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January No-Spend Challenge -- Day of Reckoning. How did you do? What will you change for next... - Page 52

post #1021 of 1124
13th day

1/15 - paid electric bill - $160 - no other spending
1/16 - sunpass recharged when we drove on the turnpike - $25 also DH filled up his car on the way to a meeting but work will reimburse him
1/17 - :
1/18 - :
1/19 - :
1/20 - Groceries - $143 - no other spending. AND we cleaned out the garage and closets and donated about 10 garbage bags of stuff to goodwill!
1/21 - :
1/22 - :
1/23 - :
1/24 - $6 at the post office to send a certified letter, $8 at walgreens for milk and paint for the pinewood derby cars not budgeted - but needed so I'll still give it a
1/25 - paid bills - all the ones that are due at the end of the month. $1915.73. Budgeted - yes. Neccessary - yes. Still hurts? - yes. :
1/26 - $50 gas, $5 ice cream & $10 at the grocery store.
1/27 - :

no spend - :
spent only neccesary /budgeted -
spent unneccesary / unbudgeted -
post #1022 of 1124
1 – , drove
2 – 15.48 groceries, 12.50 pets, 16.76 gift for dd from dh (half price), drove
3 – , drove
4 – 67.49 groceries, 1.65 sundae at Costco for me and dd (always), drove
5 – 107.38 groceries, 16.95 pets, drove
6 – , no driving
7 – , drove
8 - , drove
9 - , drove
10 - , drove
11 - , drove
12 - , drove
13 - , no driving
14 - , drove
15 - 86.93 groceries, drove
16 - 27.52 pets, 9.05 groceries
17 -
18 -
19 -
20 -
21 - 298.87 groceries
22 -
23 -
24 -
25 - 122.13 groceries
26 -
27 - 128.85 household/clothing

Groceries/pets – 765.95 why won't this go down?!
Misc spending – 145.61
No-drive days – lost track
No-spend days – 19

Plan:
Get back to hang/rack drying laundry
Get around to sealing leaking windows/door (leaking water!)
Caulk under kitchen cabinets

Sarah
post #1023 of 1124
Spent another $61 in joint money at Target today, on...mailers, birthday cards, dishwasher detergent...it's ridiculous. This challenge has really opened my eyes as to what is happening with our joint spending (and why we're ending up in the red by the end of the month). So next month, I'm not only going to have a personal budget/personal goals, but M. and I are going to have a joint budget as well.

AND I spent at the thrift store and the post office...On the upside, I got $45 from Amazon.com today, selling stuff from the GW. So it's not all bad.

Joint:
1/5: $40 take-out
1/6: $12 movie tickets, $37 dinner out, $90 Target (snack foods and housewares, nothing unplanned)
1/7: $8 Starbucks breakfast/coffee for both of us
1/8:
1/9: $160 groceries
1/10: cell phones $120, cable $109, gasoline $74, DSL/phone $56
1/11: $26 at Italian market
1/12: $7 donuts (bad!), $89 Target (on exciting stuff like dog vitamins and air filters), $16 Goodwill (new cast iron, including a La Cruecet tea pot!), $55 gas bill, $174 city bill (electric, trash, water)
1/13: $275 Ikea (rugs, light fixtures, new bedding, all in preparation for house guests), $43 cat food, $8 for a few groceries (making potato leek soup, yum!), $7 for Kleenex and nasal spray
1/14:
1/15:
1/16: $40 for mom's b-day present
1/17: $29 for Abreva and coffee and cream for work; $42 dog food
1/18: $53 Co-op groceries, $26 Target (cookies for M., foil, freezer bags, that kind of exciting stuff)
1/19:
1/20: $173 groceries
1/21: $14 movie tickets, $24 dinner
1/22: $13 cat food
1/23:
1/24:
1/25: $25 at Ross for French press for M. at work and bamboo serving tray for a friend (will be reimbursed)
1/26: $103 plumber, $24 cat food/litter, $54 take-out
1/27: $61 Target

