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Oct No-Spend Challenge: End of the month is here. Hang on No-spenders Almost There! - Page 77

post #1521 of 1542
My goal for this month is to stay within our budget!

1-
2-1.75 parking, optomitrist 65.00
3- 40.00 dh teachers assoc fees
4-2.00 parking, 20.51 book subscription
5- 8.00 bank fees, kung fu 64.20
6-groceries 95$
7-
8-
9- $50 ds dance class, $8.13 ate out, $8.4 groceries
10- $10 overdraft charges, $40 ds snowsuit, 30$ internet subscription
11- $2 parking
12- Mortgage $387, taxes $75
13- $15.49 eating out
14- $51.57 groceries
15-$290 groceries
16- $2 parking
17- $50.58 drugstore, $Y membership 67.84
18- $2 parking
19- $3.25 dh lunch (he snuck the change off my dresser ), chiro $5.25, pizza 23.90, $35 dh school fees, $64.20 dh kungfu fees,
20- $27.43 drugstore, groceries $153.10
21-
22-$38.97 gas, $16 movie for me and dh, $20 book,
23- $89.29 house insurance, $5 overdraft charge, 194.86 hydro bill, $2 parking
24-
25-$2 parking
26-$16 movies for ds
27-Pet food $54.74, $8.80 library fees, $10.12 flowers, $133.66 groceries, 79.88 winter boots/art supplies,
28-
29-
30- $387 mtg, $75 property tax, $2 parking, $150. phone bill
31-



total this month 2824.92/3000
no spend days 8/31

WHOOOHOOOOO! I came in 25.08 under budget! Yippee! AND we just changed dh wages so he's getting taxed at the minimum level, so we are going to get a little more each month. Right now I am saving 250 a month in my budget but I'm hoping to use the extra to pay down our debt faster. We "save" 200 a month by putting that much extra on the mortgage, and I put 50 away in cash towards a fancy new washer!
post #1522 of 1542
10/31:
No spend!

Totals:
No spend: 21/31
Essential spending/bills: 9/31, $377.95 over budget
Non-essential spending: 1/31, $25.76 over budget

---
Made/saved extra: 6/31

We actually ended the month with some left over! Don't ask me how... I have no clue whatsoever! We had collections charges, cell phone termination fees, etc at the beginning, and it did not look good... But it turned out fine!
Let's hope that much continues for Nov!
post #1523 of 1542
Quote:
Originally Posted by anarchamama View Post
WHOOOHOOOOO! I came in 175.08 under budget! Yippee! AND we just changed dh wages so he's getting taxed at the minimum level, so we are going to get a little more each month. Right now I am saving 250 a month in my budget but I'm hoping to use the extra to pay down our debt faster. We "save" 200 a month by putting that much extra on the mortgage, and I put 50 away in cash towards a fancy new washer!
Congrats mama!!!
post #1524 of 1542
Quote:
Originally Posted by Crunchy*VT*Mom View Post
My Goals:

1. No Spend Days: 20/20
2. Let the Car Rest Days: 7/13

Whoa! Today the baby was craving Chinese Takeout and honestly I did not think I could LIVE without it.

I'm going to have to reign this baby in before next month or we'll be in debt by the time it actually arrives!

Here's to a better November!
Well, you DID meet your goals! So

I probably shouldn't say this... : But I never had a single craving when I was pg with DS, and no morning sickness. None this time yet either. But I guess I should shut up now, before I jinx myself!
post #1525 of 1542
Quote:
Originally Posted by TRIBE View Post

Goals to date:
27/23 no spend days
25/28 car rest days
day 26 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
You did a great job this month!

