or Connect
Mothering › Mothering Forums › Natural Living › The Mindful Home › Frugality & Finances › November No-Spend Challenge ~ Come check in, it's time to get started saving money!
New Posts  All Forums:Forum Nav:

November No-Spend Challenge ~ Come check in, it's time to get started saving money! - Page 5

post #81 of 1133
1
post #82 of 1133
Quote:
Originally Posted by Crunchy*VT*Mom View Post
1. Please introduce yourself and tell us anything you think it would help us to know about yourself.
Hey All!

Ruth, SAHM mom to 2 and pregnant with a third.


Quote:
Originally Posted by Crunchy*VT*Mom View Post
2. Please tell us why you have decided to spend nothing (or spend significantly less) for the Month of November. Memorize these goals and recite them to yourself before all purchases.
We are buying a minivan this month -- a used Sienna hopefully. We have a decent amount saved and would like another 2K for the down payment. We will still need to take out a small loan, but we are trying to limit the amount we borrow.


Quote:
Originally Posted by Crunchy*VT*Mom View Post
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?
My budget is all set for the month. Now I just need to do the hard work and stick to it. We have extra set aside for Thanksgiving and a gift that needs to be bought for friends who are moving away. Other than that, it is all about eating at home, keeping the heat turned off for as long as possible and taking advantage of this nice Autumn weather.
post #83 of 1133
OK, I've looked at my budget and settled on some goals:

1. STICK TO BUDGET!!
2. No new credit card purchases, aside from Christmas plane tickets.
3. Finish closing out all old CC accounts (I think I may have a big enough credit to buy said plane tix, but I'm not sure).
4. Continue excellent trend of not buying coffee or lunch at work. Aim for no more than 1 coffee/week and 1 lunch/week.
5. Thrift for Christmas presents.
post #84 of 1133

I'm Looking forward to this Challenge!

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

Hi, my name is Erin. I live in DE with my husband (Mr. K) of 11.5 years and our 3.5 yo daughter (Abigail). I first learned about MDC almost 4 years ago when I was preggers and learning about CDing. I drifted off to a few other boards, but now I'm back.

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

For the past year I have had this unexplainable desire to simplify/down-size/de-clutter/live more with less. I've thought, thought, thought & read, read, read about it but never taken any major steps in that direction. Doing this challenge right before Thanksgiving and Christmas will really help focus my mind on being thankful what really matters. My mantra for Christmas is "tis better to give then to receive."

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?

Pantry Challenge - The freezer and pantry aren't bursting at the seams but I think I've got quit a bit with which to work. I'm allowing $20 per week to buy a couple gallons of milk (hormone free from BJ's), eggs & fresh fruit and veggies (local farmer's market), and bread (local bread outlet).
TOTAL = $80

12 no spend days

12 no drive days - I have one exception. Abigail goes to preschool 3 days a week. Round-trip mileage is 8.8 miles (I clocked it this AM). If I drop her off, come home, and then pick her up in the afternoon, I will call that a no drive day.

20 Ebay items - One item for each business day in the month (I took 2 off for Veteran's Day and Thanksgiving). If I post the links, will that be considered spam?

Gas = $25 per week. That won't even fill up the tank of my station wagon but it will be enough to get around. TOTAL = $100


Clothing = nothing. Abigail is set and so am I. I'm going to save my pennies for our Christmas Trip back home to MI. The thrift stores are AWESOME!!!

Hobbies = nothing.

Household Items = $10 per week. I don't have any TP, paper towels, trash bags in my Pantry so I'll need to buy as we use up. I'm switching over to glass food storage so I promised myself $10 per pay period to slowly build up my collection. I want to switch over to homemade cleaning products and need to get some EOs to make them smell nice. I'm guessing these might be kind of pricey at the local HFS. TOTAL = $40

Personal Spending Money = $10 per week. I'm going to get it all in $1's This will cover Diet Cokes at WaWa, bagels, lunch @ the local pizza joint, etc. TOTAL = $40

GRAND TOTAL FOR NOVEMBER = $260


TH 11/1 - I listed 7 things on Ebay and 5 of the listings were lots! That felt really good. It's been a no-car and no-spend day as well. WooHoo ... I'm on a roll!!! I just listed 3 more items on Ebay. Now I just hope they all sell. Hee Hee! Dang am I having fun ... 6 books listed on Ebay. Go Erin, Go Erin!

