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post #41 of 234
Quote:
Originally Posted by Ruthiegirl View Post
 

My family has made a huge life change, sold most everything and moved across the country to our dream town.  We plan to buy a house next Summer and are saving for a down payment.

 

Oh wow, what a bold move! That's amazing. Are you blogging or posting about it anywhere? I'd love to hear more about your experiences.

 

Quote:
Originally Posted by SweetSilver View Post
 

 

September was worse than I'd imagined it would be-- vacuum cleaner to replace, dead, squashed-by-the-belt mouse in the dash (there's another one in there, unfortunately--I can smell it, but I can't commit another $70 to fish it out.  I desperately need to figure out how to do that myself) speeding tickets, fall coats replacing perfectly good but lost ones (and consignment stores carry nothing over size 6-7!!).  AACK!  Birthday season continues full blast, holiday work is not coming in, gardening work is going out, utilities are going up and income is plummeting.

 

yikes2.gif  Hugs, mama. That's a rough month. 

post #42 of 234

No Spend - :thumb
Budgeted Spending - :D

Un-Budgeted Spending - :irked

 

Oct 1 - :irked - DH Spent $30 for a music downloading program... :/ 

Oct 2- :D - Spent $30 on two apple trees though an amazing program in our city (they will be planted Dec 7th)! And $5 on open Gym.

Oct 3-  :D - Went out to dinner ($45) because my mom is in town, for now I'm going to call that budgeted, because we are doing great on groceries, If we go over our grocery budget at the end of the month well then.. We'll see when we get there. Also paid garbage bill and mortgage, waiting for those to clear. 

Oct 4- :D Found great deal on compost and started a winter garden, cooked dinner for my extend family so we didn't need to eat out! 100$ on Groceries

Oct 5 - :irked My mom dragged me out to a bar... I made dinner for everyone, before but still felt like I should buy a drink. $4 for a beer! 0.0 I took it out of our grocery envelope and I'll try to save enough to make up for the $10 I spent total.
 

Three more days of mom in town.... I know there will be more spending and eating out. This is a really hard way to start!!!

post #43 of 234

Starting myself off...

 

Key: 

No unplanned/unbudgeted spending: thumb.gif

Unbudgeted spending: irked.gif

Ate at home all day: yummy.gif

Did something mindfully frugal: orngbiggrin.gif

----------------------

No-unbudgeted-spending days: 0/25

Mindfully frugal days: 0/25

 

 

10/6: irked.gif Blew it already today--bought two dresses for my DDs ($59). We have a budget category for clothing, and they will definitely get a lot of wear, but still. I'll also need to buy a few groceries, but that's just part of the grocery budget. (ETA: Ended up being $45 for groceries, and I shouldn't need to go again until next weekend.)

10/7:

10/8:

10/9:

10/10:


Edited by melissel - 10/6/13 at 6:20pm
post #44 of 234
Thread Starter 
:thumb No spend/budgeted spending

nono.gif Un-budgeted spending

 

October 1 -- :thumb

October 2 -- :thumb

October 3 -- :thumb  12.22 snacks for soccer team

October 4 -- :thumb 169.00 new windshield for van, nono.gif 21.00 taxi, nono.gif 5.00 snacks

October 5 -- :thumb 61.00 few groceries, laundry detergent, tp, will need a few more things for this upcoming week

October 6 -- :thumb 40.07 gas for van

October 7

October 8

October 9

October 10

October 11


Edited by Ruthiegirl - 10/6/13 at 7:39pm
post #45 of 234
Thread Starter 
Quote:
Originally Posted by melissel View Post
 

 

Oh wow, what a bold move! That's amazing. Are you blogging or posting about it anywhere? I'd love to hear more about your experiences.

 

 

 

Oh gosh, no.  I am not a blogger.  I think I lack the blogger spark.  I would be super committed for like 3 posts and then let it die. 

 

Our story is simple -- after 10 years of living in a less than ideal place, we had had enough.  Dh had been scouting for a job in a better place and he finally landed it.  So, when the chance came, we jumped.  And we have never been happier. 