We're looking at a pretty tight Nov too... So here's to us and anyone else who needs it...
post #1526 of 1542
Oct 1- $9.51 for pity wine and some cheese snack sticks.
Oct 2- $2.36 on Sonic shake.
Oct 3-
Oct 4-
Oct 5- $11.20 lunch out with sister. I really gotta do better than this.
Oct 6-
Oct 7-
Oct 8-
Oct 9-
Oct 10-
Oct 11- $4.19 Panera Bread bagel and iced tea.
Oct 12- $44-gas, $2.13 Paperback Swap Obligation, $5 Bunko all budgeted
Oct 13- $4.94 Wendy's.
Oct 14-
Oct 15-
Oct 16-.
Target- $15.89 Table Runner
Toys R Us-$27.54-Nephew's b-day present
Ingles-$22.11-Health and Beauty Items/Batteries/Bathroom Cleaner
TacoBell-$5.39
Oct 17-- $10 Kmart for shoelaces, Tilex Shower Cleaner (a big economy size one) and 2 candy bars.
Oct 18-
Oct 19- $22
Oct 20-
Oct 21-
Oct 22-
Oct 23- $35 Manicure. My nails sure look pretty and I won't get another one for 3 weeks.
Oct 24-
Oct 25- $71 Grocery Store. Necessary
Oct 26- $41 Gas
Oct 27-
Oct 28-
Oct 29-
Oct 30-
Oct 31- $11.46 Lunch out w/friend and sister
post #1527 of 1542
Oct 1 - Only planned spending within budget today
Oct 2 - Only planned spending today
Oct 3 -
Oct 4 - Bought an extremely expensive salad for lunch :
Oct 5 - Spent quite a bit today, but it was all budgeted for
Oct 6 - No spend day!
Oct 7 - No spend day!
Oct 8 - No spend day!
Oct 9 - Another no spend day!
Oct 10 - Only spending today was $12 for dd1's field trip
Oct 11 - Bought my lunch today
Oct 12 - Had a Dr's appointment today and stopped at Taco Bell on my way home :
Oct 13 - Well I knew today was going to be a spend day, but probably spent more than I should have. Didn't buy anything really frivolous, but should have spent a bit less.
Oct 14 - Had a family emergency and had to drive 4 hours....stopped for fast (comfort) food
Oct 15 - Went shopping and out to lunch with Mom, but used my budgeted spend money to pay for lunch and didn't buy anything but some Halloween Candy
Oct 16 - Drove home today and didn't stop for food
Oct 17 - Went out for lunch
Oct 18 - Out for lunch again
Oct 19 - Another family incident so I was too exhausted to cook
Oct 20 - Dh was out so I ordered in Chinese food....my weakness
Oct 21 - A no spend day...finally
Oct 22 - Field trip with dd1's class today...really fun and no spend
Oct 23 - only budgeted spending today
Oct 24 - bought breakfast and lunch - also bought winter coat, snowpants, tights and boots for dd1 and a fleece bunting for the new baby
Oct 25 - Bought lunch....again. The end of this month is turning into a disaster
Oct 26 - I am giving myself a pre-emptive smile today because I did bring my lunch to work today.
Oct 27 - No Spend day!!!!!
Oct 28 - Only budgeted spending today. Groceries etc.
Oct 29 - spent money and bought my lunch
Oct 30 - bought some books (had a credit for part of it, but paid for the rest) and I am now going to buy my lunch because I can't bring myself to eat the leftover pizza I brought for lunch.
Oct 31 - Let's just say I spent money I shouldn't have today and leave it at that. On a brighter note I did not buy any food today.


No Spend Days: 7/15
No Restaurant/Take-out Days: 14/20
post #1528 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
Oct. 27: $20
Oct. 28:
Oct. 29:
Oct. 30: $30 snacky grocery overage, $12 takeout pizza
Oct. 31:

On to November; hope to see everyone there!

GOALS:
* Less than $100 in frivolous spending: month to date $139.55
* At least 25 days (no spend or spending w/in budget): 25/25
* No McDonalds: 31/31
* Avoid Target: 30/31
* Pack snacks/water for outings: 30/31
* NO library fines: month to date $0
* Stay within grocery budget: $472/$430
* Stay within eating out budget: $129.55/$80

Kim
post #1529 of 1542
Woohoo! No spend Oct. 31--ending on a high note! On to November!

Oct 12:
Oct 13:
Oct 14: $90 on boots, Amex
Oct 15: $5 on coffee and candy bar, mad cash
Oct 16: $5 on coffee and candy bar, mad cash; $17 on candy and snacks for work, joint account; returned approx. $60 clothes from J.Jill
Oct 17: (but gave $5 of mad cash to my partner for HIS coffee addiction!)
Oct 18: $6 McDonalds, mad cash
Oct 19: $8 on reed diffuser, checking; $3 on soda and candy, mad cash; $7 Goodwill, mad cash
Oct 20: $6 coffee, mad cash
Oct 21: $75ish Goodwill & Ross, Visa; $26 USPS, Visa
Oct 22:
Oct 23:
Oct 24:
Oct 25:
Oct 26:
Oct 27:
Oct 28: $31.73 USPS, Visa
Oct 29:
Oct 30: $10 Starbucks, joint account; $9 Goodwill, Visa...
Oct 31:
post #1530 of 1542
No-spend, no-drive today. And I started cleaning up my basement to make things easier to find and to set up my pantry (a November goal). Good end to this thread for me!

