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January No Spend Challenge~ Ringing in the New Year with $$ in our Pockets!!! - Page 21

post #401 of 485

Anther no-spend day planned.  Getting a little boring, aren't I?  I mean what was it that I used to buy that ate up all of our money?  I couldn't even begin to tell you.  This month has been a real eye opener.  We'll save almost 35% of our take home pay and we aren't missing anything.  Makes me think we could be saving a lot more.  And we need the savings.  We have lived too close to the bone for too many years.  

 

I would really like some candles though.  I have burned every little nub of candle stub and am completely out now.  Dh's birthday is Friday and dinner by candle light is a bit of a tradition.  Or I could dig out some Christmas lights and tuck them into mason jars for a similar effect.  LIke this:  http://lavieenblanche.blogspot.com/2011/08/lets-talk-lighting.html Yep, I think I'll do that.  Wouldn't want to break a no-spend trend.  

 

My frugal act today -- made muffins for breakfast with extra to take to a playdate.  

 

 

 


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

January 10 -- thumb.gif  grocery shopping 

January 11 -- love.gif  treehugger.gif  shut down the heat due to warm temps

January 12 -- love.gif  treehugger.gif  dh repaired kitchen faucet

January 13 -- love.gif

January 14 -- irked.gif $20 shoes, $20 birthday present, $30 haircuts

January 15 -- love.gif  

January 16 -- love.gif

January 17 -- thumb.gif  grocery shopping 

January 18 -- love.gif

January 19 -- love.gif

January 20 -- love.gif

January 21 -- love.gif

January 22 -- love.gif

January 23 -- love.gif  treehugger.gif  made snacks for play date

January 24

January 25

 

 

 

My goals:

 

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

Save 20% of Jan 18th paycheck -- nope, only made 16%

Do something frugal every day

Make every dollar matter

 

post #402 of 485
Quote:
Originally Posted by Ruthiegirl View Post

 

 

I am right there with you.  I need new glasses, dh needs them and dd has one pair, but no back up.  I keep putting it off, because I know it will be a huge hit of cash.  I need to look into on-line places to buy glasses again.  I tried it once with Zenni Optical, but my crazy stigmatism makes it tough to get the prescription right. 

We've had great luck with Coastal and your first pair is basically free (of course there is cost for add-ons or special prescriptions.  but still really cheap and DH and I both love our glasses).

post #403 of 485

Oh man, stop me from spending money people!  I do some freelance work so my paychecks are not regular at all.  This morning I found out that I will be getting paid quite well for the project I am starting this week.  It will be a lump sum but I won't actually get the check for about 2 months.  This totally makes me feel like I should buy myself a treat (immediately), which is silly because I should just look at it like a regular paycheck that we need to pay bills with just like DH's paycheck.  Maybe when I actually have the check in my hands I will treat myself to something small.

post #404 of 485

Key:

No Spend/Paying Bills thumb.gif

Budgeted Spend eyesroll.gif

Unbudgeted Spend irked.gif

Did Something Frugal at Home treehugger.gif

 

**18/25 No Spend/Budgeted Spend Days**

**$480/$480 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 Not much to tell! 

January 9: thumb.gif Staying home today, it's cold and rainy. I think I'll make a big batch of breakfast food later.

January 10: thumb.gif Got some birthday money and got a couple things for myself and the boys but since it's not budgeted I'm not counting it. We also got enough for a year membership to the childrens museum so I'll be buying that on Monday!

January 11: thumb.gif Doing these next few days in advance, we'll be staying home except for church on Sunday and nothing to buy there!

January 12: thumb.gif treehugger.gifA friend gave me her extra bountiful basket! I'm trying to keep my kids out of it so I can make strawberry/carrot muffins for snack. :)

January 13: thumb.gif

January 14: thumb.gif PAYDAY We are so spending money but it'll be budgeted..$465 on bills (cell/internet, insurance, adt), $250 on the gas card, $23 to the army for an overpay, $30 on haircuts for the kids, $45 on diapers, $55 on cloth pull ups, $80 for a years worth of laundry soap, $20 for school stuff, $70 savings for Christmas, $185 in our savings jar and $21 in the kids savings jar. Phew. I also have to go grocery shopping but I'll do that later this week. Speaking of which, I've increased our food budget so we can buy some meat in bulk.