F 11/2 - Listed Abigail's crib on Ebay. Withdrew $60 cash from the Bank. Expenses: $5.85 @ bread outlet, $17.83 @ Save A Lot (I was surprised how little I got ), $25 gas in the car, $1.29 fountain drink, $2.30 @ the bagel shop, $5.46 @ WM for glass storage, TOTAL = $57.73

S 11/3 - DH and DD went out for the AM so I de-cluttered the linen closet and master bath. Master bath also got a good cleaning and the shower a deep cleaning. Boy was it nasty!!! (Anyone have any good solutions for cleaning that gosh-awful pink film that grows in my shower?? I'd be your friend forever!) Expenses: $.63 on taco seasoning packet, $1.99 kids lunch @ Kmart, $49.50 @ Dollar Tree for Christmas gifts. That wasn't budgeted but I received an unexpected Pay Pal payment so I had an extra $44. A new Dollar Tree opened right up the road from our house so I thought I would knock out the N&N Christmas gifts while the store was well stocked. TOTAL = $52.12

SN 11/4 - Drove to church AM & PM. Fountain drink refill - $.89. TOTAL = $.89

M 11/5 - Fountain drink refill - $.89. I also bought 2 crock-pot cookbooks on Half.com. They were recommended in a MDC thread - $23.83, lunch @ Arby's with a coupon - $3.99. I was plumb out of cash so I put it on my PP debit card.

T 11/6 - DH gave me $5 for cutting his hair so I had non budget money! $1.65 bagel, $.89 fountain drink refill, $2.95 thrift store. TOTAL = $5.49 - $5.00 = $.49 A bunch of my Ebay auctions ended today and I made $68.78!

W 11/7 - $.89 fountain drink refill, $.35 Little Debbie snack for Abigail, $27.89 on the Debit Card @ Thrift Store I didn't plan on the Thrift store expense but on the flip side I got a bread machine that's in great condition, some new books for Abigail, and a bunch of big glass jars for dry food storage. TOTAL = $29.23

TH 11/8 - $.89 fountain drink refill, $.10 tootsie roll for Abigail, $17.00 at Kmart I have a cold and needed some relief. I got $10 cash back b/c I'm all out of cash. Kuddos to me for resisting the 75% off fall decor! TOTAL = $17.99

F 11/9
S 11/10
SN 11/11
M 11/12
T 11/13
W 11/14
TH 11/15
F 11/16
S 11/17
post #85 of 1133
Quote:
Originally Posted by Iris' Mom View Post
Hi, I'm Iris' Mom, a single SAHM of 3 kids, age 17, 6 and 6 mos. Two years ago, I was a well-paid lawyer with a deadbeat husband. Then, I became disabled, and received private disability insurance until last month. I received my last payment 2 weeks ago, and now will be getting by on SSDI, which is 10% of my former salary. I took on my mortgage and most of my other debts when my income potential was much higher. I do have bipolar II, and in my hypomanic states, I tend to spend more than I should/need to.
Iris, I think this will be a great place for support! I know from personal experience that bipolar can be very hard and you seem to be doing great taking charge of your life. GO YOU!

Quote:
Originally Posted by New Mama View Post
To the person who asked how you budget for things like gifts or insurance premiums -- I follow Mary Hunt's "Freedom Account" method. (I recommend reading her book "Debt-Proof Living" -- I got a lot out of it, though I had to ignore the religious stuff).
That was me! I'll check it out! thank you.

