normally eat out maybe once a month!

 

thumb.gif No spending     winky.gif  Budgeted spending    joy.gifDid something to save $ or make extra $       hang.gif  Hung clothes on the line

 

January 

01  thumb.gif

02  winky.gif Groceries greensad.gif Bought lunch $5.31

03  greensad.gif Bought lunch out $5.31

04  winky.gif Filled my tank with gas, paid for my DD's school sport fee,   greensad.gif bought lunch $6.50, went out for dinner with a gift card DH won but went over by $35@

05  joy.gifExchanged a Christmas gift, for bras that I was in dire need of, found on clearance $5 each I got 4!!!! greensad.gif Bought Chinese $20

06   thumb.gif

07   winky.gif  Bought a few things to make lunches during my lunch hour, also bought my lunch $6 greensad.gif

08    thumb.gif  joy.gif  Started reading DR, sat down to go through January spending & make some changes!  

09   

10

post #171 of 485
Quote:
Originally Posted by LoveOurBabies View Post

 

That is really sweet! love.gif

 

 

LOL @ didn't give anyone food poisoning.. lol.gif

 

You bypassed Target AND Starbucks??

 

You deserve a energy.gifbroc1.gifbanana.gifcarrot.gifenergy.gif

 

 

birthday.gifHappy Birthday micah mae!  birthday.gif 

Thanks!

post #172 of 485
Quote:
Originally Posted by LoveOurBabies View Post

. As we are gluten free and I can't bake to save my life (my poor cookies), there isn't much leeway for stocking up on regular sale items. I'm always looking for that lone super special that never seems to come around.

Anyone else have a gluten free pantry? If so, what is in yours?

We are gluten free as well.  The main things I stock my pantry with--tuna, canned salmon and crab, nori (to make sushi), RICE (tons of it), oats, dried beans, nut butters, potatoes.  I also tried quinoa and millet, but no one else in the family wanted to eat it eyesroll.gif

post #173 of 485
Quote:
Originally Posted by JunebugsMom View Post

We are gluten free as well.  The main things I stock my pantry with--tuna, canned salmon and crab, nori (to make sushi), RICE (tons of it), oats, dried beans, nut butters, potatoes.  I also tried quinoa and millet, but no one else in the family wanted to eat it eyesroll.gif

You might keep trying with the quinoa. No one here liked it at first, but after I made it a few times with saucy meals, they started to tolerate it. Now they love it! I also had to buy a pre-bagged, pre-washed kind, because the kind I was buying in bulk at Whole Foods and rinsing just wasn't tasting that great. Our Costco sells a delicious kind that is weird-taste-free, LOL!

post #174 of 485
Quote:
Originally Posted by LoveOurBabies View Post
LOL @ didn't give anyone food poisoning.. lol.gif

 

You bypassed Target AND Starbucks??

 

You deserve a energy.gifbroc1.gifbanana.gifcarrot.gifenergy.gif

 

 

orngbiggrin.gif Thanks! Yesterday and today were big fails, though *sigh* I'll report in later.

post #175 of 485

Home with a sick kiddo.  I am blue to see my boy feeling crummy and his coughing is awful.  Lots of iced juice and hot tea and quiet time on the couch.  

 

Having a sick kid has been good for my wallet.   Just sitting at home and keeping things relaxed -- I cooked up the beans I soaked yesterday and made some lentil soup for dinner.   We were supposed to grocery shop today, but instead are eating up our odds and ends.  My frugal act today -- skipping the grocery store.  I think I can put it off for another day or two while we eat beans and soup.    