January 15:irked.gif I'm gonna take a spend day today. I have to get a new tea kettle. We drink hot beverages a lot. I drink hot lemon water in the mornings and hot chocolate at night (I get munchies and hot chocolate is so much cheaper than buying snack food!), DH makes instant coffee probably daily. I've been using a small pan but it's always dirty from cooking and I may sound lazy but when I want hot water I just want hot water, lol. I will go and just get that and also get our gas money on a gift card. I'm also irritated because I accidentally put twice the amount I was supposed to in our Xmas fund and it's ING so I can't transfer half of it back out until the 22nd. We're supposed to be going to the childrens museum in Austin but I don't know if the money will be there yet now thanks to my irresponsibility. Sigh. **Add to this DH just told me I had to order him a new birth certificate or he can lose his security clearance so that's $30. Dang it.* So now I'm not paying a couple things until that one payment to ING comes back in a week. Gah.

January 16: thumb.gif No more spending until I can fix the ING money issue, not even budgeted! Although I just remembered that I took out $100 to get the van fixed (we already bought the part) so I may just put that back in the bank until the other issue gets fixed then take the van in. The van can certainly wait, it's not emergent.  .

January 17: irked.gif About $5 for onions, garlic and ziplock bags for meat mixes.

January 18: irked.gif I was craving PB Captain crunch for dinner. I know, I know, horrible. $11 for cereal. Tomorrow I pledge to have a no spend day.

January 19: irked.gif $10. No excuses, we had coupons for kids meals and my son asked for a hamburger for dinner so I dug them out. The $10 was for DH and I.

January 20: treehugger.gif irked.gif $12 for food and $50 for redbox..wth? I guess that explains why I found 3 redbox movies in DHs truck that he was supposed to take back and apparently never did. Ugh. Good thing we weren't overdrafted but that was so not in the budget. I'm pretty irate with him and with myself for being lazy about food lately. I'm struggling because I'm 7 months pregnant and late pregnancy fatigue has hit me HARD. I vow not to buy food again until payday, we won't starve I'll just have to ration the fruit for the boys. But I got the chicken mix in the freezer and 30 cups of broth.

January 21: treehugger.gif thumb.gif Made some meat mix.g 

January 22: treehugger.gif irked.gif $8 for groceries..eggs, cheese, etc. Finished the last of the meat mix and got it in the freezer!

January 23: treehugger.gif thumb.gif Made a big batch of steel cut oats!

January 24:

January 25: 

January 26:

January 27:

January 28:

January 29:

January 30:

 

Tomorrow we're going to the childrens museum but the tickets will be budgeted for and we're packing our own food so should be a good day!

post #405 of 485
Quote:
Originally Posted by JunebugsMom View Post

Oh man, stop me from spending money people!  I do some freelance work so my paychecks are not regular at all.  This morning I found out that I will be getting paid quite well for the project I am starting this week.  It will be a lump sum but I won't actually get the check for about 2 months.  This totally makes me feel like I should buy myself a treat (immediately), which is silly because I should just look at it like a regular paycheck that we need to pay bills with just like DH's paycheck.  Maybe when I actually have the check in my hands I will treat myself to something small.

Start "spending money" on paper instead.  Make a list of what you really want around the house but don't absolutely need (in my house the towels are getting scrappy, the sheets are all mismatched and the dishes are getting chipped up).  Maybe you want pay for a special event instead.  Figure out what you can afford, do research as to where you are going to make the purchase and when (for the best deals).  Keep this list, modify it, and when that check comes in, make those purchases.

post #406 of 485

jammin.gifcarrot.gif= Excellent

oops.gif / shrug.gif = Not so good, but not so bad, either

dizzy.gif / surrender.gifduh.gif= Very, very bad

 

1.16 jammin.gif

1.17 carrot.gifJust some OJ and candy bars for dh.  I normally don't count those, but if they show up on the grocery store receipts, then I do.

