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Oct No-Spend Challenge: End of the month is here. Hang on No-spenders Almost There! - Page 4

post #61 of 1542
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post #62 of 1542
Costco question: For those of you with memberships, where do you see the biggest savings? I'm debating, but haven't taken the plunge, yet, as we really only buy cat food, litter and food on a new basis. All of our clothes and gifts are either thrifted or acquired via trade.
post #63 of 1542
Quote:
Originally Posted by blsilva View Post
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?
Right! to you and all the others here! You can do this!
post #64 of 1542
Thread Starter 
Frog -- We made a price list and went to Costco armed with prices from local grocery stores and Walmart...and then we compared how much we would save buying certain items and the savings in milk and bananas ALONE was more than the $50 joining cost. So we joined and we definitely shop there.

We don't buy many processed foods, but in Vermont anyway Costco has the cheapest milk, cheese, cream, bread, bananas, oranges, apples, spinach, organic carrots, coffee, and eggs.

We don't buy any paper products or diapers, so I don't know about those things.

We also got some super cheap snow tires there and I saved $80 on contact lenses from Costco. They tend to have great prices on the big stuff.
post #65 of 1542
I think the KEY for me this month is not only to stay out of some stores (Kmart, Target, Old Nave, etc) but also just to stay OFF internet sites..Like etsy and diaperswappers!
post #66 of 1542
woohoo! I'm so excited that tomorrow is October and i get a FRESH start w/ my spending! Today we went a little nutso and ate out, bought random craft stuff (some i "needed" to make my Jesse Tree ornaments for advent...) most wasn't "needed" though.

Tomorrow i plan on making a menu for 2 weeks, because i'm getting really lazy in my cooking again...so that's gotta stop!

I also think one of my goals for October will be NO THRIFT STORE SHOPPING and NO EBAY!!!! (unless i'm selling). My "window" shopping is costing me too much

Heres to a new start!
post #67 of 1542
1. Please introduce yourself and tell us anything you think it would help us to know about yourself.

I'm new to this thread, but I need accountability. With my dh far away on business, it's way too easy to let things get out of hand.


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 want to make serious progress. We have a big shovel if we just use it.
Christmas needs to be in cash this year. Period.
If dh's plan for a family vacation is going to happen, that also needs to be in cash, so I need to get the money saved instead of frittering it away.


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 have a well-stocked pantry. I need to use it.

We can have lots of fun at home and don't need to go shopping to fill time. Remind self of this frequently as it gets hard to stay home sometimes.

Fall is finally here, so we can go for lots of walks.

Remember to work on all of the UFOs in the craft room instead of starting new projects.
post #68 of 1542
1. Please introduce yourself and tell us anything you think it would help us to know about yourself.

I'm Amy,a sahm to 4 kids and wife to Joel for almost a decade

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.


-First of all, I've been busy de-cluttering and don't want to bring in more stuff to replace what's gone.

-In August dh took a week off work for a family vacation and we've had trouble recovering from that, not to mention adoption expenses! I know my buying things we don't really need has been a factor in that. I feel so much better not worrying about money and want to get back there.

-I'm just sick of knowing, yet not acting on the fact that if I resist the temptation to buy something in the moment, I'll rarely wish that I bought it later, if I even think about it again.

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 plan to spend more time at home cleaning/de-cluttering and less time out and about where I end up spending money.

-I plan to cook more and not eat out

-I plan to stay off of FSOT at thebabywearer.

-I'm going to allow myself to buy some new diaper inserts that I need at the end of the month if I do well.

-I'm looking for at least 17 zero spending days.

Thank you so much for this thread!!
post #69 of 1542
It's my first time. I'm Rhi. I'm SAHM to ds 7 and dd 2. I've always considered myself very frugal. Dh and I have never had much debt. Just student loans (payed off last year) car payments on one car (will be payed off soon) and morgage. If we use ceditcards at all, we pay them off at the end of the month. If we don't have the money, we don't buy it.

Dh's wage isn't great but it's not bad and we live in an area with very low housing costs.

We have always budgeted with an alowance for savings and for yearly extras, like if the car needs fixing or the hot water tank goes. Things like traveling south to see family, birthdays and christmas come out of that fund too.

