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Oct No-Spend Challenge: End of the month is here. Hang on No-spenders Almost There! - Page 3

post #41 of 1542
1. Please introduce yourself and tell us anything you think it would help us to know about yourself.

I'm Lisa, a WOHM and primary breadwinner for our family. My husband R owns a gas station that is teetering on financial ruin, and he can only contribute a little to our finances every month. We have a 4-year-old DS who is in child care full time while I work.

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

Last month I actually lived on a budget for the first time in my adult life. I was shocked at how much money I saved! Now things are more serious for this month because my job announced that they are going to start paying us biweekly instead of bimonthly starting in January, which means we have to figure out how to live on a $300 dollars less per month. Sigh. I am so mad about this! I will get an "extra" check twice a year, which will likely be wholly devoted to debt payoff, but still. Argh.

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?

* Doing the daily budget plan again this month, but with way less money per day. Only $27.50 per day allotted for this month instead of our $36.60 allotment for last month. Oof.
* Eating out MUST MUST MUST be reduced. I am aiming for no more than 9 meals out next month.
* No buying junk except for DS's potty treats. Last month I only spent $16 on toys and I think I will aim for less than $40 this month (2 potty treats worth). We will be phasing out the potty treats this month.
* In the interest of eating out less, I need to plan simple meals that I can make in emergency situations so I don't end up buying food out because I am too tired or whatever.

Can't wait!
post #42 of 1542
1. Please introduce yourself and tell us anything you think it would help us to know about yourself.Hi, I'm Delphine. I live in southern Arizona, and I am married and have a 2 year old son.

2. Please tell us why you have decided to spend nothing (or spend significantly less) for the Month of October. Memorize these goals and recite them to yourself before all purchases. I don't think I spend that much, but here's an occasion to really know. I also would like to budget to buy some furniture and household items in the next few months.

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?
I will make a new budget with DH, and try to stick to it. If I feel that buying a certrain item means feeling like I'll have to "confess" to you all, I'll try to resist buying it.

This month, other than the usual groceries, I plan on buying a platform bed (we have an organic mattress that is just on the floor and it needs to breathe) or some blinds for our bedroom. I am also considering getting a few yards of fabric to make my son's curtains darker. And, at last, I need to get some new clothes for work, because my boss commented on my dressing.
That's it!
post #43 of 1542
1. Please introduce yourself and tell us anything you think it would help us to know about yourself.

My name is Nicole and I'm a SAHM to two children. We recently moved and are in contract on our first home. This is my second month of the challenge.

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

Our new house needs work. I want to put my daughter in daycare one day a week. I want furniture for our new house. So no frivolous spending.

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?

We don't buy a lot of "stuff", but spend a lot of money on food. This month I want to make a budget and try to stick to it. Make at least one freezer meal each weekend, make a meal plan and try to stick to it. Also want to start recording prices of various stores so that I know where the best deals are.
post #44 of 1542
1. Please introduce yourself and tell us anything you think it would help us to know about yourself.

I'm Heather. SAHM to 3 great kids (8,5,3) I've been attempting this challenge for a few months now. Every month I get better.

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

DH's commission checks are pretty unpredictable these days. They were really low a couple of months ago and we had to use our savings and put money on credit cards. Now I'm trying to replenish our savings and pay off what we put on CCs.

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.

*have at least 10 no spend days
*do NOT use CCs
*only go to SuperTarget on Fridays
*eat out of the pantry
*declutter and sell as much as possible
post #45 of 1542
Hi! I'm Brandi, SAHM to 2 boys. We went through a rough patch a few years ago when dh lost his job, and we more or less lived on our credit. He has a good job now, but because of the debt, we're still leaking financially- $$ spent is always more than $$ earned, so we really need to focus on spending less to stop the leak.
I printed up a budget worksheet online that I'm working with so that I can come up with a workable budget, but I really need to cut down the spending. Its amazing how I'll go to the store for diapers and toilet paper and come back with $100 worth of stuff. :
So, for right now, I'm working on looking at everything I am spending and deciding if it is truly a necessity, or something I can live without, even for one more week. I have found that making myself wait another week will often give me a different perspective on whatever it is I wanted to buy.
post #46 of 1542
I am a SAHM, but will be looking for home tutoring positions to augment DH's earnings. We have a tendency to overspend and must stop! I tend to nickel and dime my money away, but don't make big purchases. Here lies my challenge! I am a newbie and am setting my goals high (for me anyway : )

My goals:
Make a household budget!
Do NOT go shopping, especially at Target!
Do yoga at home.
Don't buy disposable diapers.
Keep selling on Ebay... hopefully enough to fund Christmas.
15/30 no spend days

groceries: $800
gas: $250
coffee: $30
Halloween: $40
fast food: $25
personal products: $10
post #47 of 1542
1. Please introduce yourself and tell us anything you think it would help us to know about yourself.