 

1.18 shrug.gif  Big day out-- and family swim made us hungry!  We bought a lot of snacks from the co-op.

1.19 jammin.gif  No spend.  Staying home.  

1.20 jammin.gif  No spend.

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

1.21  shrug.gif Open gym, $10 came from our FUNfund, and lunch at DQ.  The girl's fries were out of their budget.  $9.50

1.22  carrot.gifGrocery stops @coop and regular store:  we did pretty well, the girls' snacks out of their budget, few other treats.  I'm not going to make my 5-week goal, but if I shopped more carefully like I have been doing this last week, I'm sure we would do a little better.  

 

 

=$842/ $920 for 5 weeks ending Sunday, 2.3  Doesn't look like I'm going to make this.  

 

 

 

post #407 of 485
Quote:
Originally Posted by delightedbutterfly View Post

thumb.gif = No Spend  smile.gif = Groceries/Gas/Ok spending  duck.gif= Unnecessary spending  jog.gif = Exercised  yummy.gif = Ate all meals at home

 

Jan 13: smile.gif $40.79 on groceries (although this was mostly "man" food) and he got me another Slurpee but must have paid cash wink1.gif And I'm sending him out for dinner again (and not feeling guilty about it) because I do NOT have the energy to A)cook and B) face the mess in the kitchen from DH cooking over the last couple days... I cleaned the bathroom and did laundry today... my energy is GONE! Probably around $30... duck.gif


Jan 14: DH *did* come down with it late last night greensad.gif so while he missed a day at work it looks like he is doing better! I'm sleeping in the guest bed again tonight... MUST make a *new* mattress in here a budget item, this one used to be my grandparents and it was an extra guest bed at my parents... I can't hazard to guess how old it is but it is horrible!!! However we didn't spend today, I still had my DC kid (mom figures he'll end up sick with this eventually anyways) and we ate all "meals" at home! yummy.gif

Jan 15: Finally got out of the house today. Slept better last night! Did horrible on the no spend... Bought myself and youngest breakfast out duck.gif$17 and then spent smile.gif $69 on much needed fresh groceries and $30 on a home decor item, was supposed to be $35 but when I got there she told me to only give her $30... It's a local at home mom business and she makes amazing stuff, a total splurge yes but I had already agreed to purchase before the new year, she was just away until now. I'm taking the other $5 and putting it towards our EF smile.gif

 

Ok so basically this whole week has been a bust. I was still super sick on Wed and Thursday... only today (Friday) have I started to feel better at all...

 

Jan 16: duck.gifbought myself a smoothie $4.48 basically anything to try and get something into me. Of course when I'm sick I crave c*ap food and trying to get *any* nutrition is hard. Spend $11.20 on a couple things my mom wanted me to pick up. I have to mail them to her so it's going to cost me postage too :(  Then I bought myself lunch $11.59 as I had some alone time as my youngest was at a playdate.

 

Jan 17: Still not feeling well. Spent $7 :) on DD's drop in gym fee. Then bought us lunch out at $12.61 and then we went and watched DD1's skating with her school and I bought us all smoothies afterwords $14.39. We then went grocery shopping $34.31.

 

Jan 18th: I'm FINALLY feeling about 85% better! And although I need a trip to a box store the roads are horrible at the moment so it's only been a school drop off/pick up kinda day. So yay! thumb.gif and yummy.gif

 

Jan 19th: Date night. But we haven't had one in months. So it's all ok spending here! $66.67 on dinner, $13.31 on Dessert while we were trying to extend the date... sad I know but no good movies were playing so we went to the Casino and DH promptly lost $60 in less time than it took me to lose the $20 I kept going up and down on. And we paid the Babysitter $40. smile.gif

 

Oh and I know it looks like we didn't buy gas but I'm going to have to look at DH's account because I think he put gas in the car...