Last year we sold our old house in a high market and bought here. We ended up making quite a profit on our old house. It had nearly doubled in value in the two years we lived in it. Rather than putting it all into the new house, we left some of the profit in a high interest savings account to have avaliable for renivations that are ongoing on the house. We've done a bunch of stuff and there is still more to do.

Well over the last year we have found ourselves getting a little slack with our budget. We are consistantly over each month and it getting to be more and more. This month we're almost $200 over budget. We are also dipping into our renovation and extra expences fund for things we don't really need and it's adding up. I want to have money left over to finish the renos on our house. And we almost through extras fund and there is still christmas, and some work that needs doing on the car.

So I need to get back on track.

My pantry is quite well stocked so I'm going to be trying to eat out of it as much as possible.
I'm limiting myself to 2 trips to the grocery/week.
I'm making a meal plan and a list and sticking to it.
No pre-pakaged food. I'll do baking for snacks and treats.
No shopping other than my 2 gocery trips/week
I can easily walk to the grocery store, library ect so my goal is to not drive the car more than once a week. I'm going to try and get dh to drive less to, he can walk to work if he leaves early enough. It takes him about 20 min.
Next weekend is thanksgiving and my inlaws are comming so I'm alowing $50 for wine, chips, snack ect but no more and I'm going to shoot for less. (we already have our turkey)

So, there you go. Wish me luck!
post #70 of 1542
I'm a SAHM/WAHM/student mama to almost 7MO DS. DH is here too. I'm not spending b/c we have little income, unpredictible oil bills, tuition payments, and want to build an emergency fund--or keep building one if there's anything left after tuition. I plan to simply buy nothing unnecessary--except maybe the ebook I mentioned earlier... I've been doing the challenge since I think--July, and it gets easier. I also hope to cut down our grocery budget, make more nutritious meals, and add in more raw foods.
post #71 of 1542
Quote:
Originally Posted by mrskennedy View Post
Right! to you and all the others here! You can do this!
Thanks. I needed the hugs tonight. Dh just found out that his check this month is cut in half.
I really, really need to not spend. A lot.
post #72 of 1542
Quote:
Originally Posted by mrskennedy View Post
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.
Go for it! An $11 for a birthday present is very reasonable.
post #73 of 1542
Quote:
Originally Posted by mrskennedy View Post
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.
Um, mama, YES. Heck yes! It's your birthday! My birthday is this month, too, and it's the one time of year I don't feel bad at all spending money on myself!
post #74 of 1542
Quote:
A jacket for me (I've lost weight and last year's jacket doesn't fit at all.)
And the biggie: We're buying a dining table this month. We're eating on a card table currently, and I'm hosting Thanksgiving dinner for 10 so a real table is in order before November. I'm scouring Craigslist; we're not buying new.
hey momaste if you are anywhere near Chicago PM me I have two different dining room tables that are being gotten rid of-one free, one cheap,-no matching chairs though
post #75 of 1542
1. Please introduce yourself and tell us anything you think it would help us to know about yourself.

Quick intro as it's my third month on no spend, though I didn't finish august and did finish september (yay)- I'm mapster, mami to 4 yr old Dd, I work two part time jobs (dd comes with to the main one) and I'm in school part time, I'm also going for IVF round #3 in hopes of having a new little one in our lives soon. We also have debt (my cc's, Dp's student loans) that I would like to see us pay, and work to be done on our house. Did I mention IVF? which would bring us back down to one income for awhile, as I was a sahm/wahm for Dd's first two years-I'm dd's non-bio mom.

2. Please tell us why you have decided to spend nothing (or spend significantly less) for the Month of October.get out of Debt, have $$ so when don't panic when something big comes along. we have NO cushion, need baby cushion and house cushion, and car cushion!


3. No spending is hard work. You need a plan. Please tell us your game plan -- See goals list:

GOALS(thanks to those with wise ideas!):

1.At least 16 days: 0/30
2.Pack snacks/water for outings/School: 0/30
3.At least two no-car days per week 0/8
4.NO library fines: month to date $0
5. Come here lots
6.Make lists and stick to them
7. Avoid buying my sweets and bake more. 0/5
8. earn at least 50.00 in sellables this month 0/50
9. tally of evil under 100

Acceptable spending:
Dd snowpants
Twin Sheets- Why did I give all of these away?? freecycle maybe?
lunch container (self) NEED THIS!
Sellable Items-
Meds for IVF round #3-I've got the go-ahead! meds happening soon!
post #76 of 1542
MrsKennedy go for it, or better yet let me buy it for you as a birthday gift to us both I know I won't be getting anything for my birthday and I never by myself something so I'd love to do it if you would let me!

