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Oct No-Spend Challenge: End of the month is here. Hang on No-spenders Almost There! - Page 70

post #1381 of 1542

I am so furious.

First, I made my first ever sale on half.com. A whopping $3.

Now, on to the fun stuff. Some of you may know that I was having my leaking oil tank removed and my soil remediated. The original quote was $14,700. I borrowed $10,000. Final cost: Almost $19,000. I am seriously ready to vomit. The work was started on 8/2. We had to call and scream at the company just to get the final invoice. We will get all but $1000 back through a state grant, but that could take months. In the meantime, I owe someone $10,000 and all of my savings are gone. So, the guy who gave us the estimate was off by about 50%, which makes him bad at his job. He has held everything up by about 6 weeks by not returning calls, not delivering promised items, etc., which makes him unprofessional.

His name is Perry Zenion, the company is Castlton Environmental. They are located in Nanuet, NY. I'm posting this comment in the NY, NJ, PA thread too and I'm filing a complaint with the BBB.

Getting this off my chest has made me feel slightly better.
post #1382 of 1542
Oct 1: $1.00 at work on coffee and a diet pepsi
Oct 2: .25 on coffee
Oct 3: .25 on coffee and we picked up books & movies at the library
Oct 4: only coffee 0.25
Oct 5: Got Starbucks but had a GC so no out of pocket, $11.75 groceries (budgeted)
Oct 6: Blew it. Big time. Hit Costco and I am to emberrased to even say what we spent. We also got pizza for lunch. And I needed gas. Yikes. We are home now and plan to stay here
Oct 7: only spent on groceries
Oct 8: .25 on coffee and $10 on 2 perscriptions (necessary), & $51 on sheets for DD, unplanned but necessary (LL Bean, bought on line to save me from actually stepping foot into the mall )
Oct 9: Gymboree $35, I got a Gymbuck for free, so I had to spend it ... got a lot though... swimsuit, t-shirt, & 2 socks for DD, umbrella & 2 pairs socks for DS.
Oct 10: only $ on groceries (budgeted)
Oct 11: $3.50 latte , $1.35 Dr. Pepper
Oct 12: .25 coffee, $4.20 slurpees, $21.24 All You magazine subscription
Oct 13: no spend, staying home
Oct 14: bought groceries and gas (all budgeted), home now and staying here.
Oct 15: .25 coffee
Oct 16: .25 coffee, stopping @ Walgreen's on the way home but only buying peanut butter and gum, both on sale + coupons, out of grocery budget
Oct 17: .25 on coffee.
Oct 18: .25 on coffee
Oct 19: , no spend!!!
Oct 20: $8.78 lunch with kiddos, $12.59 supplies for painting pumpkins, $4.33 additional Halloween stuff for kiddos
Oct 21: $40 for Pumpkin Patch & Lunch
Oct 22: .25 on coffee
Oct 23: no spend!!
Oct 24: $6.50 Starbucks . Sigh.
Oct 25: $20 dinner. Just. Couldn't. Cook. . And Dh is getting ready to leave in the morning til next Wed. I deserved the break. Right?!?!
Oct 26: $2.15 Post office, $6.50 Lunch
post #1383 of 1542
1st Resume paper and tape -- within budget
2nd Food, gas, coffee -- all within budget
3rd
4th Gas, $1.07 for a shower card, $6.50 for ds's winter coat, $2.70 for shipping from a previous coop
5th $1.62 for coffee, $0.89 at J. Crew, $19 for pizza
6th spent, but within budget... all reasonable stuff.
7th $11.27 at the deli; $9 for a pair of longies; $21 for a pair of clogs for me; $13 for ds2's Halloween costume; $12 for the sheer miracles coop
8th $122 on food; $2.70 on coffee (which includes a drink for dc, but I'll take it out of coffee), $9 to take ds1 to Friendly's since the library was closed; $10.75 for ds1's costume
9th $39 gas; 1.73 coffee
10th
11th $2.50 coffee for DH and me; $2.50 milk; (DH also spent the following since we were with his daughter: $9 pictures; $25 junk at Target; $35 pizza, etc.; I am not counting this. I am hoping to return the junk to Target.)
12th $8 fast food; $42 sushi $5 gas
13th $35 socks; $50 food; $40 gas
14th $6.67 for coffee and a bagel :; $175 food, which will be delivered on Tuesday; $5 shipping for books
15th $70 food; $2.50 fast food (pancakes); $2.75 coffee; $6 tire repair
16th $1.75 coffee; $7 map; $40 gas
17th
18th $2.50 for a cup of coffee and a banana; $5 fast food; $4 thrift shop
19th Bought necessary stuff at Target (wipes, baking pans, mixed fruit, coffee) for $40 and a few gifts for ds's b-day for $7 at Walmart.
20th Ran a race that cost $20; dh bought coffee and pizza for us $12; bought four gourds for $1; gas $40
21st $30 race, $15 fast food for breakfast, $47 food store
22nd $25 for car set at the second hand store; $3 fast food
23rd $10 bagels, $3 coffee and water
24th $83 groceries, $5 boots for ds1, $40 gas
25th $2.70 coffee for me and fries for ds; $20 on pizza with dsd
26th No spend!