Personal:
1/6: $39 repayment to my friend who loaned me some airport money when I was leaving Europe (from checking)
1/7: $8 lunch; $3 afternoon snack (cash)
1/8:
1/9:
1/10:
1/11: (paid $293 on CC)
1/12:
1/13:
1/14: ($30 co-pay (from checking), $2 parking (cash), $257.60 student loan payment (from checking)
1/15: $80 on supplies for swap, supplements, etc. (from checking)
1/16:
1/17: $170 for prescriptions (from checking), $9 craft store and GW (from checking)
1/18: $27 Goodwill (from checking), $5 McDonalds (cash), $3 Goodwill (cash) (also spent Target GC and Amazon GC from Christmas), $15 Amazon (amount I spent over GC for leggings and dress)
1/19:
1/20: $40 postage
1/21:
1/22: $45 postage, deposited $200 in Christmas money that will go towards CC
1/23: $4 coffee (cash)
1/24: $70 shoes (from checking), paid $500 on CC)
1/25:
1/26: $110 Goodwill (from checking), $5 Taco Bell (cash)
1/27: $26 postage (from checking), $52 Goodwill (from checking) (+$45 from Amazon.com)
post #1024 of 1124
1/19:
1/20: - Giving at church; Walgreens and RiteAid specials (120.99 in product (toilet paper, toothpaste, chicken broth, shampoo, etc.) for 25.89 after sales, coupons, rebates, and gift card)
1/21: - $22 in groceries
1/22: - $12 in groceries; $75 in gas
1/23: - $12 in groceries
1/24:
1/25: - $80 in groceries
1/26:
1/27: - giving at church
1/28:
1/29:
1/30:
1/31:

Key:
- No spend
- Planned spending
- Unplanned but necessary
- Unplanned and unnecessary
post #1025 of 1124
No spend, no drive, 60 minutes on the treadmill.

Jan. 1-
Jan. 2-
Jan. 3- stayed within budget: $289.12 at grocery store, $50 for gas
Jan. 4- stayed within budget: DH spent $5.87 on groceries, I paid bills
Jan. 5-
Jan. 6-
Jan. 7- stayed within budget: $84 monthly payment for kids' bowling league
Jan. 8-
Jan. 9- stayed within budget: $30.88 for lunch with DH, $25.36 for household items. : frivilous spending: $8.33 for a sweater for me.
Jan. 10- : $75.15 at Target for misc. stuff because I wasn't prepared ($10.98 grocery, $64.17 household/misc- $42.24 of which was totally frivolous), $20.50 for dinner at Burger King so the kids could run around and get some energy out, $11.63 at Target AGAIN for more household/misc.
Jan. 11- stayed within budget: $35.70 for gas, $6.46 for a carwash (bordering on frivolous, but I couldn't see out of the windows!), $8.89 at McDonalds, picked up lunch for DH and FIL.
Jan. 12-
Jan. 13-
Jan. 14-
Jan. 15-
Jan. 16-
Jan. 17- stayed within budget: $99.25 for groceries
Jan. 18-
Jan. 19-
Jan. 20-
Jan. 21- stayed within budget: $24.71 groceries, $12.21 household/misc, $42.68 gas, $8.05 chicken feed
Jan. 22-
Jan. 23- stayed within budget: $13.80 lunch at Potbelly with DH, $13.20 library fines , $22.21 at Old Navy for 4 pairs of pants. DH spent $14.77 for groceries.
Jan. 24- $27 for dinner & movie (girls nite out ), but I used Christmas money to pay for it, so I'm not going to count it.
Jan. 25- stayed within budget: $35.39 liquor store (household/misc), $30.23 grocery store, : $34.86 pizza
Jan. 26- stayed within budget: $5 parking, $66.68 Target ($22.16 groceries, $12.58 boots for DD, : $31.94 for a board game FRIVOLOUS)
Jan. 27-
Jan. 28-
Jan. 29-
Jan. 30-
Jan. 31-