 

We lost some money when we sold our house.  We were lucky to sell at all.  So, we are taking these next few years to absorb the financial loss and rebuild our cash.  We live in a small apartment, eat at home, ride our bikes as much as possible and try to save at least 25% of our income with a goal of saving 50%.  It means we do a lot of cheap stuff and I am a regular in the No Spend challenges.  Really, the less I spend, the more we save and the sooner we can get a place of our own. 

post #46 of 234

1.  :Sheepish :treehugger  Unbudgeted but necessary, DH stopped at WM for half and half, pasta, and canning jars.  Canned 13 quarts of applesauce and used the peels and cores to start 5, 1/2 gallon jars of apple scrap vinegar.

2.  :thumb

3.  :thumb

4.  :thumb

5.  :thumb  :treehugger  DD1 had a bake sale today, made oatmeal raisin cookies b/c I had all the ingredients on hand.  Stopped at a local orchard that sells apple seconds by the bushel.  Got 7 bushels of apples for $70, that's $10 a bushel or less than 25c/ lb!!!  Also picked up pumpkins for the kids to paint for fall and for roasting and pureeing.  Broke down 4 pumpkins and got 18 cups of puree for future baking.

6.  :Sheepish  :treehugger  Picked up more quart size canning jars for applesauce.  Starting canning applesauce.

post #47 of 234
Quote:
Originally Posted by Ruthiegirl View Post
 

 

 

Oh gosh, no.  I am not a blogger.  I think I lack the blogger spark.  I would be super committed for like 3 posts and then let it die. 

 

Our story is simple -- after 10 years of living in a less than ideal place, we had had enough.  Dh had been scouting for a job in a better place and he finally landed it.  So, when the chance came, we jumped.  And we have never been happier. 

 

We lost some money when we sold our house.  We were lucky to sell at all.  So, we are taking these next few years to absorb the financial loss and rebuild our cash.  We live in a small apartment, eat at home, ride our bikes as much as possible and try to save at least 25% of our income with a goal of saving 50%.  It means we do a lot of cheap stuff and I am a regular in the No Spend challenges.  Really, the less I spend, the more we save and the sooner we can get a place of our own. 

 

Good for you guys! I would love to make some kind of sweeping, bold move like that. Neither DH nor I really love where we live right now, but DH is content, and he won't move any farther from family, which keeps us in a very high COL area. Because of that, we're stuck in a deteriorating, blah house in a deteriorating, blah neighborhood in the most boring, blah town ever, and we don't have much left over to fix any of that! I'll admit, your post had me on Realtor.com last night :laugh Then I decided it would cost too much to move, and maybe instead I'll make my financial goal (assuming DH keeps his job) to improve the heck out of this place. What I wouldn't give for a real second floor though *sigh*

 

Anyway, thanks for sharing your story. It was very inspiring! 

post #48 of 234
Quote:
Originally Posted by SweetSilver View Post
 

My youngest has been like this too, since forever.  On the flip side, she plays with everything.  I used to plant little bits and bobs in plain view (instead of throwing them in the trash) just to see what she could come up with.  I was never disappointed.  The girls make paper dolls from clothing catalogs, and for a couple of weeks, dd2 was stuffing them into a tiny plastic cap from a spray bottle and pulling them out to be born.  Anything stringish became animal leashes.  The hardest one was the plastic shard from a broken Risk box (I did not set that one out), the new set that has the little men and horses.  I forget why it was part of her game, but she bawled on and off for days when I thought she was finally done with it and threw it away.

 

Thanks for the perspective!  I think I just need to take a step back and appreciate her creativity ;)

 

10/1 - :thumb planned spending $37 :irked unplanned spending $20 wine and sugar-filled things (I blame it on PMS!)

