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**July No-Spend Challenge** - It's the last week of July! Finish strong!! - Page 3

post #41 of 662
Quote:
Originally Posted by 1growingsprout View Post
JULY GOALS

NO book buying 0/31
NO clothes buying 0/31
Kathryn clothes 0/50
NO drive days 0/7
NO dryer useage days 0/10 this is going to be a killer. i will have to plan the laundry.
I just realized DD Kathryn needs a few more summer clothes. Her budget is $50 at target. That 'should' get her 3 outfits and a new swimsuit. I am going to wait until the weekend when they should have after 4th july clearance.

I finished returns at the mall today and while i did exchange at gymboree i still rec'd a credit to my card. DS7 got 2 new shorts for $20 but i still got $40ish back. Kathryn isnt much of a gymbo gal anymore so target it is.

August i will budget for underware/socks etc but only if the back to school sales are super, otherwise i can hit the clearance later in october or so. its HOT here all fall.
post #42 of 662
I'm in again. June was better. Hoping July is great!!
post #43 of 662
I am SO HERE for July. I know I've bombed the last couple of months, but I *need* to do this now. We're officially broke.

Can't wait to get started!
post #44 of 662
I just found a new reason to be here!! (See siggy.) I'm going to be here for several months at least! And in the decluttering and organizing forum, so we can make room for the new babe.
post #45 of 662

I have tried and tried but never made it through a whole month of the no-spend challenge...

But I am really going to try this month!!

June was a crazy expensive month and I want to cut back on my uneccesary spending.

But, I do have 2 events that I need to buy clothes for. And I am going to add money for a phone into the budget.

Plan:

Eat out less! 0/5
Only menu planned groceries 0/4
No spend days 20/30

Good luck, mamas!
post #46 of 662
Quote:
Originally Posted by Fiestabeth View Post
I just found a new reason to be here!! (See siggy.) I'm going to be here for several months at least! And in the decluttering and organizing forum, so we can make room for the new babe.
Congrats, Mamas!!! How exciting.:
post #47 of 662
I am finally joining after months of watching and waiting for the right time. NOW is definitely the right time. I'm ready, willing and very excited.

My name is Jamie I am a sahm to two rowdy boys. We just moved into a new house two months ago and the spending was really up. But now we are needing to tone things down and keep it that way. We will be coming into $4000 this month (maybe a little more or little less) but we really need a plan for it and to stick to it. So here goes:

$1000-CC
$1000-to mil for past loan
$1000-pay off personal loan
$500-fix awful sod job that builder did (including planting a tree
$200-wood and nails/screws for dh's next building project (platform bed for us)
$200-deep freezer
$100-bills

Goal: 20 NO SPEND DAYS. I have no idea if that is a lot for us or not, but it is my goal.
post #48 of 662
Quote:
Originally Posted by leomom View Post
Congrats, Mamas!!! How exciting.:
Thank you.
post #49 of 662
Okay, I'll try again.

My goals? No extra spending. Save as much as possible. And to remember to come on daily and list spending.

1)
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post #50 of 662
1. My name is Kim; our family includes DH, DD (12/03) + DS (9/06). I am PT WOH/PT WAH/PT SAH; DH works FT + is in nursing school; kids are always with one of us, so our schedules are nutty (but this is NOT an excuse to call for takeout or buy lots of easy foods - just need to be more organized).

2. Continue attacking the debt snowball.

3. Game plan:
* INCREASE income - continue to develop businesses + freelance writing
* SELL rental house - ideally by end of July, but definitely by end of Aug.
* Sell/donate unneeded items
* Work out a meal plan - really, I NEED to do this - June was NOT the month - perhaps July?
* Pack snacks + water whenever we go out
* No more late library materials! (After the late ones we currently have out...)
* ORGANIZE! Majority of overbudget/frivolous spending can be prevented with improved organization.
* Exercise: feeling good = decreased emotional spending

GOALS:
* Less than $50 in frivolous spending: month to date $0
* At least 25 days (no spend or spending w/in budget): 0/31
* Pack snacks/water for outings: 0/31
* NO library fines: month to date $0
* Stay within grocery/eating out budget: $0/$500
* ORGANIZE/declutter (lack of organization = spending): 0/25
* Exercise (feeling good = decreased emotional spending): 0/25
* Meal plan created: 0/4 weeks
* Sell rental house by 8/31 - push hard in July...