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
10/27: $1.33 toward beer for DH
10/28: $0
10/29: $0
10/30: $356.64 ($148.89 grocery store + $200 United Buying Club deposit + $7.75 post office to mail books sold on Half.com)
10/31: $0 :
post #1531 of 1542
:::Bring on November :::
Oct 1 $63 BRU $327.60 plane tix
Oct 2 $0
Oct 3 $10 Dr. Co-pay $3 Parking hate paying for parking at the Dr.
Oct 4 $0
Oct 5 $5 ice cream at the airport
Oct 6 $106.14 groceries (budgeted) $46.93 travel car seat bag (necessary) $95.00 car repair...not even the repair, just the diagnostic :
Oct 7 $0 Plus we didn't drive a car today. We did eat a restaurant meal but DH said it was his treat. Yes, the $ comes from the same account but I am only holding myself responsible for me here.
Oct. 8 $0
Oct 9 : $1075 car repair $10 Dr. co-pay
Oct 10 Groceries $55.00 budgeted and necessary
Oct 11 $32.00 lunch (me and DH), $37.00 drugstore, and $6.32 ice cream
Oct 12 $0
Oct 13 $0
Oct 14 $0
Oct 15 $0
Oct 16 $0
Oct 17 $5.73 at Wendy's!!! grrr
Oct 18 $6.17 at Rubio's
Oct 19 $95.73 on groceries
Oct 20 : $124.50 at Trader Joe's and $25 at dinner out
Oct 21 $112 in candle stuff
Oct 22 $94.25 at the grocery store $57.04 in gas
Oct 23 $48.07 at the grocery store
Oct 24 $44.71 grocery store $32.01 at a restaurant
Oct 25 $0
Oct 26 $219.25 Costco all essentials and better than I thought the trip would be $17.54 restaurant meal
Oct 27 : $240 Costco $8 pumpkin patch.
Oct 28 : $99 playplace membership
Oct 29 $0
Oct 30 $79.33 on groceries (all necessary as we're cooking and freezing some meals)
Oct 31 $109 at Target

Goals:
11/15 no spend days
7/8 restaurant meals
post #1532 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!
27th $5 for coffee, drink, bagel for us all; $12 Michael's for ds1's b-day; $20 dinner out
28th $6 bagel w/ tofu scallion cream cheese and coffee after riding
29th $232 groceries; $1.62 coffee
30th $30 gas; $3 coffee
31st $14 for a cheesecake to bring to my mom's; I had no time to make a dessert myself. (misc. spending)

food: $996/$800 (groceries and eating out/taking out)
gas: $294/$250
coffee, etc: $34/$30
Halloween: 38.75/$40
fast food: 34.50/$25
misc. spending: $286/$50

Assessment of the month: Way overspent on everything! :
post #1533 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!
10/26: no spend!
10/27: $6 on a swap gift, $50 on dinner/movie with DF
10/28: no spend!
10/29: no spend!
10/30: $6 on Starbucks
10/31: no spend!

Goals:
1. 23/20 no-spend days
2. $229/$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. $210/$425 personal spending on anything I wish

WHEW! Got through the month. Bring on next month! Looking forward to seeing you all in November!

MamaLotusYoga I'm looking forward to seeing pics of your abode!
post #1534 of 1542

October

Oct 26 - No spend! No drive!
Oct 27 - Groceries $80.90. $38.20 Target. $3.79 Wendy's. $34.34 Gas for DH's car. $9.74 USPS.
Oct 28 - $11.98 Burnt bacon, sent DH to grocery store. Probably a mistake.
Oct 29 - No spend! No drive!
Oct 30 - No spend! No drive!
Oct 31 - No spend! No Drive.

GOALS (For remainder of October):
* Grocery trip $90 or less. $92.88
* At least 4 dayss no spend or spending w/in budget: 4/4
* Starbucks: 0/1 :
* Target Trips less than $50: 1/1

First partial month, think I did pretty well! Congrats to everyone else who met goals! See you over in November!
post #1535 of 1542
spent extra money at office max when picking up some office supplies for my biz. also, my car died in the school parking lot while picking up DD2. it's spending the night there but we'll probably have to have it towed and fixed tomorrow so november will be starting off with a big bang

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

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
Oct 27
Oct 28
Oct 29 5.33 for deli food and soap at the hfs
Oct 30 groceries, pet supplies, gas, veggie box all in budget
Oct 31 8.xx office max extras