$144.10/$200 weekly grocery budget
$157/$?? weekly stuff budget
$0/$?? weekly gas budget
$170.05/$?? weekly eating out budget (would like this to be $50 a week to start, with a goal of $100 a month but that could be unrealistic)
$27.89/$50 monthly dog budget

thumb.gif = No Spend  smile.gif = Groceries/Gas/Ok spending  duck.gif= Unnecessary spending  jog.gif = Exercised  yummy.gif = Ate all meals at home

 

Week 4 Jan 20-26

 

I made a realization this week. We're going to spend money. But my goal is to SPEND LESS. I'm trying and with being sick that really through us for a loop. But It's payday tomorrow and the amount of money left over in the account is INCREDIBLE! It will pay off another good chunk of our CC and LOC and my saving for our BEF is going awesome! So I'm actually really proud of us. Yes we could cut back more. But it's our first month and life still happens! I like my weekly totals as it's really helping me see where our money is going!

 

Jan 20: Stuff: $32.73 (Birthday party present and toiletries), $19.32 random stuff, $5.60 (75% off Christmas cards for next year, 30 total and that's how many I think I'll send out) Eat Out: $8.40 and $25.88 Groceries: $94.97 smile.gif duck.gif

 

Jan 21: $40 Gas smile.gif yummy.gif

 

Jan 22: Had to go to a Dr's Appt 2.5 hours away and so we always do our "big" shopping at the same time (ie Costco and other stores we don't have here). Eat Out: $ 14.55, $15.75 and $8.37 Stuff: $33.57, $8.40, $10.50, $155.90, $19.73 Gas: $64.03 smile.gifduck.gif

 

Jan 23: Going for a no spend day today! In fact I deposited my last couple weeks of babysitting cheques and withdrew the money straight to our cash BEF. thumb.gif yummy.gif

 

$94.97/$200 weekly grocery budget

$280.20/$?? weekly stuff budget
$104.03/$?? weekly gas budget
$72.95/$?? weekly eating out budget (would like this to be $50 a week to start, with a goal of $100 a month but that could be unrealistic)
$27.89/$50 monthly dog budget

post #408 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.

9.  thumb.gif  $6 on an amazon grocery order for soy free chocolate chips, sorghum flour, and chia seeds.  Frugal accomplishments for today: used amazon gift card from yesterday for majority of amazon order, cut DS2's hair, ate all meals and snacks out of the pantry/ freezer

10. thumb.gif  knit.gif  Planned food shopping list for Saturday, cut cloth wipes from upcycled flannel sheet and towels, DH picked up our bulk foods co-op order last night so I was able to make a loaf of gluten-free bread  for lunch and muffins for breakfast, also eating dinner at home, started taxes, opened windows in house to get some fresh air in (we're in a warm streak), took the end of the loaf of bread I made and set it aside to make gluten free bread crumbs

11.  irked.gif  DH made a pretty big purchase today.  We put it on our CC and will pay it off next month b/c it was a last minute, completely unbudgeted purchase.  Also bought some groceries.  Frugal accomplishments for today: wintersowed 5 containers (3 onions and 2 broccoli) using seed starting soil from last year and jugs I've been saving.

12. thumb.gif  Did our big, once-a-month grocery shop.  Apparently I wasn't paying as close attention when I made my list b/c I ended up buying quite a bit of duplicates of things we didn't really need, though they can go in the stockpile now.  We overspent our food budget by about $90, but I'm not sure how much of that is food cost increases, allergen free ingredients that are slightly more expensive, or a just a general need to increase the food budget that I don't want to come to terms with, lol.gif .

13. irked.gif  Had to pick up mailing labels for a project for DD1's troop.  It wasn't in the budget, but I told my co-leader I'd take care of it.

14. thumb.gif  Pack meeting pot luck at scouts, except it was "Bring your fave pizza from your fave pizza place" night.  Ugh, we can't have pizza now because of DS2's allergies, so I packed sandwiches on homemade gluten-free bread and made gluten free rice krispie treats for dessert.  Picked up 50lbs of potatoes on the way home ($17).

