or Connect
Mothering › Mothering Forums › Natural Living › The Mindful Home › Frugality & Finances › September No-Spend Challenge: We're in the home stretch! Stay Strong Finish with us
New Posts  All Forums:Forum Nav:

September No-Spend Challenge: We're in the home stretch! Stay Strong Finish with us - Page 5

post #81 of 1358
Quote:
Originally Posted by imnotsupernanny View Post
Is there any way you could better set yourself up for success today?

My biggest thing is take out pizza! If I take a look at my credit card bills from the past year sadly it's mostly pizaa!
One of my big things is padding the shopping cart... I start with my list and then think, "Gee, what else shall I get while I'm here?" and it adds up quickly! Especially if I decide that I need a little snack, or to buy lunch, or a juice, or a latte. I can easily spend $15-20 picking up the $3 item that i actually needed to begin with!

Drugstore.com shopping is another one! For example, right now I'm out of borage seed oil. I could order it from D.com (where my credit card info is conveniently stored) and I KNOW that I would round the order up so that I could get free shipping. So then I wind up with $50 worth of stuff, only a portion of which I actually needed right that minute. I fall into that trap with Amazon orders too.

I'm trying to really strategize about 1) what I need and how soon I really need it and 2) what is the least expensive place/format to get it in. I just discovered that I can get twice as much stevia if I get a bottle of the powder instead of the ready-to-use paper packets.
post #82 of 1358
Well, The struggles begin! I have shut down my Diaperswappers window twice already!! AHH..At least I have shut it down and not bought anything!! I am off to study..I am beginning to work towards my Lactation Educators certificate, so that will hopefully distract me for a while
post #83 of 1358
Well today is the first day. I have the $200 saved from this last week's leftovers that I already reported. I plan to save all the money I make this weekend too. So for tonight I had $95.75 more.

Day 1: $295.75 saved
I'll report any spending today later.
post #84 of 1358

Here we go!

I ended last month by making a space for all of my bills to be filed, including the cc statements, so that I can begin to make a realistic budget. While looking over the statements, I realized that most of what I buy is food while out working. I drive from job to job and pick up stuff on the way. Horrifying! So, I bought an insulated lunchbox (clearance $2.00) and went to the store and purchased food that is packable for everyone. Last night was the first time that partner & I went to the store and didn't argue about the grocery bill! Amazing! Huge advantage seems to be going after our Friday dinner out night; kids are full and don't put so much crap in the cart and there was no one there! September is going to go well. DS is actually happy packing lunch, especially when he saw what the school is passing off as food!

Money is security...not things...I am happy with the time I have at home...they want me, not more things...no target or landsend.com...
post #85 of 1358
I'm baby-stepping my way through this challenge, so my goal today is to spend nothing. Our big trip out will be to a larger city library to get cards. The town where I live is really small and the library is terrible. Luckily there is a large city just to the south of us where we are eligible for cards. Best thing: they don't charge late fees for their items! My biggest weakness with returning things is the late charges, so that's really good for me.

If I spend nothing today, that will add $36 into my budget for the future. I'm planning a big shopping trip on Monday, so I need to save up for it this weekend.

My strategy for Monday is to take cash to the store and leave all credit/debit cards at home.
post #86 of 1358
Are all of you tracking but no-spending and saving?? Or just no spending? Since one of my goals is to increase my savings, I was thinking of tracking that also..
post #87 of 1358
Okay can I come here to vent scream yell or whatever.

In the month of August my cuisnart grind and brew the grind function stopped working. I love my coffee maker its one of my few indulgences. Same day my blender cracked. It looks like I need to just buy a new one. Its 20 years old. My dryer died two days ago. Not only did it die it took 1/2 a load of the babies clothes. They caught fire and burned. The dryer was not fixable. I bought the parts before dh took it apart and to return the parts we have to pay 20% restocking fee, sigh. So we had to buy a new dryer, which I was not in the market for. Dh wanted to buy a $20 used one but I am not willing to take the chance with it burning a load of clothes. Besides I do not think its bad that we have had 2 dryers in 18 years and the first one was used. So anyway I am really trying to get my house decluttered. I am neat freak but we just had a year from Hell and one of the things we did not do is throw things out. I try to do it every 6 months. Okay my point is, the vacuum cleaner died. Dh worked and worked on it. I have all carpet. I have no money for a new one. I cannot live without a vacuum cleaner. Value Village is having a 50% off sale on Monday so maybe I can find one there.
post #88 of 1358
Heidi, that is a lot of stuff that died on you at once . I can't imagine how frustrated you are right now!

mumkenna&lucas, you can track spending, saving, whatever works for you. I think we all do it a bit different according to our goals.