My goals for the month of January:
Track Grocery Spending: $497.09/$550
Track eating out/take out spending: $108.93/$75
Track my gasoline spending: $128.38/$160
Track household/ misc. spending: $243.48/$200
Track frivolous spending: $82.51/$0
Track spending/income on chickens: $8.05 spending/$0 income
No frivolous spending: 24/31 days
No credit card use: 27/31 days
Stay within 15 miles of home: 19/23 days
No-drive: 14/10 days
Exercise: 950/1000 minutes on the treadmill
post #1026 of 1124
1st :
2nd :
3rd :
4th :
5th $3 thrift store; $65 diapers and wipes; $175 food; $21 gas
6th :
7th :
8th $40 gas; $25 food (and cleaning supplies); ($200 surveyor; $100 dsd b-day)
9th :
10th :
11th $67 food;
12th $8 food; $30 gas; $105 vitamins
13th $70 foodstore; $37 gas
14th Frontier $48; $50 gift certificate for mom; homeschool $95
15th :
16th : $122 food; $20 pizza w/ dsd
17th :
18th : $58 food
19th :
20th :
21st :
22nd : $4 thrift store for cast iron pan; $48 food; $40 gas
23rd :
24th : $38 food
25th :
26th : $150 food
27th : ate out $37

GOALS:
Food from the grocery store: $766/$400
Vitamins: $100
Gas: $168/$200
Misc.: $321/$100
TOTAL SPENDING OUTSIDE FIXED BILLS: $1357

I will NOT patronize any fast food places!
I will NOT patronize any big box stores!

26/31 NO FAST FOOD! 26/31 NO BIG BOX STORES!

KEY: : True no spend Spending within budget : Spending outside budget

December:
Food from the grocery store: $697/$400
gas: $230/$200
Christmas: $200/$150
Misc.: $212/$50
TOTAL SPENDING OUTSIDE FIXED BILLS:$1338.50
post #1027 of 1124
Thread Starter 
Goal: 20 no-spend days. 17/20

01..
02..
03..
04.. $8.99 Wendy's
05.. $2.75 Starbucks
06..
07.. $24 chocolate & Subway
08..
09.. $10.13 McDonald's
10..
11.. $8.06 McDonald's
12..
13..
14..
15.. $84 paint, pictures, bunnies
16..
17.. $32.82 Book club dinner
18..
19.. $2.14 picture frames
20..
21..
22..
23.. $6.86 Subway
24..
25..
26..
27.. $10 car wash, $3.65 doughnuts, $13.88 Walmart
post #1028 of 1124
Thread Starter 
Our February thread is up for those who want to get a head start.
post #1029 of 1124
: There is NO WAY for me to make my : goal. :
And I just started doing my budget for February, and it's not looking very good. Ugh. I REALLY need to do better next month!

January:
01/01 :
01/02
$14.04 at the Co-op. Payed rent.
01/03 :
01/04 :

01/05 with a little and Sandwich at work ($5 - 30% ); Dog's flea stuff $16.08 (); Walgreens $4.57 ( and ); Staples $3.85 (1/2 1/2 ).
01/06 :
01/07 :
01/08 :
Yay! Three in a row!
01/09 Budgeted "social spending" $8.50 on Bingo with my friends, $5 burrito, $1.50 ice cream.
01/10 $20 fingerprinting fee (for CASA), $40 at the Co-op
01/11 Lasagna at work ($5.50 - 30%).
01/12 :
01/13 :
Made $20 decorating a cake for a friend!
01/14 I had to get a part for my car, but it was only $2.46. (and a bagel at work $2.25 )
01/15 :
01/16 and
I got gas $10, a few groceries $9, and a burrito w/ bottled water $5.25 . ETA: Rented 2 movies and payed old late fine $11 I forgot to ask for a receipt at the gas station and movie rental place. ETA again: $1.95 at work eating
01/17 :
01/18 $6.45 food at work, $5.71 postage, $36.64 groceries. ETA: Also spent $4.07 on junk foot at a gas station with a friend. And I forgot to get a receipt.
01/19 :I went to Target and Borders w/ a friend and didn't buy anything!
01/20 I went way over budget at a bar with my friends $16. Also, $1.50 at work food and $55 automatic online bill pay (). Oh, and I had too much work to to, and couldn't make it to yoga today. :
01/21 $10.20 for coffees & a bagel, $5 more for chocolates.
01/22 :
01/23
$4.50 at work food, $44 groceries/household
01/24 :
01/25 I spent $18.32 on beads for two-3 gifts. I had budgeted $15 for gifts, so technically I'm only $3.32 over budget, but still! :
01/26 :
01/27
$10 gas. Forgot to ask for a receipt again! : AND I didn't go to yoga, so I totally blew my yoga goal for this month! :


