All right, I'm here for month 2!1. Please introduce yourself and tell us anything you think it would help us to know about yourself.
I'm Jamey, not a mama yet but hoping to savesavesave so I can start TTC in 2009. I work full time, and my DP works nearly full time, and have oodles of student loan debt that I need to sort out!! I also live in one of the most expensive cities there is.
:2. Please tell us why you have decided to spend nothing (or spend significantly less) for the Month of April. Memorize these goals and recite them to yourself before all purchases.
We have been spending without keeping track of our money and not putting any away for savings. I'm tracking expenses to create a realistic budget and then see what needs cutting out to pay down debts. Also, I buy too many useless things! One of my major goals for the month is to cut out needless grocery buying. I can waste money at the grocery store like nobody's business!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?April's Plan:
Reduce Overdraft Use to £250.00
Keep track of all my spending and all DP's spending
Organize family finances (join accounts with DP, close one checking account)
Create realistic monthly budget by the end of the month.
Ride bike to work day:
Last Month's Numbers (ready to be beaten!!)
Household Etc: 106.43
Bills Incl Rent: 1514.78
Cell Phone: 60
Eating Out/Fun Money/Reckless Spending on Crap: 286.06
Amount in Savings: 150.00
Amount spent in Overdraft: 413.23
April 1:Gym membership £72.70
Council Tax: £108.86
Water Bill: £29.91
J's Tube fare £5
M's contacts £38.00
Flowers for me £10
(can't complain about surprise flowers from my DP!!)
April 2: Groceries £17.45 (sent DP so was much more than it should have been)
M's phone £5