15. thumb.gif  knit.gif Set aside pieces from yesterday's bread loaves to use for breadcrumbs, finished cutting out rest of the upcycled baby wipes (over 6 dozen total, we totally need them, the wipes I'm using now are falling apart & some are approaching 8yrs old) hopefully I'll get them serged up tonight, made sure the hose/ siphon for the birth pool was clean, also started a crockpot full of chicken stock from 2 frozen carcasses

16. thumb.gif  knit.gif  Not going anywhere, no money should be spent.  We haven't seen the sun in about a week, we've had 3 days of rain, and we're all going stir crazy in this house.  Finished the 6 dozen cloth wipes, went through the wipe stash and pulled out the unusable ones, cut out the pieces to sew 2 wool pilot caps for the babe on the way

17. thumb.gif  knit.gif  Didn't leave the house, "they" were calling for snow (we've gotten none).  All meals eaten at home, DH worked from home so no gas usage, started sewing the wool pilot caps, started cutting some pocket inserts for DD3's Fuzzi Bunz (the ones we're using are falling apart).

18. irked.gif  knit.gif  $45 spent at Five Guys for dinner.  Frugal things for the day: cut more pocket inserts for DD3's diapers, finished some leftovers for lunch, DH worked from home

19. irked.gif  $40 spent at grocery store, not budgeted.  Going to try to work on serging pocket inserts and maybe some diapers for DD3.  Will get 2 loaves of bread rising before bed for lunch tomorrow and hopefully gather supplies up to make soap, deodorant, and lotion bars tomorrow, too.

20. irked.gif  knit.gif  Ugh.  $15 spent at store for new cheese grater, instant read thermometer, and a candy thermometer.  DD3 is sick, so I haven't gotten much sewing or fabric cutting going.  I *did* manage to make deodorant and our "boo boo lotion" yesterday.  Went to the hardware store for lye, but they were already closed eyesroll.gif

21. irked.gif  knit.gif  DH spent $6 at Chik Fil A for ice cream for the boys (there was some scheduling confusion w/ scouts and it ended up being canceled.  All the other parents took their kids to Chik Fil A for ice cream and playtime, DH felt like the boys would miss out if he didn't go), $18 spent at Lowe's fro more cinder blocks for our "overflow pantry" shelves that DH started setting up.  Soap is made, no lotion bars though b/c I realized I think my mom has the rest of the stash I previously made, I'll get them from her so I don't waste precious supplies on excess lotion bars.  Cut DS1 and DH's hair.  Made dinner at home, getting ready to start 2 loaves of bread for lunch tomorrow.

22.  thumb.gif  DS2 had a follow up allergist appointment today.  Breakfast was homemade muffins in the car on the way to the dr, lunch was sandwiches on homemade bread, dinner will be from the pantry and freezer.  Cut the soap and set it out to cure.  I'm not giving myself a Crafting Day yet, but I'm hoping to get some pocket dipe inserts done or maybe start knitting a pair of mittens for DD3.

23. irked.gif  I'm spending money in 30 minutes.  We're getting take out.  I have NO motivation to cook or even think about cooking.  I'm tired, I have a headache, and I'm so incredibly cranky.  I didn't get any crafting done last night, hopefully tonight I'll cast on for DD3's mittens, she desperately needs them.

 

 

14/ 20 No Spend Days

8/ 20 Crafting Days

 

This last half of the month has been terrible for spending for us.  I need to get back on the wagon.  Something needs to give in my motivation to stay on course.

post #409 of 485
Quote:
Originally Posted by FillingMyQuiver View Post

23. irked.gif  I'm spending money in 30 minutes.  We're getting take out.  I have NO motivation to cook or even think about cooking.  I'm tired, I have a headache, and I'm so incredibly cranky.

 

Ugh, here too. I set aside money for a lunch out tomorrow, but now I'm not going, so I may spend it tonight on dinner. And I don't even have being 9+ months pregnant as an excuse!

post #410 of 485

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   winky.gif Bought groceries

10   thumb.gif

11   greensad.gif   Went to mall with my sister bought myself lunch $10

12   thumb.gif  joy.gifBottled two dozen bottles of Kombucha & made two gallons of tea to brew more kombucha!

13  joy.gifGot free tickets to local theater!  Spent $14 on water & snacks greensad.gif

14   winky.gif  Picked up a few things from grocery store

15   winky.gif  Sending DH to the cheap grocery store today for a couple more things that will help to stretch the food that we already have!