Quote:
Originally Posted by leomom View Post
Hi! I'm Mysticpi,
I use Dave Ramsey's plan. First, we saved 1000 for emergency expenses. Now we put X amount on CC using his snowball method. The we take the rest and subtract all bills. The rest is our expendable income. I use Dave's budget categories (daveramsey.com) to allocate the rest.

I would love a link to a printable form of The Compact Objectives if you have it..

QUOTE]

Thanks leomom!

I'd like to learn about The Compact Objectives too!

Today's our first day....Keep that money in your wallet!!!! Go No-Spenders Go!!!
WOHOOO!!
post #86 of 1133
1. Please introduce yourself and tell us anything you think it would help us to know about yourself.

I'm a WAHM mommy to a sweet two-year-old DD and another baby bean on the way this month.

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

We remortgaged our home, and it went through last month. Now we have a slightly higher monthly mortgage payment, but we own our car, have no CC debt and are student debt free (can I do a little dance? ) This was such a huge breakthrough for us, and I don't want to backslide. I want to save enough to stop working from home, as I'm a small business owner and I find it takes too much out of me emotionally. I want more time to sit on the floor and play with my kids.

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 signed a Compact for the month of November, so I'm committing to not buying new (with the exception of food and safety items) and buying only what I need. Having a baby arrive this month could either really help or really hinder my plan. My partner in crime is decidedly NOT taking the plunge with me, but we both stick to a pretty lean budget anyhow. We try to spend cash only. I will plan on not eating out, as it's wasted money with the heartburn I have anyhow.
post #87 of 1133
I just got back from a moms group thing at Starbucks and I DIDN'T BUY ANYTHING!

Go me!
post #88 of 1133
We dropped DH off to work this am. Put $3.55 down to the eat out fund. Starting the month off fast.
post #89 of 1133
Quote:
Originally Posted by Mavournin View Post
I just got back from a moms group thing at Starbucks and I DIDN'T BUY ANYTHING!

Go me!
Way to go! Mavournin

That's great.
post #90 of 1133
Ashley, we are planning a move to the NH, VT border around Hanover/Norwich. Know anyone who wants a nice house?

Adding "races" and decreasing "food". :

GOALS:
Food from the grocery store: 0/$600
(4 trips at $150)
Eating out: 0/$150
Coffee: 0/$30
Coat for ds1: 0/$35
Long John's for me: ??
gas: 0/$250
personal spending on whatever: 0/$100
races (DH and me): $225

NO FAST FOOD!
NO BIG BOX STORES!

I plan to record all spending since it helps me. I tend to overspend on food, I guess, but it may just be that our prices are higher here. I don't know. I will only count no spend days as days that I spend nothing.
post #91 of 1133
Well today has started off well. Brought my breakfast and lunch to work. If I can get through the afternoon it will be a no spend day :

Adding to my goals:

$0/$400 Groceries (this is quite a bit less than we normally spend, but really want to eat out of the pantry/freezer this month)
$0/$50 for misc coffee, snacks, lunches out etc.
No spend 0/10
No restaurant/take-out 0/20
post #92 of 1133
*November*

1:



Budgeted Spending:
$200 Groceries***I have a freezer and pantry full of food. Must stop addiction of buying food on sale. I'm running out of space! I've joined the pantry challenge this month.
$60 Gas
$50 footwear
$20 whatever my heart desires
$30 date night... we haven't been out to dinner in ages.
$20 at thrift shop... looking for material, boots, sweaters, and pretty things
$200 trip to Montreal with sisters to visit another sister. (Includes: $60 bus ticket, $17 for a 3 day bus/metro pass, food, museums etc. We stay for free at my sisters')
post #93 of 1133
Thread Starter 
01.. ,

Goals:
1/20 No Spend Days
1/15 Let the Car Rest Days
post #94 of 1133
I have already thoroughly had it for the day, so there is no way I'm going out. That makes it no spend. I took freezer chili out for dinner so we are not getting take out.