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

GOALS:
Plan menu and make grocery list every week! 2/2
Grocery shop once a week only 2/2
Fill up car once a week only on grocery day 2/2
Post used dipes and other stuff to sell on craigslist and tp- done
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
post #1536 of 1542
Closing out the month and heading for November-
Oct 1-17.00 lunch out: exiled from house for 24 hours due to varnish smell!
Oct 2-9.78 breakfast out,groceries 51.10B,coffee 2.79,gas 36.59B,53.00B IVF meds(a LOT less than I was expecting)
Oct 3-
oct 4-Econ shop 14.50B,5.89 snacks:,6.52B USPS,
Oct 5-19.69 phone,7.92B Bakery,90.00 Dance FeesB (thanks Bubbe)
Oct 6-:
Oct 7-1:7.81BGroceries +15.00 ebay
Oct 8-:35.52B Gas
Oct 9-Groceries 52.00B,42.00B Naprapath,17.01B Gas,6.52 Coffee & snacks
Oct 10- 2.18 for book and doll at thrift shop, getting rid of 4 bags of no longer needed clutter PRICELESS:
Oct 17-2.00 parking.10.00 Gas,9.48 village,12.00 Lunch out w/Dd
Oct 18-15.00 Gas
Oct 19-
Oct 20-
Oct 21- Dinner 22.00, Ice Cream 8.55-a cheap night out PRICELESS!
Oct 22- parking2.00, Glue for Shoe 5.08,Groceries 58.36, Fees 2.00-Still need to buy gas, and then I'm BROKE.+15.00 ebay.
Oct 23-lunch 7.29:, post office 8.14,groceries43.55
Oct 24-
Oct 25- Gas 12.00B
Oct 26-Milkshake 3.18,Shoe repair 3.00B, meds 15.00B,watch repair 10.00B
Oct 27-
Oct 28-32.00 gas,
Oct 29-:27.00 breakfast (sis Birthday),USPS22.73 (Made +33.27),Thrift (also w/ Sis 18.83) Groceries 51.18
Oct 30-' Thumbing myself because I didn't actually eat out on my WORST day of the week!.2.51B Milkshake,produce7.04B.
Oct 31- 12.83-groceries

GOALS(thanks to those with wise ideas!):

1.At least 16 days: 13/30
2.Pack snacks/water for outings/School: 11/30
3.At least two no-car days per week 4/8
4.NO library fines: month to date $10:
5. Come here lots
6.Make lists and stick to them
7. Avoid buying my sweets and bake more. 1/5
8. earn at least 50.00 in sellables this month 63.27/50
9. tally of evil under 100 : 134.00

Acceptable spending:
Dd snowpants-DONE
Twin Sheets- Why did I give all of these away?? freecycle maybe?
Still searching for a lunchbox
Chanukah gift items (only a couple of small things, Chanukah is a minor holiday)
Sellable Items-



Well, I didn't do so good this month-I just can't seem to keep myself from wanting to eat while driving, and I'm not packing enough food for school.
I think I've figured out some things that will help with next month though, I took out 10 for the week-that way I won't feel like I need to spend enough to justify using my CC when making lunch purchases, and bought some kosher sliced turkey to make sandwiches for school (we almost NEVER buy lunchmeat). So I've made my menu and my plan.

It's got to-I've no Idea how we're going to pay everything this upcoming month. Dp did just get a raise which is wonderful, but it doesn't kick in until Dec, and she will end up using most of it to pay travel expenses to her upcoming grad school stint- She's doing a low-res MFA program, which will be great because it DIRECTLY applies to her job (and her love of writing), BUT she alredy has a ton of student loans (many years in grad school working towards a PHd), and this is going to add more
post #1537 of 1542
Quote:
Originally Posted by mrskennedy View Post

I probably shouldn't say this... : But I never had a single craving when I was pg with DS, and no morning sickness. None this time yet either. But I guess I should shut up now, before I jinx myself!
Wow! Mrskennedy- You are lucky not to have Morning Sickness!
(though I would HAPPILY deal with a little morning sickeness as it's now 2+ years of TTC!)

to tall the Mamas who stuck it out this month! Let's go into November strong and with lots of smileys!
post #1538 of 1542
Man, I was sooo close meeting my no spend days goal one more day..But I did meet my non-essential spending goal so thats progress!
Cant wait to start next month! it should be a busy month..

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
Oct 27
Oct 28
Oct 29
Oct 30
Oct 31

No Spend Days: 24/25
No Diaperswappers/etsy: 27/29
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 #1539 of 1542
1
post #1540 of 1542
Yea! We made it through Oct. I'm soooo ready to start Nov!:
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Mothering › Mothering Forums › Natural Living › The Mindful Home › Frugality & Finances › Oct No-Spend Challenge: End of the month is here. Hang on No-spenders Almost There!