16   winky.gif  Spent about $100 on Frontier Co-op, put $100 in savings account AND...PAID OFF FINAL CREDIT CARD FROM CHRISTMAS EXPENSES!!!! Yahoo!

The DR Debt Snowball method has served us well!  We have had many bumps in the road and hiccups along the way, we didn't give up using CC's all together & I just started reading DR's book this month!   

17   thumb.gif

18   thumb.gif

19   greensad.gif  Spent more than I should have on groceries, will limit to produce, and dairy for the rest of the monthjoy.gifMade a gallon of homemade yogurt for $3.50

20   greensad.gif  DH bought a subscription to Ancestry.com last year with his Christmas money, It just auto renewed!  $149

21  thumb.gif

22  thumb.gif

23  thumb.gif  Brought change to the coin machine at my bank $17.42!  Opened kids student bank accounts with 5% interest on up to $1000!  joy.gif

post #411 of 485

1/23

smile.gif Groceries $60.22

irked.gif Coffee drink $2.80

 

frugal things: The kids planted some seeds in the garden--lettuce, beets, carrots, onions. 

post #412 of 485

Almost ordered dinner in, but I managed to make it through with chicken apple sausage and salad I had DH pick up on the way home. Woohoo! I promised the kids lunch out at our favorite sushi place tomorrow though, so we'll be spending there, and I have some more library fines to pay and a book to mail. Should be back on track for Friday though...

 

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

1/8: irked.gif $40 on desk organizing supplies, $15 on pizza for dinner

1/9: yummy.gif irked.gif $42 on black loafers, $2 library fine

1/10: irked.gif $25 on lunch out

1/11: irked.gif $25 on bagels and lunch, $25 on pizza for 6

1/12: irked.gif $23 on Moe's for dinner

1/13: yummy.gif thumb.gif

1/14: yummy.gif thumb.gif

1/15: yummy.gif thumb.gif

1/16: irked.gif $6 library fines, $38 dinner at Panera

1/17: irked.gif $4 on gardening book, $7 on a quick lunch for starving kids

1/18: irked.gif $4 on hot dogs at Costco in between activities

1/19: yummy.gif thumb.gif

1/20: yummy.gif thumb.gif

1/21: yummy.gif thumb.gif

1/22: yummy.gif irked.gif $481 for three exams and two sets of frames and lenses at the eye doctor

1/23: yummy.gif thumb.gif

1/24: 

1/25: 

post #413 of 485
Quote:
Originally Posted by LoveOurBabies View Post


My month begins on the 15th of every month as that's pay day and we are paid monthly.

 

Any day where I spent on groceries and still come under my monthly allowance of $1000 is counted as a no spend day. For me, our groceries are right up there with mortgage and bills in the "essential" category.

 

 

Tuesday 15th January: $15 Flowers for neighbour, $225 Electric mincer irked.gif

 

Wednesday 16th January: No spend thumb.gif

 

Thursday 17th January: No spend thumb.gif

 

Friday 18th January: No spend thumb.gif

 

Saturday 19th January: $33 Lego on clearance irked.gif

 

Sunday 20th January: No spend thumb.gif

 

Monday 21st January: No spend thumb.gif

 

Tuesday 22nd January: No spend thumb.gif

 

Wednesday 23rd January: No spend thumb.gif

 

Thursday 24th January: $23.80 on burgers irked.gif

 

Thursday 24th January:

Well, I did it.. I got my 24 day long wish - Chicken burgers from McD's. I can't believe I gave in after I had bypassed it so many times and resisted!!! I'm sooooo disappointed with myself. greensad.gif I had 3 burgers and dh had 2 and we're both meant to be losing weight. I mean really, who has three burgers in a row and says they're on a diet? Ugh. I'm not doing well with this deprivation thing. We had such a low cal day yesterday that I felt like I was literally starving and begged dh to go out and get burgers at 2am. My entire days worth of cal's was 400 before the burgers. I'm exclusively breastfeeding a 9mo baby boy (he doesn't like solids) and I'm tired of the breastfeeding hungries! My tummy is rumbling all day. greensad.gif

 

$23.80 irked.gif irked.gif irked.gif Triple cranky face because it was unbudgeted, bad for our health and not conductive to my other goal of losing weight.