1/11 no drive days
1/17 no spend days
$0/$50 mad money (for coffees, lunches, etc.)
$0/$300 groceries
$0/$200 take out/restaurant
$0/$134.02 entertainment

11/1:
post #95 of 1133
Nov 1: $30 charitable giving, from checking; $11 Savers gifts, from checking; $2 Pepsi, from cash; $15 co-op groceries, from joint; $4 library fines, from cash. All w/in budget.

November budget update:

To joint account: $2,000/$2,000.00
To student loan: $0/$257.60
To savings: $0/$100.00
To charity: $30/$50.00
To Visa: $0/$184.20
To Discover: $0/$500.00
Cash: $6/$100.00
Christmas presents: $11/$100.00

November goals:

1. STICK TO BUDGET!!
2. No new credit card purchases, aside from Christmas plane tickets.
3. Finish closing out all old CC accounts (I think I may have a big enough credit to buy said plane tix, but I'm not sure).
4. Continue excellent trend of not buying coffee or lunch at work. Aim for no more than 1 coffee/week and 1 lunch/week.
5. Thrift for Christmas presents.
post #96 of 1133
1. Please introduce yourself and tell us anything you think it would help us to know about yourself.
Hi everyone! : I know some of you from last month and welcome to the newbies! I'm Nina, soon-to-be-working mama to a fabulous baby girl.

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

My last month of mat leave was spendy and I need to pay off my credit card! We could use some extra cash for the holidays, and I'm already on a ridiculously tight budget and ambitious savings plan because our lease is up in July and we need a down payment!!

Maybe most importantly, this is my first month of work so I need to set the precedent for myself of being frugal with less spare time on my hands! It's one thing to no-spend as a SAHM - it's going to be much harder for me when I know I have money coming in and I'm hanging around with people who have severe Tim Horton's addictions, great outfits, and actual social lives.

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?


THE PLAN....
1. NO TAKE OUT
2. NO STARBUCKS
3. NO TIM HORTONS
2. DISCRETIONARY SPENDING AT THE END OF THE MONTH, NOT THE BEGINNING...AND ONLY IF THERE'S MONEY LEFT IN THE BUDGET
4. MAKE OWN 'CONVENIENCE FOOD'
5. $350 FOR GROCERIES
post #97 of 1133
I've been craving a cheeseburger & DH knows it. DH got home from getting a tire repaired and he & DS had gone to McDonalds & gotten cheese burgers on the way. He picked DS up from school, and went to get the tire fixed, DS was hungry so they stopped. Total cost, $3.21 for 3 cheeseburgers.

Now DH wants to make it up to me by taking me out to get a good cheeseburger (not fast food), but that would be $30 by the time we all go eat again. Holding out...I already have dinner planned for tonight & tomorrow, so if I make it to Saturday the craving will have passed. If it hasn't next time I grocery shop I'll pick up buns & fixins instead of going out.

So so far November spending is

1: $3.21 cheeseburgers from the Value Menu @ Mc Donalds for DH & DS grrrrrr.
post #98 of 1133
My name is Veronica
We just have started being really relaxed with our spending as well. We aren't in the dog house, but I want to start saving, and I feel we spend too much money on small items that actually add up. I want us to start getting honest about money. Great Idea for a thread. I will do my best to stay honest and write everything down. Thanks everyone!
post #99 of 1133
Yay! Went nowhere today..no spend!

11/1

Goals:
No spend days: 1/23
No DS, Etsy, DT: 1/27
Non-essential spending <$200
Save, Save, Save!
post #100 of 1133
I'm not going anywhere today - so i can go ahead and claim my first no-spend day! Well, i did ship some stuff i sold on ebay - but the buyers paid for that, so you know - doesn't count

11/1 -

Goals:

1/31 No spend days (well, no spend outside my budget days )
New Posts  All Forums:Forum Nav:
  Return Home
  Back to Forum: Frugality & Finances
Mothering › Mothering Forums › Natural Living › The Mindful Home › Frugality & Finances › November No-Spend Challenge ~ Come check in, it's time to get started saving money!