Goals:
  • 24/31 Save ALL receipts.
  • 25/25 Stay out of all stores other than the Co-op, and Winco (dollar store "emergencies" only. $5 per trip limit, 2 trips per month MAX) (I only count this if I buy something at an off limit store )
  • 14/20 true no-spend days :
  • $46.20/$25 social spending
  • 0/2 Yoga sessions this month
  • $27.40/$30 worth at-work eating (I get 30% off and it comes out of my paycheck)
  • Save anything possible this month. Concrete saving goals start in Feb.
  • Approx. $24/$0 out of budget spending
Key:
: = True no-spend
= Spending within budget
= Un-budgeted, but necessary
= "badgurl" spending (un-budgeted and unnecessary)
post #1030 of 1124
With today being a no-spend day, I met my goal of 20/20 !

Key:
no spend at all
budgeted
unbudgeted but necessary
: unbudgeted and unnecessary

Goals:
7/11 spend days
20/20 no-spend--YAY!
3/4 trips and $152.98/200 groceries for Jan 13-Feb 13
1/3 trips and $4.40/20 farmer's market
$1.49/15 DS bday in March
$20.84/16.66 gift-making supplies
$12.78/20 clothes
$4.18/0 in unbudgeted spending (over budget on gift-making supplies)

Tue 1
Wed 2
Thu 3 $48.25 groceries (counted in Dec-Jan budget), $5 crochet hooks for gift-making
Fri 4 $4.40 farmer's market
Sat 5
Sun 6
Mon 7
Tue 8 $59.63 groceries (counted in Dec-Jan budget)
Wed 9
Thu 10
Fri 11
Sat 12
Sun 13
Mon 14
Tue 15 $34.56 groceries, $3.27 yarn for gift-making, $12.78 belt for DH
Wed 16
Thu 17
Fri 18 $66.78 groceries
Sat 19
Sun 20
Mon 21 $20 transportation, $1.49 DS bday, $8.39 yarn, needles, : $4.18 crochet hooks
Tue 22
Wed 23
Thu 24 $51.64 groceries
Fri 25
Sat 26
Sun 27
post #1031 of 1124
1/1: spent nothing
1/2: $35 Target / $1.29 lunch
1/3: $8.88 grocery run
1/4: spent nothing
1/5: spent about $35 (gas/food/entertainment)
1/6: Trader Joe's $90.76
1/7: spent nothing
1/8: spent nothing
1/9: $8 breakfast out / $48.08 groceries
1/10: spent nothing
1/11: spent nothing
1/12: $22.25 gas/ $44.40 yet more groceries/ $7 at local farm for cider, eggs, doughnuts...mmm/ $38.90 mall
1/13: spent nothing
1/14: $10 at dollar store, drug store, Dunkin' Donuts
1/15: $5 post office
1/16: $6.58 post office / $2.92 bananas & milk
1/17: $2.47 post office / $5 grocery
1/18: $12.66 grocery store / $2.48 drugstore
1/19: $6.29 post office
1/20: $17.97 Goodwill / $7.66 mailing stuff / $73.58 groceries & household supplies
1/21: spent nothing
1/22: $8 grocery run / $12.88 postage
1/23: $7.50 grocery stop / $2.75 pet store / $4.32 Dollar store / $16.60 gas
1/24: spent nothing
1/25: $16.80 lunch at diner / $8.50 fruit & veggies/$5 to friend toward gas/ $8 snacks while playing
1/26: $7 pizza / $6.12 grocery
1/27: $4.07 Dunkin' Donuts/ $7.03 Chinese food :

$316.40 into a $250 grocery budget...hmmm...
$55.85 spent on gas
$55.10 spent on eating on the run/out
$146.27 entertainment/clothes/odds & ends
$33.22 postage for stuff I sell on Amazon (but have made a $52.59 profit after postage, fees and mailing supplies)
post #1032 of 1124
Just spent on nephew's b-day present today...