 

I'm going to pull this one out of the grocery budget instead of general savings, because I'll feel the sting a lot more this way. I think I'm also going to get some high cal foods I can throw into the oven for a quick midnight fix (I'll take it as lesson learned).

 

$428 / $1000 Grocery budget

$147.95 / $200 Gas budget

 

What I did today to save money:

Ate from home (apart from the burgers at 2am)

Soaked beans for tomorrow's dishes.

post #414 of 485
Quote:
Originally Posted by CookiePie View Post

 

23  thumb.gif  Brought change to the coin machine at my bank $17.42!  Opened kids student bank accounts with 5% interest on up to $1000!  joy.gif

!!!!!!!??????? You just inspired me to inquire at our bank.  5????? percent??????  Awesome!

post #415 of 485
Quote:
Originally Posted by FillingMyQuiver View Post

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.

9.  thumb.gif  $6 on an amazon grocery order for soy free chocolate chips, sorghum flour, and chia seeds.  Frugal accomplishments for today: used amazon gift card from yesterday for majority of amazon order, cut DS2's hair, ate all meals and snacks out of the pantry/ freezer

10. thumb.gif  knit.gif  Planned food shopping list for Saturday, cut cloth wipes from upcycled flannel sheet and towels, DH picked up our bulk foods co-op order last night so I was able to make a loaf of gluten-free bread  for lunch and muffins for breakfast, also eating dinner at home, started taxes, opened windows in house to get some fresh air in (we're in a warm streak), took the end of the loaf of bread I made and set it aside to make gluten free bread crumbs

11.  irked.gif  DH made a pretty big purchase today.  We put it on our CC and will pay it off next month b/c it was a last minute, completely unbudgeted purchase.  Also bought some groceries.  Frugal accomplishments for today: wintersowed 5 containers (3 onions and 2 broccoli) using seed starting soil from last year and jugs I've been saving.

12. thumb.gif  Did our big, once-a-month grocery shop.  Apparently I wasn't paying as close attention when I made my list b/c I ended up buying quite a bit of duplicates of things we didn't really need, though they can go in the stockpile now.  We overspent our food budget by about $90, but I'm not sure how much of that is food cost increases, allergen free ingredients that are slightly more expensive, or a just a general need to increase the food budget that I don't want to come to terms with, lol.gif .

13. irked.gif  Had to pick up mailing labels for a project for DD1's troop.  It wasn't in the budget, but I told my co-leader I'd take care of it.

14. thumb.gif  Pack meeting pot luck at scouts, except it was "Bring your fave pizza from your fave pizza place" night.  Ugh, we can't have pizza now because of DS2's allergies, so I packed sandwiches on homemade gluten-free bread and made gluten free rice krispie treats for dessert.  Picked up 50lbs of potatoes on the way home ($17).

15. thumb.gif  knit.gif Set aside pieces from yesterday's bread loaves to use for breadcrumbs, finished cutting out rest of the upcycled baby wipes (over 6 dozen total, we totally need them, the wipes I'm using now are falling apart & some are approaching 8yrs old) hopefully I'll get them serged up tonight, made sure the hose/ siphon for the birth pool was clean, also started a crockpot full of chicken stock from 2 frozen carcasses

16. thumb.gif  knit.gif  Not going anywhere, no money should be spent.  We haven't seen the sun in about a week, we've had 3 days of rain, and we're all going stir crazy in this house.  Finished the 6 dozen cloth wipes, went through the wipe stash and pulled out the unusable ones, cut out the pieces to sew 2 wool pilot caps for the babe on the way

17. thumb.gif  knit.gif  Didn't leave the house, "they" were calling for snow (we've gotten none).  All meals eaten at home, DH worked from home so no gas usage, started sewing the wool pilot caps, started cutting some pocket inserts for DD3's Fuzzi Bunz (the ones we're using are falling apart).

18. irked.gif  knit.gif  $45 spent at Five Guys for dinner.  Frugal things for the day: cut more pocket inserts for DD3's diapers, finished some leftovers for lunch, DH worked from home

19. irked.gif  $40 spent at grocery store, not budgeted.  Going to try to work on serging pocket inserts and maybe some diapers for DD3.  Will get 2 loaves of bread rising before bed for lunch tomorrow and hopefully gather supplies up to make soap, deodorant, and lotion bars tomorrow, too.