food: $733/$800 (groceries and eating out/taking out)
gas: $264/$250
coffee, etc: $29.70/$30
Halloween: 38.75/$40
fast food: 34.50/$25
misc. spending: $260/$50

4/15 no spend days
post #1384 of 1542
10/1: $152.06 car repair
10/2: $74.31 groceries
10/3: $313.57 ($200 deposit into the United Natural Foods Buying Club account and $5.26 for a sympathy card and q-tips and $108.31 in supplements and shampoo/conditioner at LuckyVitamin.com)
10/4: $26.65 for a retractable clothesline, three animal magnets, and some tea-light candles
10/5: $0...finally!
10/6: $47.98 ($24.58 groceries -- including brats for the grill for dinner -- and $23.40 for a reusable furnace filter and wooden dowel at Home Depot)
10/7: $23.77 groceries
10/8: $226.69 ($39.78 groceries and $186.91 another car repair)
10/9: $182.54 ($11.68 Walgreen's and $170.86 Holztiger nativity set)
10/10: $0
10/11: $118.11 ($10.69 post office for catalog return and stamps + $85.31 hardware store for paint, weatherstripping and birdseed -- and one fridge magnet that was not needed! + $12.17 Target for Lansinoh and a birthday gift + $9.94 Walgreens for Halloween candy)
10/12: $0
10/13: $0
10/14: $0
10/15: $243.09 ($168.79 groceries + $74.30 Frontier co-op)
10/16: $0
10/17: $26.88 hardware store (weatherstripping/proofing supplies)
10/18: $39.05 Target (wreath + Halloween decoration for front door)
10/19: $0
10/20: $188.69 ($5 drop-off at the dump + $14 pumpkin farm for three pumpkins, votive candles, and a pony ride for DS + $43 lunch + $126.69 Target for three shelving units)
10/21: $0
10/22: $74.25 groceries
10/23: $0
10/24: $0
10/25: $105.06 ($100.77 LuckyVitamin.com + $4.29 CVS for ice cream)
10/26: $0 :
post #1385 of 1542
Quote:
Originally Posted by TRIBE View Post
Just about 1.5 hrs south of you in Shelton. I gotta ask is there really a chainsaw pumpkin carving contest on Halloween in Seattle?
I have no idea, but it sounds really interesting! I should look it up . . .

Quote:
Originally Posted by avengingophelia View Post
For November, I want to set some goals, like many of you seem to be doing. How are you arriving at those? School me?
For me I just think about what's do-able, but also a bit of a stretch for a goal of no-spend days. I think I picked 20 this month. I also looked at what things in the budget were hard for me to adhear to and realized that the big one was groceries, so I'm making it a goal to stay in under budget (so far, not so good!). I also made it a goal to not buy things for my DDs because I spend a good deal of money on things for them that they don't even need.