Jan. 1: (no spend!)
Jan. 2: (no spend!)
Jan. 3:
Jan. 4: (no spend!)
Jan. 5:
Jan. 6: (no spend!)
Jan. 7:
Jan. 8: (no spend!)
Jan. 9:
Jan. 10:
Jan. 11:
Jan. 12:
Jan. 13:
Jan. 14: (no spend!)
Jan. 15:
Jan. 16: (no spend!)
Jan. 17: $19.90 UPS (should have planned ahead + spent $0.41 USPS)
Jan. 18:
Jan. 19: (no spend!)
Jan. 20: overbudget on groceries
Jan. 21: (no spend!)
Jan. 22:
Jan. 23:
Jan. 24:
Jan. 25: (no spend!)
Jan. 26:
Jan. 27:

GOALS:
* Less than $100 in frivolous spending: month to date $19.90
* At least 25 days (no spend or spending w/in budget): 25/25
* Avoid Target: 27/31
* Pack snacks/water for outings: 27/31
* NO library fines: month to date $0
* Stay within grocery budget: $555.85/$430
post #1033 of 1124
Okay, mamas, confession time. I crashed big time. I lost track of what I was spending money on, started charging on the credit card, went out to eat when we couldn't afford it (and put it on the card), and just generally have a knot in my stomach. Next month is a three-paycheck month for DH so we'll be okay, except for the amount that's on our credit card now. I don't know how we'll pay that off, except that DH will get a bonus in May and we will hopefully be getting that rebate from the government.

Ugh. I feel awful. We have no money in savings (aside from a few thousand that's earmarked for my stepdaughter and son) -- I feel like we're one major emergency away from disaster.

Amid all this I've been seeing some natural health practitioners in the hopes of regulating my cycle/getting super healthy so I can get pregnant. I don't want to give this up. So I need to STOP CHARGING STUFF, start shopping from our pantry, track every penny, and stay on top of spending.