I will have spent about $22 of my allotted dipe money today, found some deals on dipes to try. I'm going to wait until I get these and see what we like before I buy more.
post #89 of 1358
Quote:
Originally Posted by mum4boys View Post
In the month of August my cuisnart grind and brew the grind function stopped working. I love my coffee maker its one of my few indulgences.
Our Cuisinart grind & brew stopped grinding too! Weird! Don't lose heart, though. We ground our beans with the little electric grinder for about a week and then found that the grind function was working again. So maybe it just needed a vacation... It might not last, but was a nice reprieve.

Sorry about your mass appliance death. Things like that always seem to happen just when you think you have it all figured out.
post #90 of 1358
Oh I forgot to add my little mini blender thing died too. That one cost me $1.00 at the dollar store and I used it almost daily for 3-years. I would make mock lattes with it and whip the boys' hot chocolate.

SIGH, this too shall pass right?

I keep on checking the grinding option to see if its working not such luck. So I do have a little grinder every night I grind my beans and then set it up.
post #91 of 1358
1. Please introduce yourself and tell us anything you think it would help us to know about yourself.

My name is Shelley, married to Jason, Mama of three. We homeschool, and I just became a sahm without an at home job for the first time ever! (OK mostly SAHM, when my older two are at their dad's for visitation I clock in a few hours at my family biz - like 28 a month)

2. Please tell us why you have decided to spend nothing (or spend significantly less) for the Month of September. Memorize these goals and recite them to yourself before all purchases.
We are foregoing that income I had with a customer service from home job I had (awesome wahm op, but it was killing my kids) in order for me to focus more on them, make homeschooling a better experience, and be there for my newest little one. I need to seriously get my spending in check, as I am the spender, hubby is pretty frugal. If I want to be able to continue sahm I need to make it happen by not needing more of hubby's income to go to groceries etc. I will have a little bit coming in from said family biz, and child support (piddly, but still)
That will need to cover
~Most groceries, hubby has always gone out and bought meat on sale, beer and wine, stuff for his lunches. I am meal planning, bulk freezing etc, but I don't feel it's necessary to take over what he always has done.
~Gas for the van. I need to plan our outings. On the one hand, getting out of the house to the library, homeschooling events, etc are free and a necessity but I need to plan our days better to maximize the gas usage. For the budget AND the environment.
~skate days, homeschooling stuff, etc. Larger outings like once a month I will either budget in or get funds from hubby for, but I want to PLAN for them, instead of charging something that comes up at the last minute.

3. No spending is hard work. You need a plan. Please tell us your game plan -- how do you plan to approach no spending for a month?
~BUDGET. Meals, school stuff, christmas, etc. I don't plan that's my problem.
~Get as involved as possible with free or very cheap school activities. Library, Girl Scouts will be gearing up again, DS1 has been gifted some Kindermusic classes from MIL, DD is taking Ballet. Go to these things instead of the resale shop, lol.
~Take lunches to said activities. Out to lunch two times in sept, that's it.
~When wanting to go out, remind myself that we go out every monday with inlaws, for free. We eat at my parents usually 2 times a week for free, because we are a very close family. Cooking at home 3-4 times a week is a luxury, replenishing, and good for our souls. We don't need to go out to lunch!

Exceptions, allowable planned expenses.

Right now I have quite a bit more than what my monthy budget will be. I want to keep a cushion in the account but I also will spend the following this month while I have money.

~Curriculum for the kids. We are reaaaly relaxed schoolers, kind of unchoolers, but I want to get the core Sonlight curriculum for them as they are some amazing books. I will buy used for around $100-125
~Yarns to start my Etsy store. I dye, spin, etc, etc. I have birthday money that will fund the start of my store. All my personal yarny purchases will need to come out of profits from this. $100-200 depending on Birthday money
~Possibly a small Ikea trip for some storage bins, organizing stuff for the kids rooms and some various home things. Again, birthday monies $50
~ A few other things but I will be trading or selling stuff here to fund them.

~Oh, one more. DH and I want to go out one time on a date! For a combined anniversary/my birthday night. (All were in August, but he in a landscaper and August is incredibly busy for him.)



Whew! More later, gotta head to the store to work.
post #92 of 1358
Oh Heidi, so sorry about all the appliances. It seems like when it rains it pours with this stuff. We had a similar issue with car repairs in the last few months.

Well, today is the first day of September and off to a good start. Haven't been anywhere today so haven't spent any money yet. I hope to head over the the dollar store later with a small list and not buy anything else. Spent the morning sorting the girls clothes and getting all the small/summer stuff put away and the fall stuff into the drawers. Not done, but on my way. I am also in the process of making a quadruple size batch of pasta sauce with the 4 million tomatoes from our garden. Going to have some for dinner tonight and then freeze the rest. Other plans for this weekend include making up a meal plan and grocery list for the month and some more decluttering if I have time. I figure all these activities will keep me at home AND off the computer.

Well gotta run and get lunch.

Good luck everyone!!!!
post #93 of 1358
Well, it's the first day and I'm already being challenged! I heard about this amazing farmer's market. They have organic fruits and veggies, grass fed beef, misc "exotic" meats like bison and duck, fine cheese and pastries. DH and I are going this afternoon for the first time ever. I'm worried (and hopeful ) that it's going to be so amazing that I won't be able to help myself.