 

 

 

love.gif  No spend

thumb.gif  Budgeted spend

irked.gif   Unbudgeted Spend

treehugger.gif  Do something frugal at home

 

January 1 -- love.gif  treehugger.gif  lowered temperature on hot water heater

January 2 -- irked.gif   $10.50 food at airport  treehugger.gif  soaked beans for dh and kids

January 3 -- love.gif

January 4 -- love.gif

January 5 -- love.gif  

January 6 -- irked.gif  $3 tea at airport

January 7 -- thumb.gif  well baby check up  treehugger.gif  soaking more beans for meals, lowered heat 2 degrees

January 8 -- love.gif  treehugger.gif  delayed our grocery shopping for another day

January 9

January 10

January 11

January 12

January 13

January 14

 

 

My goals:

 

Save 50% of Jan 4th paycheck -- done!

Save 20% of Jan 18th paycheck

Do something frugal every day

Make every dollar matter

 
post #176 of 485

Spent a ton on groceries at the grocery store.  But it was all food.  And folks around here like to eat.

 

I consider that just part of my job.  The cost of doing business for a SAHM.

 

So that doesn't count against me.

 

 

 

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

My Goal = 15 thumb.gif No-Spend days

 

My progress = 6 No-spend day so far

 

01..  $258 lessons for the kids

02..  thumb.gif

03..  thumb.gif

04..  thumb.gif

05..  $40.09  Date Night

06..  thumb.gif

07..  thumb.gif

08..  thumb.gif

09..

10..

11..

12..

13..

14..

15..

16..

17..

18..

19..

20..

post #177 of 485

Key:

No Spend/Paying Bills thumb.gif

Budgeted Spend eyesroll.gif

Unbudgeted Spend irked.gif

Did Something Frugal at Home treehugger.gif

 

**9/25 No Spend/Budgeted Spend Days**

**$180/$180 Grocery/Med Budget**

 

 

December 28: thumb.gif Paid rent, electric, water, adt, credit card and van payment for $1,232. But our van payment is now current so we're current on all bills! 

December 29: thumb.gif We'll be spending the day with the inlaws. 

December 30: thumb.gif Budgeted spend on pizza, we got home from out of town at dinner time and I needed to buy groceries! We also got some snacks for the road but my dad had given us "coke money" for the trip (I had gone to the store for him and he told me to keep the change).

December 31: thumb.gifirked.gif Ah groceries. I spent $150 almost even on food, herbs, meds and wipies. My DH will be going to the other store here in a bit to get our milk and produce. My unbudgeted spend was a pair of sweat pants on sale for the little one who didn't have any (and it's cold enough he needs warm pants around the house). They were $4. I also got 3 packs of toss and go sippy cups for $6.

January 1: thumb.gif Well I was going to send DH to the post office but it's closed, so no spend!

January 2: irked.gif Found out that when my dentist talked me into a "deep clean" it turned me into a periodontal patient and my insurance doesn't cover all periodontal cleanings so I have to go every 3 months to be tortured and can't stop being a periodontal patient until I "get better". Sigh. $30 copay for that today. $9 for stamps. $22 for paper kitchen items (plates/bowls/etc) and tissues because I'm trying to get over the flu and can't keep up with the house. Sigh.

January 3: thumb.gif treehugger.gif I'm still getting over the flu and now DH has gastroenteritis (Lord help us) so another day inside until we have speech therapy at 1:30. We only have $50 left and I'm not touching it! Next pay period will be more challenging because I'll have more $$ available which makes it harder not to spend it! For my frugal thing done at home I made a quadruple batch of steel cut oats for breakfast and divided it into qt sized jars for quick breakfasts later this week. :)

January 4: irked.gif Alright..*shame* I'll put the worst things first: Movie for the boys $10, donuts for breakfast $7 and workbooks from targets dollar section because we haven't been able to afford our home school curriculum yet $4. I also got floss (the string kind since the stick kind I've been using apparently don't work well) $3 and instant potatoes $4. Now to go hide in shame.

January 5:irked.gif treehugger.gif My oldest is autistic and tends to obsess over things. Lately it's been Christmas lights. Tonight is the last night that we have a local light display, it's 5.5 miles of lights. We have been at least 5 times since Thanksgiving. So I took the boys tonight and I don't feel bad. :) $10 So usually we eat oatmeal 3-4 times a week and sweeten it with maple syrup. Well real maple syrup is expensive, so today I cooked 3/4 c frozen berries with 1/4 c water and 2 T maple syrup. Blended it all together and voila, healthier "pink" oatmeal even yummier and cheaper. 