Past Progress:
June '07: 20 days; $210.42 frivolous; $519.54 groceries; $117.55 eating out
July '07: 16 days; $325.62 frivolous; $825.40 groceries; $112.84 eating out
Aug. '07: 23 days; $144.47 frivolous; $593.09 groceries; $643.07 eating out
Sept. '07: 22 days; $128.37 frivolous; $598.19 groceries; $121.48 eating out
Oct. '07: 25 days; $139.55 frivolous; $472 groceries; $129.55 eating out
Nov. '07: 25 days; $192.50 frivolous; $608 groceries; $101 eating out
Dec. '07: 28 days; $55.20 frivolous; $503 groceries
Jan. '08: 27 days; $19.90 frivolous; $555.85 groceries/eating out
Feb. '08: 18 days; $131.80 frivolous; $668 groceries/eating out
March '08: 28 days; $19.40 frivolous; $500 groceries/eating out
April '08: 24 days; $39.16 frivolous; $768.65 groceries/eating out
May '08: 21 days; $53.41 frivolous; $920 groceries/eating out, 23 Organize/Declutter days, 26 Exercise days
May '08: 21 days; $137.20 frivolous; $621 groceries/eating out, 17 Organize/Declutter days, 23 Exercise days
post #51 of 662
I've been thinking, and I think I'll try to borrow clothes for the occasions I have this month instead of buying. And I'll wait on the phone. This is working already!
post #52 of 662
hi, i'm josy. i have two little dudes and a big one. we're mightily low income so we need to keep spending to a minimum.
i don't have high hopes for this month for the following reasons:
  • it's hot. our house does not have a/c and spending all day cooped up in the steaming heat makes us really cranky. plus i have to keep the kids quiet all day, since their dad works nights and needs to sleep. this is a recipe for disaster. so i tend to take them out. anywhere with a/c will do. i've spent hours wandering the aisles of the (small) grocery store up the street, then left with one cucumber. but typically my quest for a/c involves bus fare and other expenses. (the mosquitoes are insane here, playing outside is a bad idea)
  • we're going to see dp's family at the end of the month. dp gets all weird about proving to them that he's succeeded, and for him that means buying them all gifts. stupid crap we can't afford. we're working on this and he's better than he once was, but still... in the meantime i'm knitting gifts for his family so he has less of an excuse to go out and buy them all stuff.
  • i'm trying to get the upstairs set up for housing international students. this would be great for our cash flow problems. but it means buying the supplies for some repairs, a bed, a couple of desks, a couch... i'm doing it as cheaply as i can, but some money will be spent.
  • my birthday is this month. dp tends to overspend a great deal on gifts for me. i tell him i want a ball of sock yarn, he comes home with a coffee table book on U2 that cost 40$, plus two cd's and a dq cake. um... thanks? i've been trying to convince him that less is more...
i'l re-evaluate my budget in a week and see how it needs to be adjusted. and starting this month i'll keep track of extra money coming in.

week 1: 27$
100$ 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
june: 33% no-spend
post #53 of 662
Okay, I'm in. I never catch these in the beginning, so I'm all psyched this time around! Rather than setting a specific goal, I'm just going to see how many days I can go without spending anything unnecessary.

For me, necessary includes food, medicine, pet food, gas, bills and rent. There are other necessary things we might end up having to spend money on: car/house maintenance, veterinarian, clothing, etc. But, for the most part, just the list above.

I'd love to try giving the car a rest as often as possible, but we only have one car and three jobs between us, as well as a lively little one who has his own set of important expeditions that are completely necessary to him. So, I'll just be focusing on spending.

Good no-spending vibes for all! :
post #54 of 662
Thread Starter 
Introduction
I am a WOHM to 1DS and a Student DH. Last month wasn't so great so I am back on the wagon. We need to save, pay toward debt ($5,915.92 - agh!) and make sure our vacation budget is enough for our anniversary trip.

Plan
We are trying to accomplish our goals by working on a cash budget. I am going to try and leave the debit card at home so I don't do any overspending.

I am also trying to start my own business and need to spend time on it EVERY DAY.

Goals
Specific goals...