If I am going to splurge, this would be the place for it though, right? And, I did say that I have a:

Quote:
~Goal of $175 or less for groceries this month
So I can take money from there.

To cut back on crazy spending, I will make sure I'm not hungry before I leave home. And only take $40-60 cash. And take plenty of business cards so that I can buy later once I've thought about whether it makes sense or not.

Oh yeah, remember how I said:
Quote:
~I might need t shirts. It's getting cooler out and I realized I have mostly tank tops! So I might take a trip to a thrift shop. No buying new.
Well, due to an unfortunate bleaching incident, I've lost 2 of my favourite T shirts. It was so sad. I wasn't even using the bleach in the laundry, it was sitting on the washer and fell upside down into the hamper, dripping bleach onto 2 shirts. I loved those shirts. And yes, I know, bleach is bad. I'm weaning myself off from it.
post #94 of 1358
Ok. I made it through July ok, and kinda went crazy in August... I'm gonna try it again for September!

The necessities~
* Gas for my car (and I manage to go to work and school and only have to fill up once a month! boo-yah!!!)
* Uh....heh. That's about it! Well maybe Jamba Juice for lunch here and there ($4 a week at most).
post #95 of 1358
My main reason for doing the no spend challenge is to save money. Right now we have something specific we are saving for so for me I'm recording my spending and my saving. I think if I record how much I've managed to save it'll help me see how close I am getting to my goal and how I DON'T need to spend the money!
post #96 of 1358
We're starting an experiment today, to see how much we can keep from spending without feeling deprived.

Quote:
Well, due to an unfortunate bleaching incident, I've lost 2 of my favourite T shirts. It was so sad. I wasn't even using the bleach in the laundry, it was sitting on the washer and fell upside down into the hamper, dripping bleach onto 2 shirts. I loved those shirts. And yes, I know, bleach is bad. I'm weaning myself off from it.
How about dying them? Dye costs less than new shirts. Or, tie-dying to camouflage the spots!
post #97 of 1358
Quote:
Originally Posted by Crunchy*VT*Mom View Post
1. Please introduce yourself and tell us anything you think it would help us to know about yourself.

2. Please tell us why you have decided to spend nothing (or spend significantly less) for the Month of September. Memorize these goals and recite them to yourself before all purchases.

3. No spending is hard work. You need a plan. Please tell us your game plan -- how do you plan to approach no spending for a month?
1. I'm Dianna, in Kentucky. I'm a part-time WOHM (I'm an ER nurse!) I have my 2 beautiful girls, Abby (12) and Rachel (soon to be 17months) I'm happily married to DH, Brett, who is in real estate. (can you say .. irregular income!)

2. I am T-I-R-E-D of being worried about money! :
I want my car paid off -- about $3K
I want a cushion in the bank --DONE (1000 baby emergency fund)
I want our other, paid for car fixed -- about 1K
I want to start saving money for Christmas

3. NO SHOPPING! Only buy necessities -- diapers, food, etc.
STAY AWAY FROM EBAY, unless I am selling something.
DECLUTTER the house ... this does not make money, per se, but it clears my head and soul to get rid of crap we've accumulated.

This is DAY 1 ... and it's 1240 .. I haven't spent anything yet!!
post #98 of 1358
Quote:
Originally Posted by HollysMom View Post
Well, today is the first day of September and off to a good start. Haven't been anywhere today so haven't spent any money yet. I hope to head over the the dollar store later with a small list and not buy anything else. Spent the morning sorting the girls clothes and getting all the small/summer stuff put away and the fall stuff into the drawers.
Good luck everyone!!!!
Tee hee ..
I am doing the SAME thing .... just drug down all of Rachel's stuff from the attic. I need to see what still fits from last year, and then try to decide if I want to keep her things for the potential next baby --- or go ahead and sell them on Ebay/consignment shop ...

It's not like it's fall weather here ... it's 80 degrees!!

It just seems like the thing to do, since it's Sept
post #99 of 1358
1: Stayed under budget on stops at hardware store, co-op, and vitamin store -- although spent $3.42 on faux M&Ms with the intent of separating them into three servings to snack on at work. Came back to office and ate all three servings. But have a $5 mail-in rebate on paint from hardware store!

Progress September Goals:
0/7 actual no-spend days
$3.42/<$75 in discretionary/preventable spending
0/0 lattes!
0/0 unfunded credit card charges!
and
figure out how to cheaply accomodate M&M habit... one plan tested and rejected.
post #100 of 1358

Starting off...

9/1 Paid rent, oil, savings. Made $6.21
New Posts  All Forums:Forum Nav:
  Return Home
  Back to Forum: Frugality & Finances
Mothering › Mothering Forums › Natural Living › The Mindful Home › Frugality & Finances › September No-Spend Challenge: We're in the home stretch! Stay Strong Finish with us