10/2 - :thumb planned spending $5 coffee, $68 groceries, $107 Costco, $140 REI, $72 DD's bday present

10/3 - :love no spend

10/4 - :love no spend

10/5 - :love no spend

10/6 - :love no spend

 

Today is going to be a spending day, but for a good cause--I listed 4 books on Amazon yesterday morning and 2 of them sold already, so I need to ship them out.  It's not really money out of my pocket in the long run, but it is today.  Yesterday we went to the local historical museum, which I've been meaning to check out for quite some time now and I'm really glad we finally made it over there!  There are 2 working farms there--one from the 1860s and another from the 1890s...super cool stuff!  They also have a ton of free little seasonal events that we must hit up.  Super excited we live pretty close to this place! :)

post #49 of 234

No Spend - :thumb
Budgeted Spending - :D

Un-Budgeted Spending - :irked

 

Oct 1 - :irked - DH Spent $30 for a music downloading program... :/ 

Oct 2- :D - Spent $30 on two apple trees though an amazing program in our city (they will be planted Dec 7th)! And $5 on open Gym.

Oct 3-  :D - Went out to dinner ($45) because my mom is in town, for now I'm going to call that budgeted, because we are doing great on groceries, If we go over our grocery budget at the end of the month well then.. We'll see when we get there. Also paid garbage bill and mortgage, waiting for those to clear. 

Oct 4- :D Found great deal on compost and started a winter garden, cooked dinner for my extend family so we didn't need to eat out! 100$ on Groceries

Oct 5 - :irked My mom dragged me out to a bar... I made dinner for everyone, before but still felt like I should buy a drink. $4 for a beer! 0.0 I took it out of our grocery envelope and I'll try to save enough to make up for the $10 I spent total.

Oct - :D Ate out again, but it was cheep enough to come out of the food budget. My tummy wasn't happy though... Hoping Wednesday (the day my mom leaves!) is no spend! 

post #50 of 234
Thread Starter 

Well, after all of my talk about spending less, dh and I went out for a cup of tea this morning.   Dh is really pushing for it.  He knows that I have been stretched thin with a clingy 2 year old and kids and his crazy, crazy work schedule.  So, he is trying to be sweet and make time to go out for a short date, but we bring the toddler with us, so it ends up being a hectic awful 20 minutes of me chasing around the little one only to have a hot cup of tea spilled in my lap.  I go home more tired, burned and a little ticked off about spending silly money.  But it is sweet of him, right? 

 

 

 

:thumb No spend/budgeted spending

nono.gif Un-budgeted spending

 

October 1 -- :thumb

October 2 -- :thumb

October 3 -- :thumb  12.22 snacks for soccer team

October 4 -- :thumb 169.00 new windshield for van, nono.gif 21.00 taxi, nono.gif 5.00 snacks

October 5 -- :thumb 61.00 few groceries, laundry detergent, tp, will need a few more things for this upcoming week

October 6 -- :thumb 40.07 gas for van

October 7 -- nono.gif 5.50 tea with dh

October 8

October 9

October 10

October 11

post #51 of 234

I'm totally in! Last month I spent an un-godly amount of money (with horseback riding payments, gymnastics, doctors and I loaned my brother a bit of money because he's expecting a baby/had a car accident that cost them their only car..) We had to take out of savings, so I'm hoping for a simple October of less-spending! 

 

Anyway I'm mum to two little babes, we are unschoolers (sort of), we live on a little farm but our garden didn't feed us more than the season (very little leftover). My goal is to stay out of stores, because if I go in I almost always walk away with things we don't need...so besides homeschool adventures and playdates and a few special outings (pumpkin picking, bake sale) I'm going to not shop! 

 

October 7 - Did okay today. Only bought my inhaler and gas (both I needed) Did go into the bookstore and pick up two Halloween sticker books because it was rainy and I knew they would love them. Used a coupon I had + my Barnes and Noble card which made it under $10. 

 

October 8 - NO SPENDING! Woo hoo. 

October 9th - bought breakfast out for kids + bought Halloween sticker books (little out of budget) 

October 10th - bought bagel + coffee (3$, don't count that) 

October 11th - the day is young! I plan on going to the diner for breakfast but no other spending (diner is in budget) 

UPDATE: On the 11th we had to pay doctors bill which was expensive! 

October 12th - Bad day : ( I posted again on this board earlier I had a set amount of money for Waldorf fair, but I splurged and bought a root children needle felted piece of art for the playroom, and on the way home we stopped at the food coop and I bought snacks + dinner for kiddos because it was so late! Over $100 :/ Going to make up for it, by keeping the week simple at home 


Edited by mommariffic - 10/13/13 at 5:15am
post #52 of 234

10/1 - :thumb planned spending $37 :irked unplanned spending $20 wine and sugar-filled things (I blame it on PMS!)

