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**June No- Spend Challenge** - Less than a week to go! Let's finish strong!! - Page 9  

post #161 of 494
6/8/08 at 3:10am
This month is just not going as planned so far! I want more !!!

1: : $10 lunch w/ sister
2:
3: 48.93 on hubby's early birthday present, 1.75 bus fare
4:
5: : & on some paper and wipes - total of 14.38
6: : 4.00 video rental, 4.25 on wine for my sister (who claims she will pay me back in a week), and 1.00 for parking when I went out to lunch with my dad - no big deal, he bought me lunch
7: : 12.83



Truly no spend!
: Groceries
Necessary or planned spending
: unnecessary spending
$0/$450 budgeted baby spending
post #162 of 494
6/8/08 at 3:34am
Don't even want to think about what we have spent in gas the last few days, but all of the trips have been necessary. Thought we had a full-fledged visit from Murphy yesterday when I came a little too close to a tree while backing out of the driveway, leaving the Subaru's sideview mirror hanging. Luckily, DH was able to pop it back on - it is not 100% fixed, but thus far it is staying on the car and looks almost normal.

Kim

June 1:
June 2:
June 3: Library fines ($12.20)
June 4:
June 5:
June 6:
June 7:

GOALS:
* Less than $50 in frivolous spending: month to date $12.20
* At least 25 days (no spend or spending w/in budget): 6/25
* Pack snacks/water for outings: 7/30
* NO library fines: month to date $12.20
* Stay within grocery/eating out budget: $183/$500
* ORGANIZE/declutter (lack of organization = spending): 6/25
* Exercise (feeling good = decreased emotional spending): 5/25
* Meal plan created: 0.30/4 weeks
* Sell rental house by 8/31 - tenants out 6/30; push hard in July...
post #163 of 494
6/8/08 at 11:22am
: I so need this!

For the past 2 months I've recorded every penny of spending [including necessary purchases.]

My problem? I do have money left over and can't seem to save it.

I have no self control. Ugh!!

Another problem is that I haven't sat down and gone over the last few months of spending which I know I really need to do in order to see where the leaks are and what I can cut back on.

I don't really have a plan for now so guess I ought to get busy and make one, huh? *lol*

Love,

Jen
post #164 of 494
6/8/08 at 11:25am
June 1 -
June 2 - Groceries $165
June 3 -
June 4 -
June 5 - $107 Shoes for dd1 & dd2, $4 Snacks after swimming, $13 Lunch, $54 sippy cups (got a good deal so I bought a bunch), $79 clothes for me and $135 groceries
June 6 -
June 7 -
June 8 - $27 shipping, $13 for photo prints



No spend days 5/20

Key:

No spend
budgeted/necessary spending
frivolous/unbudgeted spending
post #165 of 494
6/8/08 at 12:50pm
06/01
06/02
06/03
06/04
06/05 $5.50 Swap shipping
06/06
06/07
06/08

No money to spend today so I guess I'll just give myself a early.

Goals
7/21 No spend days
$5.50/$125 Unnecessary spending
$200/$300 Car repair bill.
post #166 of 494
6/8/08 at 1:47pm
Wow girls, you're doing great! Keep up the good work.

Love,

Jen
post #167 of 494
6/8/08 at 1:58pm
Tracking:
6/1:
6/2 $34 on gas, $35 for a used sand and water table (planned purchase)
6/3 : $56
6/4 : $12, $32 on breakfast out with STBXH and Kaylee
6/5 :
6/6 $45 at the DOL to get my license; $7 at taco bell (I was hungry and I hadn't eaten there in two years)
6/7 :
6/8 $11 at the book store when selling some used books, and $26 for dinner with STBXH and Kaylee.

Goals:
No spend days: 3/20
Food spending: $101/$200 for the month (I need to use up my pantry before I move)
Moving Expenses: $400 (I think I can do moving cheaper, I'm just not sure.)
Clothing for K: Rainboots
Any money I make from my yard sale this weekend or selling stuff on craigslist will go toward debt repayment. ETA: I made $269 woohoo!
post #168 of 494
6/8/08 at 3:22pm
01..
02..
03.. $7.07 Subway
04.. ,
05.. $7.80 School BBQ,
06..
07..
08..