20. irked.gif  knit.gif  Ugh.  $15 spent at store for new cheese grater, instant read thermometer, and a candy thermometer.  DD3 is sick, so I haven't gotten much sewing or fabric cutting going.  I *did* manage to make deodorant and our "boo boo lotion" yesterday.  Went to the hardware store for lye, but they were already closed eyesroll.gif

21. irked.gif  knit.gif  DH spent $6 at Chik Fil A for ice cream for the boys (there was some scheduling confusion w/ scouts and it ended up being canceled.  All the other parents took their kids to Chik Fil A for ice cream and playtime, DH felt like the boys would miss out if he didn't go), $18 spent at Lowe's fro more cinder blocks for our "overflow pantry" shelves that DH started setting up.  Soap is made, no lotion bars though b/c I realized I think my mom has the rest of the stash I previously made, I'll get them from her so I don't waste precious supplies on excess lotion bars.  Cut DS1 and DH's hair.  Made dinner at home, getting ready to start 2 loaves of bread for lunch tomorrow.

22.  thumb.gif  DS2 had a follow up allergist appointment today.  Breakfast was homemade muffins in the car on the way to the dr, lunch was sandwiches on homemade bread, dinner will be from the pantry and freezer.  Cut the soap and set it out to cure.  I'm not giving myself a Crafting Day yet, but I'm hoping to get some pocket dipe inserts done or maybe start knitting a pair of mittens for DD3.

23. irked.gif  I'm spending money in 30 minutes.  We're getting take out.  I have NO motivation to cook or even think about cooking.  I'm tired, I have a headache, and I'm so incredibly cranky.  I didn't get any crafting done last night, hopefully tonight I'll cast on for DD3's mittens, she desperately needs them.

 

 

14/ 20 No Spend Days

8/ 20 Crafting Days

 

This last half of the month has been terrible for spending for us.  I need to get back on the wagon.  Something needs to give in my motivation to stay on course.

 

You poor thing greensad.gif I can't imagine what it must be like to look after 6 little ones (including the one in your belly)! I'm having more than enough trouble with four little ones. Hope you feel better soon mama. 

post #416 of 485

Having no money in the bank makes these no-spend challenges a breeze! 

 

Trying to put a positive spin on things....   2whistle.gif

 

 

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

My Goal = 15 thumb.gif No-Spend days

 

My progress = 18 No-spend day so far  joy.gif

 

01..  $258 cross-country ski club 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..  thumb.gif

10..  thumb.gif

11..  thumb.gif

12..  thumb.gif

13..  thumb.gif

14..  thumb.gif

15..  thumb.gif

16..  $6 McDonald's

17..  $8 Buddhism book for Mothers

18..  thumb.gif

19..  $19 Music

20..  $26 stuffed elephant

21   thumb.gif

22   thumb.gif

23   thumb.gif

24   thumb.gif

25

26

27

28

29

30

31

post #417 of 485

Not sure what is happening MDC  I'm getting multiple posts form 1 post!!!!


Edited by CookiePie - 1/24/13 at 9:37am
post #418 of 485

dupe post!

post #419 of 485

I have no clue how I got multiple posts!!!

post #420 of 485
Quote:
Originally Posted by SweetSilver View Post

!!!!!!!??????? You just inspired me to inquire at our bank.  5????? percent??????  Awesome!


Yes we switched the kids accounts from the credit union to my friends bank (she told me about the students savings club at the %5 rate).  It was for students between the ages of 5-21, the rate is on up to $1000, after that regular crappy rate applies.  They gave free piggy banks to the kids and welcomed the to use the coin machine.  They also told us about $10 incentive that they usually offer for a summer reading challenge!  We will be looking for that this summer!  It might be worth calling around to see if any local banks offer something similar!  We kept the minimum $5 balance in both kids credit unions because we didn't want to close those accounts.  They do offer great loan rates and free checking & I though it was wise to keep them open!

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