10/2 - :thumb planned spending $5 coffee, $68 groceries, $107 Costco, $140 REI, $72 DD's bday present

10/3 - :love no spend

10/4 - :love no spend

10/5 - :love no spend

10/6 - :love no spend

10/7 - :thumb planned spending $9 postage

 

The postage cost was for books sold on amazon, so I'll be getting that back when amazon transfers that money to my account.  I almost went to Boulder today, where I definitely would have spent money.  Instead, I decided to go for a hike, which was a much better choice!  I almost decided to stop for coffee, but convinced myself that was a bad idea (because I'm trying to go to bed by 9:30 during the week) and I almost stopped to get a kombucha, but decided to make a smoothie at home instead.  Yay for rational, logical thought instead of impulsiveness! :)

post #53 of 234

 

Key: 

No unplanned/unbudgeted spending: thumb.gif

Unbudgeted spending: irked.gif

Ate at home all day: yummy.gif

Did something mindfully frugal: orngbiggrin.gif

----------------------

No-unbudgeted-spending days: 1/25

Mindfully frugal days: 0/25

 

 

10/6: irked.gif Dresses for girls: $59; Groceries: $45

10/7: thumb.gif yummy.gif

10/8:

10/9:

10/10:

 

(I cannot get rid of that gray bar headscratch.gif)

post #54 of 234

1  :D Groceries/budgeted spending.

2  demon.gif Minor unbudgeted spending (burp).

3  :D:D  No spend.  Only using a double-dude system instead of 3-- it was skewing the balance of happy dudes to devil dudes.

4  demon.gif Minor unbudgeted spending/coffee

5  :D  Groceries and dh's birthday present.

6  demon.gifdemon.gif  Really shouldn't have

7  :D:D  No spend

8  demon.gifdemon.gif  Really shouldn't have

 

Yesterday I thought we were just going in to the doctors.  DD1 has been coughing and catching her breath.  Turned out to be allergies, not complications from last week's illness.  But off to the pharmacy, off to Burgerville to wait for the pharmacy (so yummy, but after yesterday, really really should not have).  I did find dd2's last bday present on line--a green schleich dragon that the stores had sold out on clearance.  It was her "anchor" present, and I didn't want to let that one slide unless I had no choice.  Amazon still had it in stock.

 

So, I'm done for that birthday.  Hopefully the next week will be better, because this has been dismal.  Still, haven't been paying for gymnastics, so that's 180 bucks a month I'm not spending.  Retreating to craigslist to post my housekeeping ad.  I hate craigslist.  Impatient, cheap-ass people (sorry if I offend).  No luck with applications and one store I applied to is suddenly hiring to replace union workers in a walkout.  Mmmm.... don't think so.  Not that desperate.  Yet.

post #55 of 234

nono.gif Unnecessary, shake.gif Unbudgeted,  :innocent Budgeted, :Peace No spend

 

Oct 1: :Peace

Oct 2: shake.gif Ran out of some ingredients, $30. Tried drain cleaner to fix plumbing, $10

Oct 3: :Peace

Oct 4: :Peace

Oct 5: shake.gif No food or transportation, Burger King $9

Oct 6: :innocent Groceries, $10 over but stocked up on frozen veg, bought dog food

Oct 7: :Peace Only paid the bills

 

Augering and a hose bladder thing improved the drain a lot but it's a bit slow still. We will see. Roto rooter says $200 if they come out.

post #56 of 234

a. Who you are

 

I'm Becky. I'm in the middle of a career change and am currently unemployed. I have two kids, age 10 and 7 and am married. I'm a graduate student working to get my Masters and my teaching certificate. I made a pretty decent wage before, when I was working. However, almost 4 months of no income and a slower than it should have been adjustment to our new finances has left our savings completely depleted.

 

b. Where you are going (your financial goals) and

 

I finally got my first unemployment check today. However, in order to survive on unemployment we really have to stick to the budget. The immediate goal is to get some money back into savings. 