Prudence We have flannel sheets and honestly unless I live in them 24/7 there is no way they are going to save our heating bill. It's still early in the season and even with a sweatshirt and wool socks I am still cold And the kids all huddle underneath their fleece blankets BUT flannel sheets are warm when you are in bed and sleeping :
post #77 of 1542
I am Jennie, SAHM and part time WAHM to 5 kidlets that are unschooled but enrolling in a public school at home (it's weird anyways, it was what they wanted). We recently purchased a home that is out of our budget, which wouldn't have been really had interest rates not gone so high when the housing prices went so low. So we are trying to learn how to pay a high mortgage and everyday household bills that we have never had to pay before, and still stay afloat with gas, food, clothing and extras.

My goal this month is to be as frugal as possible with Halloween, including not buying any new decorations (sob, this is my fav holiday and this is my one birthday treat to myself) and rather wit until Nov 1 to get them on sale for next year. I am going to try and craft the kids costumes instead of buying over priced junk costumes.

To price wood for our bed to get the best deal.

Meal plan and stick to it, which I have been doing fairly well on I just could use some "easy" I don;t feel like cooking type meals included in my menu. I would like to only grocery shop every 2 weeks (or when we get paid, so Tues and then again after the 15th)

Only buy craft items I must have for gifts or for items to sell

I would like to allow myself 1 coffee stand trip per week and 1 lunch out per payday for when we go grocery shopping

I strive this month to have 23/31 no spend days and 20/31 no car days (which is pretty easy goal to meet for me but I want to see how many days I actually don't drive)
And finally I strive to not use my CC at all so we can work on getting the dept paid off even though it's a low dept and technically the money we put on it is my "allowance" I need to learn to live without it as does DH need to learn to live without his allowance so we can pay our bills without dread.
post #78 of 1542

will officially join later

... as I have spent too much time online for now, but I was :

Quote:
Originally Posted by Crunchy*VT*Mom View Post
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!!!!
nice kick in the behind, definitely what I need

Quote:
Originally Posted by imahappymama View Post
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!
I could only think clothes and eat out money are debatable, what exactly is eat out money, snacks or dinners? do you think you could save that money? just a thought

Quote:
Originally Posted by mumkenna&lucas View Post
I think the KEY for me this month is not only to stay out of some stores (Kmart, Target, Old Nave, etc) but also just to stay OFF internet sites..Like etsy and diaperswappers!
yeah that!
post #79 of 1542
1:

October goals
* pack lunches and snacks every working day 1/23
* twenty no-spend days 1/20
* only one trip to the grocery store in October 0/1
* frugal choices at the Farmer's Market, bearing in mind the produce box
* no clothing purchases, not even thrift
* quit smoking by Halloween
post #80 of 1542
1. Hello all, my name is Kazia. I'm a work at home mom with 3 kids.

2. I am trying to get control of our family finances wich are totally unmanaged. Dh was out of work for 6 months 5 months ago and we're still playing catch-up financially. Plus in a moment of idiocy, we actually bought a "new to us" mini van that we should of saved up a bigger down payment for. And my younger son is starting pre-school today... another $310 we are trying to squeeze out of our already to tight budget .

3. * If we're not going to be home for lunch, pack one.
* Stay away from Starbucks and any other on the go coffee places.
* Reduce gas consumption.
* Plan our meals and go grocery shopping once a week.
* Hustle more work!!!!!

Okay, off I go on day one of no spending. October's going to be a real challenge. H's birthday is comming up, Thanksgiving is this weekend (in Canada ), and we're going to Seattle for 3 days to visit Dh's cousin in a couple of weeks. Perhaps October wasn't the best month to start this . We had already planned to take the boys out for lunch today to celebrate H's first day of pre-school...

Oh boy, this is going to take some real discipline!
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