It seems fairly common for folks to set a goal of a certain amount of no-spend days, so maybe you could try that? Also think about if you want to include any no-drive days (since driving=money!) and staying under budget on any part of your monthly budget.

The first month you can just sort of get the feel for it, too, without giving yourself too many rules if you aren't sure if they will help or not.
post #1386 of 1542
10/01: no spend!
10/02: no spend!
10/03: no spend!
10/04: $25 on stuff for my older DD at Target :
10/05: no spend!
10/06: $8 on coffee drinks for DD, DP and I
10/07: no spend!
10/08: no spend!
10/09: no spend!
10/10: no spend!
10/11: no spend!
10/12: $20 on ice cream and pizza for my birthday
10/13: $60 on dinner out for DF and I and $7 on Starbucks
10/14: no spend!
10/15: no spend!
10/16: no spend!
10/17: no spend!
10/18: no spend!
10/19: $19 on shipping for the stuff I bought last month in a Melissa and Doug co-op
10/20: no spend!
10/21: no spend!
10/22: $50 on shoes for DF's birthday
10/23: no spend!
10/24: no spend!
10/25: no spend!
10/25: no spend!

Goals:
1. 20/20 no-spend days
2. $14/$250 on groceries and household items for Oct 26-Nov 8
3. $25/$0 spent on my DDs (who are in need of NOTHING!)
4. 1/2 days taking DD#1 to school on the city bus
5. $205/$425 personal spending on anything I wish

So today the grocery budget goes back to $0 for the next four weeks. Let's see if I can do better this time! I bought some somewhat frivolous stuff at Trader Joe's today, but I'm sticking it under the grocery budget because, well, it was food!

ETA: I decided to make the grocery budget for two weeks at a time, since that's the way I do the budget. Hopefully this will help me stay on track so we're not destitute by the end of the month!
post #1387 of 1542
Oct 26 - No spend!

Whoot first day down. Fridays are normally hard for me, by the end of the week I'm just tired. Often use Target and/or Starbucks for a break.

Tomorrow will be interesting, need a couple of necessities at Target (give me strength) and it's grocery shopping day.
post #1388 of 1542
Oct 1:
Oct 2:
Oct 3:
made $70
made $8
Oct 4:
Oct 5:

Oct 6:

Oct 7:
Oct 8: :
Oct 9:
Oct 10:
:
Oct 11: : fell off the wagon $173 @ evil-mart, $5 on weekly coffee
Oct 12:
Oct 13:

Oct 14:

Oct 15:

Oct 16:
Oct 17:
Oct 18:
Oct 19:
Oct 20:
Oct 21:
Oct 22:
Oct 23:
Oct 24:
Oct 25: Oct 26:

Goals to date:
23/23 no spend days
21/28 car rest days
day 22 of quitting smoking
paid off apartment lease debt $2300
paid off cell phone debt $383.96

Exceptions:
Necessary clothing/shoes
Halloween costumes DONE
New puppy payments
1 weekly coffee out
post #1389 of 1542
Quote:
Originally Posted by michelle524 View Post

I'm sorry - that's awful. I'm pretty much all my mom has b/c everyone else has decided they've had enough of her crap. My guilt complex stops me from cutting her off.
I don't have a guilt complex, she has my little sister : no biggie to me

Quote:
Originally Posted by chely7425 View Post
Hey! I live in Olympia What is up with our weather lately..
I am new here so I have no idea what is normal and what isn't but I have to say I am loving the cool sunny days a LOT especially after the 2 straight weeks of gloom and rain. I have been told to expect gloom and rain until spring though.

Quote:
Originally Posted by michelle524 View Post
First, I made my first ever sale on half.com. A whopping $3.

