Originally Posted by michelle524
Hey all - I have a question for you:
DH and I both get paid on the 15th and last day of the month. Some months I pay the bills on the last day, sometimes the first of the next, sometimes a few days early (if the last day is a Sunday, we get paid Friday prior). What month should I count these in. I'm going to try to be consistent for budgeting purposes. I paid our bills on 10/31 this time around b/c DH was home to watch DS. Should I count that as November spending?
I'd count it as whatever month the bill is for...if it's your November bill, due Nov. 1st or later, I'd count it as that. But I agree that it doesn't really matter as long as you're consistent.
Originally Posted by mamamilkers
11/01: $27 on WAY over-due library fines and a book that DD ripped :. $17.50 on costume stuff from Target's Halloween clearance. $4 on a cup for DD from Starbucks.
1. 0/20 no-spend days.
2. $229/$250 on groceries and household items for Oct 26-Nov 8
3. $22.50/$0 spent on my DDs (who are in need of NOTHING!)
4. $0/$0 on the credit card
5. $9/$315 personal spending on anything I wish
Okay, today started out with a giant . . . THUD. Sigh. I did know I was going to hit up Target's clearance because the dresses are a great deal now. DD LOVES to dress up and I wanted to see what they had. But I wasn't going to get them anything! It's the first day of the money and I've spent over $20 on my older DD! Sigh. Okay, where's my lashing with a wet noodle?
I was at Target first thing this morning, too, to get costumes. I bought 4
:, but they are dd's only holiday present this year and she LOVES dressing up. I also didn't buy her a costume this year, she used stuff she already had and now she can do that next year, too, so I'm ok with it.
I have to ask, though...if you weren't going to buy anything...why, why would you venture into Target? Are you one of those look fear in the face, edge of a cliff types???
Only budgeted spending, including holiday gifts and groceries
- My plan is to stick to perimeter in grocery and only go once a week and use a list.
- Try to live by the mantra, "Less is more."
- Use only cash. Only use my debit card for gas. If I purchase something online I will go to bank FIRST and deposit the cash.
- Only buy things (things we need) that are on sale and a GREAT deal or cannot wait.! (Other than groceries)
No spend days: 1/20
No grocery days: 0/24
Only cash days (debit card for gas): 1/28