I am coming back in February with a vengeance.
post #1034 of 1124
no spend, dh took the car and it's : so the girls and I just hung out at home and baked cookies

~~~~~~~~~~~~~~~~~~
Jan 1
Jan 2 snacks
Jan 3
Jan 4
Jan 5 drinks
Jan 6 medical $14, (household $12- reimbursed), vacation spending $11
Jan 7 fast food (vacation money) $14
Jan 8 groceries and snacks for plane $20, $25 for overweight bag
Jan 9
Jan 10
Jan 11 $15 (personal spending) wine to take to a friend's house
Jan 12 groceries, in budget
Jan 13 $10 dinner with friends (personal spending)
Jan 14
Jan 15 groceries and gas, medical visit and supplements, in budget
Jan 16
Jan 17 hair gel for dd
Jan 18
Jan 19 $60 at hfs for dd
Jan 20 sent dh for a 7up for me, plus a few forgotten groceries
Jan 21
Jan 22 $8 mcd; a lot of money at the grocery store
Jan 23 : flat tire repair
Jan 24
Jan 25
Jan 26
Jan 27

Key: true no spend in budget unplanned/unbudgeted

The plan:
True No Spend Days 13/15
Jan 1-9: $83/$100 total vacation spending on anything I wish
Jan 10-31st:
Grocery shopping (<$75) and gasoline once a week only
Personal spending: $33/$25- it's gone, baby, gone
DD2 Birthday: 0/$TBD
post #1035 of 1124
I am both amazed at how terrible we're doing and also how many times I've chosen not to buy something because I am trying to be more responsible.

I actually am working very hard on saving money on groceries (we usually spend around $1,000 a month). So although we will go about $1000 a month again, we should see a big difference by March because right now I am doing very well not buying things we don't need and instead I am stocking up on sale items in bulk. Plus we're paying a lot of game day groceries this month. So it's a false number below.

Feels good! Not that I WANT to spend money, but I know in the long run it's helping when I've paid $150 for an item that usually costs us $3.49 or bought and froze 3 tri tip steaks we love for 40% off.

KEY:
=made money
=not one dime spent that day!
=necessary spending
=unecessary spending

1/1: $246 groceries + household ($82 saved from sales), $4 soda + $6 eBay, $5 sold on eBay
1/2: $15 groceries, $240 basketball sign-ups $20 sold on eBay
1/3: & $102 groceries + household + health (meds and copay), plus rent paid, $27 clearanced kneeling pad, toys, gingerbread kits, $2 sold on eBay
1/4: Not one dime spent. $6 sold on eBay.
1/5: $20 groceries, $5 boys' allowance, $25 boys' bowling
1/6: $3 soda and M&Ms
1/7: $97 groceries $7 soda
1/8: $7 fast food, $4 coffee $9 Boirons colic relief
1/9: $7 fast food, $3 soda and M&Ms $30 school lunches for oldest, 50% off clothes for Lachlan in several sizes $74
1/10: $5 Skittles and M&Ms
1/11: $20 groceries, $20 domain name renewals
1/12: $56 groceries (saved $17) + $14 chlorophyll and Boirons, $5 boys' allowance, $4 soda and M&Ms, $25 boys' bowling
1/13: $20 laundry + hygiene supplies
1/14: $17 fast food, $12 dog food
1/15: $3 junk food
1/16: $65 junk food and dinner out, $6 play date, $10 shipping
1/17: $14 (minus shipping) sold to DDC mama, $14 sold on eBay, $5 junk food + $6 fast food
1/18: $5 sold to DDC mama, $28 sold on eBay, $3 junk food + $7 fast food, $3 eBay
1/19: $15 sold on eBay, $9 waters/soda, $70 first trip to Whole Foods, $46 pizza for entertaining
1/20: $80 game day groceries, $55 gas
1/21: $21 fast food, junk $5 groceries
1/22: Hubby given $200 American Express card from work, $25 pizza, $3 junk, $7 Starbucks for LLL meeting
1/23: $15 soda and junk
1/24: $20 fast food, $3 junk
1/25: $250 groceries, $2 junk
1/26: $100 baby gear and gifts, $18 boys' bowling, $40 replacement DVD player, $95 work shoes and pants, $47 dog food $33 baby stuff, $50 dinner out, $3 school lunch, $8 food out
1/27: $5 junk, $30 eBay $65 groceries
1/28:
1/29:
1/30:
1/31:


-- Track grocery spending $949
-- School lunches T: $30 flat, J: $9.50/$17.50 in the acct, A: $14.00/$12.50 in the acct
-- Track frivolous spending: $408
-- Track health expenses (meds, supplements, co-pays): $55
-- Track household spending: $73
-- Track clothing/hygiene/pets/gas/shipping not already paid for/other supplies: $478