Goals:

6/20 No spend days
7/30 Fast Food Free days
2/10 Let the car rest days
$14.87/$100 Unnecessary Spending
post #169 of 494
6/8/08 at 4:54pm
So DH and I discussed and I will be applying to nursing school for Fall of 2009! I'm so excited...things will be tight for awhile, but it'll so be worth it! So super motivated to pay off the credit cards and live as many no-spend days as possible!
post #170 of 494
6/8/08 at 8:35pm
6/1: Donated flowers for town hall $36/ Flowers for me $28.29
6/2:
6/3:
6/4:
6/5:
6/6:
6/7: Farmer's mkt. and grocery ~$255/ Pool toys $2
6/8:

No Spend
Budget Spend
Over Budget
post #171 of 494
6/8/08 at 9:07pm
My key:

:= groceries
:=gas
=spending other than gas or groceries
=no money left my hands

6/1-
6/2- $35 nails, $7.23 on Pita Chips, and McD's and Sonic shake
6/3-
6/4-
6/5- $44 CVS for Stupid Clomid and some maxi pads $9 movie
6/6-: $40 gas, $15 Ruby Tuesday
6/7-
6/8-
post #172 of 494
6/8/08 at 9:35pm
Quote:
Originally Posted by Clutterbug Jen View Post
: I so need this!

For the past 2 months I've recorded every penny of spending [including necessary purchases.]

My problem? I do have money left over and can't seem to save it.

I have no self control. Ugh!!
Hi Jen,
I'm just starting this month's no spend challenge as well, but I wanted to say that we never were good at saving money so we went with an automatic transfer from our checking to our savings every two weeks. If it's not there to spend, it doesn't get spent, you know??

good luck and welcome!
post #173 of 494
6/8/08 at 10:37pm
GOALS:
6/25 no unnecessary/budgeted spending
2/12 no gas days
stay within budget on groceries/spending/etc.
save my weekly spending to buy needed items
start an emergency fund
pay off homeowners claim $2000 paid!
no debit card unless planned

1... , :
2... , :
3... , : $32 at Whole Foods, $7 at Farmer's Market, $100 at dentist for son, $190 to nature center for camp for son
4... , $300 to open savings account
5... , 2.85 in downtown parking for splash park, $20 sent to sister for Father's Day, $20 co-pay for partner
6... , : $70 for groceries, $42 oil change and tire rotation
7... $24 at blueberry farm for 10 lbs. of blueberries and raw honey ; $22 at Target for groceries and TP. I went over the grocery budget by $12
8... $10.70 at Taco Cabana (technically in the budget but unnecessary), $9 at grocery store on debit card, $2 donation
9...
10...

KEY
No unnecessary/over-budget spending
Unnecessary/over-budget spending
: no gas days
stayed within budget
: Groceries within budget[/QUOTE]
post #174 of 494
6/8/08 at 10:45pm
june 1:
june 2:
june 3:
june 4:
june 5:
june 6:
june 7:
june 8:

week 2: 57$
40$ remaining for the month

(the budget is 75$/week for food, transportation, outings, etc, 100$ a month for clothes, gifts, craft stuff, etc)

march: 48% no-spend days
april: 56% no spend days
may: 52% no-spend
post #175 of 494
6/8/08 at 11:34pm
Honest-to-goodness no-spend today...

Kim

June 1:
June 2:
June 3: Library fines ($12.20)
June 4:
June 5:
June 6:
June 7:
June 8:

GOALS:
* Less than $50 in frivolous spending: month to date $12.20
* At least 25 days (no spend or spending w/in budget): 7/25
* Pack snacks/water for outings: 8/30
* NO library fines: month to date $12.20
* Stay within grocery/eating out budget: $183/$500
* ORGANIZE/declutter (lack of organization = spending): 7/25
* Exercise (feeling good = decreased emotional spending): 6/25
* Meal plan created: 0.30/4 weeks
* Sell rental house by 8/31 - tenants out 6/30; push hard in July...
post #176 of 494
6/8/08 at 11:34pm
Thread Starter 
Quote:
Originally Posted by Clutterbug Jen View Post
: I so need this!