Total Overspend: $0 :
No Spend Days: 0/20
Debt Payment: $0/$400
30 minutes/day on business 0/31 :


Past Performance

June
Total Overspend: $549.61
No Spend Days - 11/20
Debt Payment $200/$400

May
Total Overspend - $323.01
Total No Spend Days - 19/15
Pay $400 toward debt - $1,176.27 / $400

April
Total Overspending $700.00
Total no spend days - 13/30

March
Total overspending $478.33
Total no spend days - 20/31

February
Total overspending $666.45
post #55 of 662
I'll play again

1. Please introduce yourself and tell us why you have decided to spend nothing (or spend significantly less) for the Month of July.

My name is Carla and I love to shop : That's an understatement. I derive too much pleasure from it, it's something I do when I'm bored, I love to shop!! We can't afford it. We need to build our savings back up from buying a car and having a lot of other unexpected expenses. Dh isn't making much money right now. We had $100 cut out (gov't daycare benefit; my spending money) and our CCTB will probably be going down, so even less money. I also want to try to kill the buying beast within me, to teach the kids we don't have to spend money to have fun.

2. 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 plan to stay out of my weakness areas. Superstore, my favorite store, sucks me into buying so I am just not going to go (it's one of those "grocery stores" that sells everything under the sun). If they have a great sale, I'll send DH in to get the items I want to get since he has greater resolve. I will plan what I buy from the other stores since I will need some canning supplies and bulk items from Bulk Barn. I need a pair of shoes and some new rechargable batteries, plus we'll be taking a mini vacation (overnighter but I don't plan on overspending), so those are exempt. I will make and keep a list of things I need to get!

3. Be specific! What are your goals? How many no spend days is right for you? Do you have a savings goal? Debt repayment goal?

My main goal is to have me realize that I am in control of my buying habits. I don't *have* to shop unnecessarily. I can't make a saving goal since I don't even know what DH is making, or even if he will be at the end of the month. Also to save as much as we can.

ETA: I am a "prepper". That means I stockpile and load up on good sales of things we need/use for future use. I will be doing menu plans and try to save by using what we have and stock up on what we need. I will be doing jams this week, which means I need to buy berries and I need some more pectin. I did my menu plan for this week and will make one each Saturday with what we have on hand and what's on sale (produce) or in season. This will save a lot of grocery money and prevent a lot of waste.

I will aim for 20 no-spend days. I think that's a reasonable amount to get myself back into the swing of things
post #56 of 662
Thread Starter 
Congrats FiestaBeth!

Welcome to the newbies! We are so glad to have you
Welcome BACK to the regulars

Don't forget to post your goals! Truly this is one of the best thing about this thread and keeping each other accountable
post #57 of 662

1. Please introduce yourself and tell us why you have decided to spend nothing (or spend significantly less) for the Month of July.
I am due in 11 days (or whenever she decides to arrive)-our income will be cut by about 1000 per month until I go back to work. Also, out house hasn't sold yet, and we are able to pay the morgage, but we were hoping to be in a less expensive space by now.

2. 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? Baybymoon! If I don't leave I can't spend. Discuss spending with Dp-who is wayyy better at balancing than I am. Read Dave Ramsey, and start doing his financial babysteps which sound great.

3. Be specific! What are your goals? How many no spend days is right for you? Do you have a savings goal? Debt repayment goal? Goals list below:

July Goals:
No unbudget spend days goal 15/30,
No Drive Days goal: 10/30,
No frivolous spending over 100 actual: 0/100
Sold items 0/30-may not be able to do this pending babymoon
Thrift/HB kit items: 0/40
Decluttering/organizing 20 min day 0/24 (allowing for 8mos preggo exhaustion!)
Grocery budget 0/375-Extra for price increase & extra person in household.
Baked/bulk cooking:0/13
Study/Daven daily goal 0/15
post #58 of 662
subbing
post #59 of 662
June went not to badly. This month I really need to work on getting our grocery bill down!

1. My name is Kristine. I am a WOHM on maternity leave for a year. I am Mom to 3 girls 5, 2 and 5 months. With our reduced income I really need to watch what I spend.

I am doing this challenge to keep track of my spending and try to eliminate the frivolous spending I do.

2. My plan:

a) Record all spending
b) Stop buying convenience food
c) Use up the food we have in the house
d) Spend time getting rid of all the excess stuff in our lives

No spend days 0/20

Key:

No spend
budgeted/necessary spending
frivolous/unbudgeted spending
post #60 of 662
So far, so good. I mean, I know it's only noon on the first, but you've gotta start somewhere right?
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