My name is Liz. I'm a homeschooling mom of four who makes money by doing childcare from home.

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

I have two goals:

- To stay within budget this month, write down everything we spend and not mess up my checking account like I did last month

- To open a savings account and start funding it for our Emergency Fund, as per Dave Ramsey's Baby Step #1

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?

- Keep my van parked Monday through Thursday, both to save money on gas and to keep us from going places to spend money.

- Before I make a purchase, ask myself whether I'd rather have that item or get out of debt and feel secure with an emergency fund.

--------------------------------------------------
Non-bill spending
Groceries/household: $400
Gas for van: $90
My allowance: $40
post #48 of 1542
Filled the van with gas today and did the grocery shopping for this week. Since it's basically being used in October, I'm counting it for October's budget.

Non-bill spending
Groceries/household: $95/$400
Gas for van: $45/$90
My allowance: $9.30/$40
post #49 of 1542

Question...

My bday is this month and I know I'm not getting any presents. (Honestly I don't mind!) But would spending $11 for a book I've been meaning to read be way out of line? I need the ebook version b/c of vision issues, and that's the cheapest available.
post #50 of 1542
Thread Starter 
Tomorrow is the kick-off day for our challenge!

Is there anything you need to do to get ready?

Make a grocery list, write out your budget, put all your cash away?

What can you do today that will help you get started tomorrow?

Good luck!!!!
post #51 of 1542
Mrskennedy - I think an $11 bday present to yourself is ok, if you can afford it (and only you know if you TRULY can afford it). But, I will say that I do buy myself a little something I've really been wanting for Christmas and my birthday. Of course, aside of my horrible food spending habit, I don't spend anything on myself most of the year, that's how I justify it.
post #52 of 1542
I can't wait for tomorrow, I feel like it's the new start to my new life. So many wonderful goals for myself! Since I'm ending September on a disastrous spending note, I really want to meet my goals in October. And with your support I will!!!
post #53 of 1542
1. Please introduce yourself and tell us anything you think it would help us to know about yourself.

Hi, I'm a SAHM to a two-year old son. I also have three teenage stepkids, a supportive DH, and a mortgage that's over half our take-home. So worth it for where we live, though! We love it here.

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

Did I mention our gigantic mortgage? Also, we need to have some repairs done before winter, and our food bill is HUGE (I'm trying to get it down through buying meat from a farmer, joining a co-op, and stocking up at sales). We really have to do this. I dropped out of September's challenge, but I WILL STICK WITH IT THIS MONTH!

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?

I'm putting a "counter" in my siggy and will post here every day, even if I go off track. There's not much we need besides the roof, though if DH asks for new shoes or jeans we'll buy them, since he asks for so little and he's been mentioning them. I also want to buy some weatherproofing stuff for winter (we just bought this house last spring and we need to get it air-tight).

Thanks for doing these challenges, Prudence!
post #54 of 1542

Poor Teachers

1. Please introduce yourself and tell us anything you think it would help us to know about yourself.

Hi, I am a teacher who has two children, one five and one 19 months. My husband is also a teacher. We have a "nice" income for teachers, but are trying to save for a house, furniture, and emergency fund.

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

We are only paid monthly and are learning to have to budget this way. We are putting my entire salary minus daycare expenses (600/month) into savings. So that puts us after bills at about $1400 a month for groceries, gas, and other variable expenses. I have a nice excel budget, and I have been using it since June. However, I would like to just nix all the "extra" spending so that we have some money for Xmas as well as dining room chairs. (I am purchasing my dining room in steps. I have the table, and now I am saving for the chairs, and then the hutch!)


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?