January 6: thumb.gif Staying home today..marriage drama, 30 weeks pregnant, a 2 yo and a 4 yo..I'm worn out. :(

January 7: thumb.gif whistling.gifToday is my birthday and I'm feeling kind of down so I've decided that I want to go to starbucks later and get a tall drink and wander Target by myself for some peace. :) And my mom just told me she wants to send me an "e-gift card" so I don't have to buy it myself so yay! A no spend day! The e-giftcard thing is cool, you can email someone a giftcard and they just print it off and use it like a regular gift card!

January 8: thumb.gif treehugger.gif Not much to tell! Later I'm making a big batch of muffins I think, breakfast is hard for me being 30 weeks pregnant.

January 9:

January 10:

January 11:

January 12:

January 13:

January 14:

January 15:

January 16:

January 17:

January 18:

January 19:

January 20:

January 21:

January 22:

January 23:

January 24:

January 25:

January 26:

January 27:

January 28:

January 29:

January 30:

post #178 of 485
Thread Starter 

Key

thumb.gif  No Spend/ Budgeted Spending

irked.gif  Unbudgeted/ Unnecessary Spending

knit.gif  Crafted for at least 30 minutres

 

 

1.  irked.gif  Not exactly how I wanted to start the year/ month, but all well.  Another $200 spent at Home Depot for more shelving for my kids' rooms, $40 spent at the grocery store while we continue to wrap our head around the food allergies.

2.  thumb.gif

3.  thumb.gif

4.  thumb.gif

5.  thumb.gif  $$ bought DDs's birthday cake and ice cream for DS2.  Blew up the birth pool, gathered birth supplies, & put crib together.

6.  irked.gif  $75 at Home Depot.  Shelves are working out so well in the kids' rooms, DH and I decided to put some in our room.  Making split pea soup for after birth from a ham bone my mom saved.

7.  thumb.gif  knit.gif  Frugal accomplishments for today:  started cutting out cloth wipes to sew for new baby, packed all our snacks and brought our water bottles to the 3hr meeting today that I had to take the kids w/ me to, cooked dinner at home even though I was exhausted after my meeting, including greens from our garden we have in a low tunnel, pulled out next size up clothes from storage for DD2 and DD3 (still need to go through DD3's drawers to pull out too small clothing, hopefully tomorrow)

8.  thumb.gif  $17 spent at grocery store for milk, pasta, and a jar of sauce (not frugal, I usually make my own sauce, but hey, we didn't eat out winky.gif).  Frugal accomplishments for today:  went through DD3's clothes, separated all of the clothes I've pulled from the drawers the last few weeks and started a donation bag, raked half my front yard and moved the leaves into the garden beds, dug a trench and buried 5 gallons of kitchen scraps in one of the beds, brought our change to the coinstar machine and got an amazon gift card.

 

6/ 20 No Spend Days

1/ 20 Crafting Days

post #179 of 485
Quote:
Originally Posted by JunebugsMom View Post

We are gluten free as well.  The main things I stock my pantry with--tuna, canned salmon and crab, nori (to make sushi), RICE (tons of it), oats, dried beans, nut butters, potatoes.  I also tried quinoa and millet, but no one else in the family wanted to eat it eyesroll.gif

 

Hehe.. Yeah we had some resistence to Quinoa as well. I've found they will tolerate Quinoa flakes but not so much the seeds. I might take Melissel's advice and just keep trying.

 

Re: Oats.. Aren't they full of gluten? I've heard of gluten free oats but I haven't been able to find them (even in health food stores).

post #180 of 485
Quote:
Originally Posted by melissel View Post

 

orngbiggrin.gif Thanks! Yesterday and today were big fails, though *sigh* I'll report in later.


hug2.gif

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