-- Track activities for the boys: $6 playdate Jack, $240 Basketball for all, Bowling league every Saturday for boys: $68/$100
-- Track extra income: $309
-- Track allowance given to kids: T$6, A$0, J$6

-- No bank fees 25/31
-- No fast food 14/28
-- No eating out/ordering in 23/28
-- No buying drinks or snacks 12/28
-- No unnecessary spending days 6/23
post #1036 of 1124
1/1
1/2 : 20.67 groceries all budgeted!
1/3
1/4 45.15 co-op
1/5
1/6
1/7
1/8 : $45.00 Ballet for dd (Budgeted!)
1/9
1/10
1/11
1/12
1/13
1/14 $22.00 Co-op
1/15 $10 class
1/16
1/17 $20.00 clothing, $5.50 DVD, $21.99 ebay
1/18
1/19
1/20 $41.54 ebay, : $110.47 textbook
1/21
1/22
1/23
1/24 $91.00 a bunch of coops, $6.00 DS
1/25
1/26
1/27

January Spending goals:
No Spend days: 21/27
No etsy/DS/ebay: 24/30
Non-necessary Spending: $236.18/$150

December totals:
No spend days: 20/18
No DS, Etsy, DT: 31/27
Non-essential spending $85.20/$200



Key:
true no-spend day
: spend within budget
spend day
post #1037 of 1124
Jan 1st- 52.00 at Target for Christmas items for next year (75% off ) Also paid the bills for the next 2 weeks .$ 20.00 gas in Dh car .
Jan 2nd - No spend and no leaving the house today
Jan 3rd - No Spend we did drive to home depot to look at doors and windows .
Jan 4th - Drs in the monring then then we went and got food for the house spent 24.00
Jan 5th - gas fo rmy van and christmas money spent for the month (we have a monthly christmas budget )
Jan 6th no spend
Jan 7th no spend
Jan 8th no spend for me Dh is picking up his Gi Bill Money tonight and buying his school books to the tune of 450.00 BUT this isnot out of our budget at all so I am calling it a No spend day !
Jan 9th I am using the rest of the Gi Bill money to pay of IRS bill verizon cell phone and tithe then I went to Target and Spent 23.00 on diapers, dishwasher soap and wipes lots of coupons . Dh got 17.00 in gas
Jan 10th No spend
Jan 11th No spend
Jan 12th and 24.00 extra towards the dentist fund
Jan 13th 88.00 on grociers
Jan 14th no spend
Jan 15th Life insurence , auto savings draft, DVC payment (LAST PAYMENT !!!)
Jan 16th car insurence , house phone , car payment , greenbriar(LAST PAYMENT), decided not to eat out made 13.00 for dentist , 20.00 on gas 10 for me 10 for dh
Jan 17th no spend and another 25.00 for the dentist fund Dh is pulling out the money for gas , food and oil change out of the bank but none of it is being spent today .
Jan 18th No spend I had to work Friday night
Jan 19th Paid for Angel food for next month 30.00 and 20.00 for gas for dh car
Jan 20th ate out 17.00 and grocery shopping 27.00 oh 20 gas for van, and 5.00 for DH haircutt (coupon)
Jan 21st no spend
Jan 22nd no spend today and we are in for the rest of the day
Jan 23rd already today ! I went and got 6 bottles of shampoo 5 things of deoterant , 2 boxes of tea bags , 2 things of rice , 2 things of hard taco shells for 16.00 . 37.00 at publix 10.00 on gas for van
Jan 24th 230.00 to the dentist more work had to be done 20.00 given to a Friend for food for my kids, gas for her for picking my kids up from the hospital so I could focus on my 3 yr old . 10.00 gas for dh car
Jan 25th 5.00 at Mcdonalds , 32.00 Rib place for dinner , 60.00 on filing taxes
Jan 26th 12.00 Leather jacket for my Dh -he has no winter coat and Jcpennys had a HUGE sale on just about everything . 27.00 on mailing something to the closing lawyers to sell a good chunck of debt !
Jan 27th we went out to eat agian uggggg 40.00 , 23.00 gas and 2 newspapers, 32.00 food for the house
Jan 28 we have no car so no spend

Goals :
15/20 No spend Days
12/11 Spent in Budget
157/137 On gas for the whole month
1/2 = 94.00/40.00 eating out days (1 at church and 1 while waiting for the evening service )
Save 171.00/160.00 for the dentist
Pay off 1 credit card (I did pay off Verizon, IRS Bill and greenbriar Apartments and paid 520 towards a cc )

UGGGG Dentist was 59.00 more then I had


Key :
No spend
Spent in Budget Money
Unbudget /unneeded Money yuck 2 of these !
post #1038 of 1124
Better day yesterday. Basically just church donations and coffee.

Jill

1/1 No Spend
1/2 $13.09 at Subway (lunch w/hubby) $5.37 coffee; $239.58 groceries; $24.50 new shoes (I guess the coffee and shoes would be frivolous )