Now, on to the fun stuff. Some of you may know that I was having my leaking oil tank removed and my soil remediated. The original quote was $14,700. I borrowed $10,000. Final cost: Almost $19,000. I am seriously ready to vomit. The work was started on 8/2. We had to call and scream at the company just to get the final invoice. We will get all but $1000 back through a state grant, but that could take months. In the meantime, I owe someone $10,000 and all of my savings are gone. So, the guy who gave us the estimate was off by about 50%, which makes him bad at his job. He has held everything up by about 6 weeks by not returning calls, not delivering promised items, etc., which makes him unprofessional.

His name is Perry Zenion, the company is Castlton Environmental. They are located in Nanuet, NY. I'm posting this comment in the NY, NJ, PA thread too and I'm filing a complaint with the BBB.

Getting this off my chest has made me feel slightly better.
HOLY CRAP!!!! mama that is some serious crazy bad business right there.

Quote:
Originally Posted by mamamilkers View Post
I have no idea, but it sounds really interesting! I should look it up . . .
I saw it on Grey's Anatomy lats night so it could just be as fictional as the show
post #1390 of 1542
Quote:
Originally Posted by TRIBE View Post
HOLY CRAP!!!! mama that is some serious crazy bad business right there.
:! : Good for you for filing the complaint! But that doesn't help you right now... Michelle! So sorry this is happening to you!
post #1391 of 1542
Quote:
Originally Posted by Kewpie View Post
[Tomorrow will be interesting, need a couple of necessities at Target (give me strength) and it's grocery shopping day.
STRENGTH STRENGTH STRENGTH to you! You can do it!
post #1392 of 1542
Quote:
Originally Posted by mamamilkers View Post
20/20 no-spend days
Great work!
post #1393 of 1542
In case you're wondering, my PayPal problem has been solved by using Firefox. Still don't know what's up with my Internet Explorer... But at least I can access the funds now!
post #1394 of 1542
Oct 1 - $138 diapers (budgeted), $83 groceries, $11 book.
Oct 2 - $133 groceries at 10% Tuesday (stocked the pantry to the brim) $12 BookMooch obligation
Oct 3 -
Oct 4 -
Oct 5 - $63 Thanksgiving groceries (Canadian Thanksgiving)
Oct 6 - $85 baby clothes ($50 budgeted), $35 baby gift for friend, $16 lunch
Oct 7 -
Oct 8 - $5 milk and a toothbrush
Oct 9 - $2.55 BookMooch obligation
Oct 10 - $20 washable diaper pail liner, $20 scarf (budgeted-work clothes.)
Oct. 11 - obscenely expensive haircut...taken out of work clothes budget
Oct. 12 - $7 thrifting for work clothes
Oct. 13 - $200 clothes and shoes for work (budgeted), $30 for drinks at my high school reunion and late night pizza for me and DH afterward (SO not budgeted)
Oct. 14 - $70 groceries
Oct. 15 -
Oct. 16 -
Oct. 17 -
Oct. 18 - $20 gas, made $60 on Craigslist
Oct. 19 - $184 ND appointment for DH
Oct. 20 -
Oct. 21 -
Oct. 22 - $54 groceries, $100 breast pump, $40 necessary health books, $5 self-pity Starbucks after driving all over the city
Oct. 23 -
Oct. 24 -
Oct. 25 - $3 Tim Hortons
Oct. 25 - $20 Birthday dinner for a friend

$408/$440 groceries
$55.55/$25 entertainment
$463 over budget
post #1395 of 1542
We got the keys to the house AND DH sold his car today! The guy takes possession on Tuesday! (So we will be a one-car family for awhile!)