 

c. How you plan to get there

 

My husband took the on-call phone for 2 weeks and he'll have it again for another week later this month. That should get us some money back into savings as long as we stick to the budget. Then if we stick to the budget from there on our we should slowly and painfully be able to build the savings a bit more in $10s and $20s. However, until he gets that check on the 15th we are completely out of money so no-spend days aren't really optional.

 

In order to stick to the budget we have to restrict ourselves to 1 shopping trip a week with a shopping list, no unnecessary out of town trips, and no eating out.

 

10/1 - :loveeyes Planned spending - Groceries and lunch with a friend. Should have watched our money and not scheduled the lunch, but still it was planned.

10/2 - :loveeyes Planned spending

10/3 - duh.gif Got my husbands check and got a bit too complacent having money again.

10/4 -   duh.gif Magazine subsriptions auto renewal I forgot about

10/5  -   :loveeyes Planned trip out of town got canceled. So used the planned gas money on some new jeans for the kids at the second hand store as well as some stuff to embellish and patch the hand-me-down jeans that little girl grew into. It turned really cold and little girl only had one pair of jeans without a hole in them, and big boy only had two pairs of pants at all. duh.gif Forgot to budget for a Birthday present for my son's best friend.

10/6 - :clapNo spending, but only because I was out of money

10/7 -duh.gif Found some cash in my wallet, which was a blessing since my son remembered a project at school due the next day and I had to get supplies.

10/8 -  :loveeyes  Finally got my first unemployment check. I got groceries and filled both vehicles with gas and now I have $4 left until the 15th. So there isn't an option but for the next 6 days to be no-spend days. Really bummed because I promised my son a new book for finishing up two big projects at school and I'm going to have to renege on my promise. Tried to cancel a test I had scheduled and it turned out I don't need scheduled for Friday. Instructions said 50% refund if canceled within 3 days of test. Turns out once I cancelled I got the fine print that said that they don't count the day of cancelation or the test day so you really have to cancel 5 days before the test. So mad at myself for procrastinating on canceling due to some misplaced pride. 


Edited by JollyGG - 10/8/13 at 11:28am
post #57 of 234
Quote:
Originally Posted by Gooseberry View Post
 

peace.gif= No Spend

:innocent = Budgeted Spending

shake.gif = Necessary But Painful

nono.gif = Un-budgeted Spending

 

October 1 - :innocent gas

 

I love the addition of the necessary but painful option.

post #58 of 234
Thread Starter 

Did some more grocery shopping yesterday.  Grocery budget remaining for the month...$758.62.  This seems like a lot, I know, but I am feeding 6 hungry people.   Today is looking like a no spend kind of day. 

 

:thumb No spend/budgeted spending

nono.gif Un-budgeted spending

 

October 1 -- :thumb

October 2 -- :thumb

October 3 -- :thumb  12.22 snacks for soccer team

October 4 -- :thumb 169.00 new windshield for van, nono.gif 21.00 taxi, nono.gif 5.00 snacks

October 5 -- :thumb 61.00 few groceries, laundry detergent, tp, will need a few more things for this upcoming week

October 6 -- :thumb 40.07 gas for van

October 7 -- nono.gif 5.50 tea with dh, :thumb 67.18 groceries, mostly meat and fruit for lunches. 

October 8 -- :thumb

October 9

October 10

October 11

post #59 of 234
Quote:
Originally Posted by JollyGG View Post
 

 

I love the addition of the necessary but painful option.

 

Thanks!

post #60 of 234

peace.gif= No Spend

:innocent = Budgeted Spending

shake.gif = Necessary But Painful

nono.gif = Un-budgeted Spending

 

October 1 - :innocent Gas

October 2 - peace.gif

October 3 - :innocent Purse change purchase

October 4 - :innocent Special beers for hubby's B-day

October 5 - shake.gif The grocery bill was higher this week.  It had to be, because hubby's only gifts really this year for his B-day are special meals. 

October 6 - :innocent Forgotten groceries - but I rode my bike and saved some gas!

October 7 - peace.gif

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