For the past 2 months I've recorded every penny of spending [including necessary purchases.]

My problem? I do have money left over and can't seem to save it.

I have no self control. Ugh!!

Another problem is that I haven't sat down and gone over the last few months of spending which I know I really need to do in order to see where the leaks are and what I can cut back on.

I don't really have a plan for now so guess I ought to get busy and make one, huh? *lol*

Love,

Jen
Welcome Jen! Saving is hard. One of the things I have found helpful is to transfer my money to an ING account at the end of every month. It takes 2-3 days to transfer the money out of that account so I am lest tempted to take it out! You CAN do it!!

Quote:
Originally Posted by Om Girl View Post
So DH and I discussed and I will be applying to nursing school for Fall of 2009! I'm so excited...things will be tight for awhile, but it'll so be worth it! So super motivated to pay off the credit cards and live as many no-spend days as possible!
Congratulations!!!

Quote:
Originally Posted by CKinAK View Post
Hi Jen,
I'm just starting this month's no spend challenge as well, but I wanted to say that we never were good at saving money so we went with an automatic transfer from our checking to our savings every two weeks. If it's not there to spend, it doesn't get spent, you know??

good luck and welcome!

Welcome CKinAK! We are happy you joined us! Have a great month
post #177 of 494
6/8/08 at 11:41pm
Quote:
Originally Posted by Om Girl View Post
So DH and I discussed and I will be applying to nursing school for Fall of 2009! I'm so excited...things will be tight for awhile, but it'll so be worth it! So super motivated to pay off the credit cards and live as many no-spend days as possible!
Kudos to you for making the commitment to wipe out cc debt and save before beginning nursing school! My DH is working on his RN now, and I wish we had planned a little better financially. We have been able to pay cash up 'til now (the past year he has been knocking out pre-reqs, A&P I/II, etc.), but this Fall will be full-time nursing program, and I am trying to figure out how we can swing it without taking on loans.

Kim
post #178 of 494
6/8/08 at 11:54pm
So I haven't read the whole thread yet, and I'm joining late, but I'd like to join. I need to be accountable to someone besides myself, DH has no interest in finances We have credit card debt and DH is separating from the military in December so we need to build up some savings before then. I look forward to checking in. Thanks for being here!
post #179 of 494
6/9/08 at 12:31am
Quote:
Originally Posted by FeelingBlessed View Post
Kudos to you for making the commitment to wipe out cc debt and save before beginning nursing school! My DH is working on his RN now, and I wish we had planned a little better financially. We have been able to pay cash up 'til now (the past year he has been knocking out pre-reqs, A&P I/II, etc.), but this Fall will be full-time nursing program, and I am trying to figure out how we can swing it without taking on loans.

Kim
Kim-any words of advice from you or your DH for surviving full-time school with a family?
post #180 of 494
6/9/08 at 12:45am
Okay, so I realized we ate out the pantry so much last month and ran out of so many things that we've already nearly spent our grocery budget this month. Anyway, I decided that I'm just going to finish the shopping tomorrow (few more things we need from Target) because I've had such a bad run and then I can focus on NOT SPENDING ANYTHING the next few weeks.

1: : $10 lunch w/ sister
2:
3: 48.93 on hubby's early birthday present, 1.75 bus fare
4:
5: : & on some paper and wipes - total of 14.38
6: : 4.00 video rental, 4.25 on wine for my sister (who claims she will pay me back in a week), and 1.00 for parking when I went out to lunch with my dad - no big deal, he bought me lunch
7: : 12.83
8: : 73.24



Truly no spend!
: Groceries
Necessary or planned spending
: unnecessary spending
$0/$450 budgeted baby spending
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Mothering › Forums › Natural Family Living › The Mindful Home › Frugality & Finances › **June No- Spend Challenge** - Less than a week to go! Let's finish strong!!