1/3 No Spend
1/4 $5.22 postage for New Years cards; $23.54 DH's purchase; $130.19 nutritional supplements (this is excessive because I was out of everything); $66.84 milkman; $1.92 coffee (frivolous spending)
1/5 $25.00 for dd's basketball league; $6.39 DH picked up dollar gifts for holiday party tomorrow (He went to Target for these gifts.)
1/6 $2.45 coffee (frivolous spending)
1/7 No Spend
1/8 $32.00 bowling fees
1/9 $22.83 milk man; $11.00 dh bowling fees
1/10 $63.00 gas; $8.68 coffee and snacks for kiddos (frivolous )
1/11 No Spend
1/12 $1.92 coffee (frivolous); $14.77 pizza for kids dinner (not sure what this should be) $28.00 babysitter
1/13 $6.81 coffee and juice (frivolous); $177.87 groceries
1/14 $42.00 ds bowling league dues; $1.82 light bulbs from $ store
1/15 $20.00 co-pay at clinic; $12.00 drug store for prescription; $20.79 library fines :; $7.00 snacks at the bowling alley (frivolous )
1/16 $2.34 coffee (frivolous); $50.00 gas; $34.35 dh brought kids to bowling with him, so some of this is planned ($11.35 was for candy/pop for kids - frivolous )
1/17 $24.73 milk man; $8.00 coffee and snacks for kids (frivolous)
1/18 $73.38 Chiropractor
1/19 $70.00 frivolous this-n-that.
1/20 $22.00 babysitter; $20 church tithe; $6 free-will offering
1/21 $2.00 dh tip at lunch; $72.37 groceries; $27.79 diapers from Amazon
1/22 $9.00 pizza (frivolous)
1/23 $14.29 Schwan's order (groceries?)
1/24 No Spend Finally!!!!!
1/25 $2.50 coffee (frivolous)
1/26 $4.38 coffee (frivolous) $60.00 gas; $100.17 clothes; $6.93 thank you cards; $181.58 groceries; $20.00 church donation; $5.00 dh's scratch off lottery tickets (frivolous; too bad we didn't hit the jackpot) $24.02 lunch w/dh and the kids
1/27 $25.00 church donations; $4.70 coffee (frivolous)
1/28
1/29
1/30
1/31



My goals for January:
Groceries: $800.11/$600
Gas: $173/$200
Frivolus Spending: $175.92/$100
No Spend days: 5/15
Stay away from stores (grocery and Big Box): 22/27
No Credit Card use: 27/31
2x eating out with hubby: 2/2x
22 hrs decluttering home: 3.5/22
post #1039 of 1124
The Home Stretch!

The weekend was pretty good. Saturday we went with DD, DH, MIL, SIL, BIL and my nephews to a free art & activity center sponsored by Hallmark Cards. We did go out to lunch afterward, but MIL paid. We did get the tip, though.

On Sunday, DD and I went to the zoo, because the temps were above freezing. We have a membership, and I pack an awesome lunch. Cheese, crackers, sausage and a couple tangelos. The cheese and sausage were even leftovers from other dinners. We sat in front of the tiger cage, eating our faux Lunchables.

I also watched one of my movies that I got free from a swapping site. However, now I'm paying postage to send it to someone else. I'm holding it until Feb, so it can go on that month's postage budget.

This morning I needed to get some snacks for a going-away party. I made some fruit dip with some items on hand, and am brought apples from home. But I need grapes and strawberries. However, my supervisor forgot her part, so she's just paying me $5 to "cosponsor" my snack. Ha! This is going to wind up being pretty cheap for me.
post #1040 of 1124
Thread Starter 

2 more days...I just need 2 more...

Goal: 20 no-spend days. 18/20

01..
02..
03..
04.. $9 Wendy's
05.. $3 Starbucks
06..
07.. $24 chocolate & Subway
08..
09.. $10 McDonald's
10..
11.. $8 McDonald's
12..
13..
14..
15.. $84 paint, pictures, bunnies
16..
17.. $33 Book club dinner
18..
19.. $2 picture frames
20..
21..
22..
23.. $7 Subway
24..
25..
26..
27.. $28
28..

Tally of evil: $208

My goal is to not add to that $208...just to keep it the same until Thursday...

Today we are home for the day, tomorrow is pool day, and Wed and Thursday we are going to playgroups...if I can just keep us busy and out of the stores I think we can do it.
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Mothering › Mothering Forums › Natural Living › The Mindful Home › Frugality & Finances › January No-Spend Challenge -- Day of Reckoning. How did you do? What will you change for next month? Congratulations for sticking with us to the...