WOW what a great day! More packing and moving tomorrow and then on Monday the moving truck comes for the "big stuff"!
Spent $8.00 on painters lights at HD, rather than buying lamps for the house!
post #1396 of 1542
Really bad day..Went to Borders, and Costco, and spent $ online..I haven't tallyed my damages yet but I know it's not good:
Oct 1
Oct 2
Oct 3
Oct 4 $28.14 natural foods, .40 late charges at library, $11.00 birthday gift
Oct 5
Oct 6
Oct 7
Oct 8
Oct 9
Oct 10 15.89 Halloween supplies
Oct 11 10.75 etsy
Oct 12 60.90 Disney store:
Oct 13
Oct 14
Oct 15
Oct 16 9.99 tshirt
Oct 17
Oct 18
Oct 19 37.90 co-op
Oct 20
Oct 21
Oct 22
Oct 23
Oct 24
Oct 25
Oct 26 BAD, bad day

No Spend Days: 19/25
No Diaperswappers/etsy: 22/29
Non-essential spending 174.97/200
Save $750

My exceptions:
Halloween costumes done
Disneyland park tickets 1/3 of the way done
Food for dd's birthday party done
post #1397 of 1542
Oct. 1:
Oct. 2:
Oct. 3:
Oct. 4:
Oct. 5: $30 - amount over "necessary" for big potty celebration
Oct. 6:
Oct. 7:
Oct. 8:
Oct. 9:
Oct. 10:
Oct. 11:
Oct. 12:
Oct. 13:
Oct. 14:
Oct. 15:
Oct. 16:
Oct. 17:
Oct. 18:
Oct. 19:
Oct. 20:
Oct. 21: $17 overbudget eating out
Oct. 22: $20.55 overbudget eating out
Oct. 23:
Oct. 24:
Oct. 25:
Oct. 26: $10 - failure to pack snacks

Attended a fun downtown Halloween event tonight; budgeted for the horse/wagon rides, but there is no reason why I could not have packed snacks (especially since we had friends over beforehand + lots of snacks around).

GOALS:
* Less than $100 in frivolous spending: month to date $77.55
* At least 25 days (no spend or spending w/in budget): 22/25
* No McDonalds: 26/31
* Avoid Target: 25/31
* Pack snacks/water for outings: 25/31
* NO library fines: month to date $0
* Stay within grocery budget: $442/$430
* Stay within eating out budget: $117.55/$80

Kim
post #1398 of 1542
Quote:
Originally Posted by avengingophelia View Post
Still sick and housebound. Great for the wallet. Not so good for the soul.
Hope you are feeling better soon!
post #1399 of 1542
Quote:
Originally Posted by leomom View Post
Ugh. Ok, I've kind of fallen off the wagon, but I'm climbing back on.
Yay for climbing back on!
post #1400 of 1542
Girls grabbed lemonade at the fall carnival and started drinking it before DH realized it was 2 dollars a cup, oops. Luckily he had some cash in his wallet, that would have been embarrassing.

So what's everyone's plan for next month? This is my first no-spend challenge and this is a spendy time of year for us, DD1's birthday and Thanksgiving next month, then DH's birthday and Christmas in December...

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

Oct 20 Groceries
Oct 21 : $50 sushi for BIL
Oct 22 comforter for DH and I (returned spendier one)
Oct 23 Veggie box and Groceries ($5 frivolous otherwise in budget), comforter for DD2, snow tires for DH's car $300 used!, Halloween pumpkins and candy, winter boots for DD1, shampoo for girls, gasoline
Oct 24 car
Oct 25 DH haircut (under budget)
Oct 26 24/$20 for DD1's fall carnival

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

GOALS:
Plan menu and make grocery list every week! 1/2
Grocery shop once a week only 0/2
Fill up car once a week only on grocery day 0/2
Post used dipes and other stuff to sell on craigslist and tp
Cancelled Cable TV, saving us ~$45/month

Upcoming extras:
DD1 Snow boots 28/$35
Comforter for DD2 $43 (now need to make or con MIL into making duvet for it.)
Halloween candy 12/$10 plus forgot about pumpkins 17 dollars
DD1's school fall carnival and auction 24/$20
I think I'm forgetting something...[/QUOTE]
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