Well, for the most part, during the week, we are so busy that there is no time to spend money. We usually order a pizza or go out to something inexpensive ($20/family of 4) once a week. This will probably not change, but maybe we should just get the pizza instead of going out (Pappa Murphy's 8.99 for take and bake)

As far as entertainment, we usually don't spend anything except my husband has been golfing once a week. He is actually going to talk to the manager today and see if he can buy a membership and pay for it in three installments. This would be a huge savings. I will not make him quit golfing though because he spends absolutely no money!

Also, the weekend is our pitfall for money spending...usually a meal out, or some kind of clothing shopping, or just something a little unneeded right now.

I will be posting and needing help along the way, so this is the perfect spot to come!
post #55 of 1542
Continued...
Okay, this is my first time, but I really need to do this. I sat down with my expenses yesterday and was embarrassed and, truthfully, terrified at what I am spending per month and how high my CC debt has gotten. But we have a plan.

*write down everything I spend.

*groceries from the cheapest store in town, with better meal planning so that I can spend less, cook more.

*drive less

*eat out once/week or less

*write out a budget and stick to it.

*look into other options for consolidating debt and getting rid of cc's. (when cc minimum payments eat up over half of the paycheck, this is not good.)

*buy nothing that is not a necessity.

*One frugally planned vacation a year. Not more. :

At this point, if I can even cut my spending some, I'm going to consider it a victory. Cut a little every month, right?
post #56 of 1542
Wanted to add the things I AM allowed to spend on this month:
-trips to the Pumpkin patch (we plan to go to at least two)
-belly painting, if it's not too much (for pictures at the pumpkin patch)
-anything we make on craigslist can go to supply things for our room or things we may need for the baby
post #57 of 1542

Go October!!!

Bear with me...take a look at my tentative budget and let me know what you think. I'm going on the minimum guaranteed amount that I will get; hours that I am on the schedule, not on-call appointments. I always get them, but I can't really count on the money, KWIM? DP is disabled; fixed income, which is eaten up by diabetes meds and supplies. Is this realistic? We have very little debt, but I do use, or rather, have been using, a cc to pay for all expenses and pay it off every month. The money just flies out. At least now I know where it goes...

Family of 4- 2 adults and 10yo ds and 4yo dd and 4 cats 4 fish and turtle

Total minimum income is $960/month.

Grocery bill is $300.00 (DP pays for some, as well, with own $)
Gas for car is $50
elect/gas is $71.00 on budget plan
cable/phone/internet pkg. $120 (home business)
student loans $125
savings acct. for medical expenses $40
cat and fish/turtle food $ 20.00
rent $100 (we live in my parents 2nd condo)
car insurance $50
clothes $50
eat out money $50

I got $976. There is the cushion of my "extra" income, but I would really feel better with more savings and less outgoing. We have no insurance, so we have to save as much as possible. Any suggestions are welcome!
post #58 of 1542
I'm in! Here are my expenses:

$50 for gas
About $160 for tithing
About $190 for a plane ticket (going to Iowa for Hallowe'en! WOOT!)
$300 for my car

$700...yikes, that leaves me only $140-ish by the end of the month. Waaaah!
post #59 of 1542
Thread Starter 
PROOF.

I now have PROOF.

Remember last month how I said the Costco executives have a wiretap in my brain and stock their stores immediately with whatever it is that I'm thinking I need????

Here's the Proof:

1. Thread started on Mothering.com about how Flannel Sheets save money on your heating bill
2. I read the thread
3. I read the thread again
4. I decide that WE need flannel sheets
_______________________________________
5. Costco executives rush out and stock the Burlington Costco with $12.99 Flannel Sheets in all the colors they know I love

6. I wander innocently like a lamb to slaughter into said Costco this morning.

Seriously...how can I win??? How. can. I. win??? When you are up against something as insidious as that??

Luckily for me it is still September 30th....
post #60 of 1542
1. Please introduce yourself and tell us anything you think it would help us to know about yourself.

I am Victoria, SAHM to two. We really need to do this because we are closing on a house in Tacoma this month in anticipation for a job change of my DH, but that will mean we are carring two mortgages at over 50% of our take-home pay, so if one is not rented out (and it won't) things will be tight.

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

Opps, see above. Must keep ourseves in the black.

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?

Stay out of the stores! Only shop from a list. Only alot myself the cash in my wallet to spend.


What have you done today to help?

Last night we made a budget of sorts. I have a list to go weekly grocery shoping with, and DH agreed to watch DD while I go to the store (much easier to shop without her).
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