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~September No Spend Challenge~ Finishing Strong! - Page 2

post #21 of 540

I'm Baaaa-aaaack!

Let's see if I can make it a whole month this time.

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


I'm a SAHM to one. DH just survived one round of lay-offs, but his standing is still tenuous. I'm cutting back on spending so that we can form a safety net to catch us should the unthinkable happen. We also need to make some home improvements so that, if necessary, we can sell our house in this competitive market.

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?

1. Eat in. Cook in the morning, when Dd is in an agreeable mood. The exception will be a standing lunch date that the family has every Tuesday, which ranges from 6-7 dollars at a pizza-by-the-slice cafe. We will pack water and snacks when we have to run errands.

2. Abandon my regular business at the Snooty-Mart and grocery shop instead at the Cheapie-Mart.

3. Strive for 3/7 no-driving days per week.

4. Give up some of our expensive staples--e.g. blueberries , micro-brew beer , pine nuts , need I continue ?

5. For necessary purchases like clothing and household items, check first at thrift and consignment shops, (but only at the ones near my house so that I'm not burning gas)!

6. ETA: Grocery trips will be weekly and not exceed $120.00.


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?


1. $500.00 per month in savings.

2. I'll strive for 7/7 no-spend days, (yes, Virginia, it's possible!) but not beat myself up if I end up with 5-6/7.

Code:

= no unnecessary spending today.
= unnecessary spending today.
: = no-drive day.

September 1: But only a minor faux-pas. I forgot to pack snacks, caved, and bought a 99-cent box of Jelly Bellies!
2nd My, my! We're not off to a good start this month! DD was driving me CRAZY, and I had to get out tonight to work on a speech I'm writing, and only the expensive coffee shops were open. I ended up spending $4.71 at Starsucks.
3rd
4th $110.00 in groceries
5th
6th I'm not sure which face to put up. I needed bras. Did I need the good kind from Victoria's Secret at $132.00 for three of them?
7th $10.00 church collection
8th : Wrote big fat hairy check to mortgage company :
9th $7.00 for weekly lunch date, (feeds three of us!) and nearly $6.00 for a storage caddy for some household clutter.
10th $110 in necessary groceries, $40.00 in necessary gas, $3.00 on an unnecessary latte.
11th : Paid one bill.
12th
13th Sugar-crashed. No food. In car. Needed. Latte. Scone. Now!! $6.33.
post #22 of 540
I'm in!

01.. $74 babysitter and latte
02..
03..
04..
05..

Goals:
0/20 No Spend Days

Not off to the best start, but September is a long month and I'm going to hang in there.

My previous months:

May 2007 = 19 no-spend days with $265 in unecessary spending
June = 19 /$394
July = 15 /$580
August = 19 /$451
September = 22 /$103
October = 20 /$203
November = 19 /$456
December = Fell off the wagon
January = 20 /$216
February = 21 /$190
March = 24 /$189
April = 19 /$402
May 2008 = 22 /$206
June = 27 /$23
July = 20 /$274
August = Fell Off the Wagon
September = **/$**
post #23 of 540
Here we go! Off to a good start

11/01 -
11/02 -
11/03 -



Goals:

- Spend absolutely NOTHING until I get some income
- Get a job :
- Pay off some of CC
- Re-apply for interest relief of student loan
post #24 of 540
Today was a good day!

1. No spend, no drive.

I also made arrangements with three of my credit cards to stop the late fees for 12 months and lower the interest rates. That was a good thing.
post #25 of 540
Quote:
Originally Posted by ladyinred View Post
11/01 -
11/02 -
11/03 -
I had to double check what month we're in.
post #26 of 540
9.1: $20 groceries, $60 gas

__________________________________________________ _______
=NO SPEND DAY
=BUDGETED SPEND
=UNNECESSARY SPEND

I'm going to aim for:
18/30 no spend days.
$20.00/400.00 on food.
16/30 days to the gym=32 hours of exercise! Hopefully drop 10 pounds!
$400.00 to savings.
$2500.00+ to debt reduction (not inc. mortgage).
/1 Eating Out
Total Unnecessary spending =
post #27 of 540
1. Please introduce yourself and tell us why you have decided to spend nothing (or spend significantly less) for the Month of August.

Hi, I'm Camille, on a blessed break between being a student mama and a full-time working mama. We are fortunate not to have cc debt, but our (and I admit, mosty my) spending is out of control most months. I love this thread as a way to keep me "honest" and keep on top of myself on a daily basis.

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?

luckily, we have memberships to the zoo and children's museum, so we always have an option for "free" activities besides library, etc. Pack lunches from home. Cook things we can make extra of, which is cheaper eating anyway. MEAL PLANNING, including what I will cook on which nights which will allow me to ALWAYS send lunch to work with DH easily. Extra motivation: health. DH's triglycerides are high and he's packing a bit of extra weight--I don't want him eating crap take-out for lunch because we weren't organized enough to pack his lunch. Other extra motivation: working toward sustainable living. Do I really need to buy that iced coffee? It's not just about the $2.25 anymore...do I want to buy a #5 disposable plastic cup that is not even recyclable in my community? Having multiple reasons for not spending helps, I think.

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?

I started doing this last month, toward the end of the month, so this is my first month with concrete goals. I'll set modest ones so hopefully I can exceed them!

No spend: 16 days
No unnecessary spending: 26 days
No driving: 5 days

Another "goal" for this month is to at least THINK about how I might decrease our grocery budget. We spend so much $ on groceries--we do buy organic whenever possible but we only eat fish and meat about once a week each and buy almost no processed food, eat a lot of dry bulk beans and grains, etc. I see all these people on here spending like $50 a week on groceries and I can't for the life of me imagine how I might even come close to that--I am hard pressed to keep it under $150, even with just me, DH and our 2 year old! It seems impossible at the moment to cut it more--I guess I'll just start with cutting out the unnecessary spending! But meanwhile, I'll keep trying to think of ways I might reduce it.


My key:
No spend
unavoidable or budgeted spending
: no driving
post #28 of 540
Sept 120.88-lunch out (aniversary outing)


September Goals
No unbudget spend days goal 15/30, 0/30
No Drive Days goal: 7/30,0/30
No frivolous spending over 100 actual: 0/100
Sold items 5/50
Thrift/HB kit items: 0/20
Decluttering/organizing 20 min day1/24
Grocery budget 0/370.00
Baked/home cooking:0/10
Study/Daven daily 0/15

August Goals
No unbudget15/30,No Drive,7/30, 102.00/100Sold items 67/50
Thrift/HB kit items: 18.70/20,Decluttering/organizing 20 min day 14/24
Grocery budget 397.72/350.00 ,Baked/bulk cooking:6/10 Study/Daven daily goal 7/15

July Goals:Awesome!:
No unbudget spend days goal 17/30 +2,No Drive Days goal:11/30+1
No frivolous spending93.56/100 7.00 under!, Grocery budget 341.73/375-30.00 UNDER
post #29 of 540
9/1: :
9/2:
9/3:
9/4:



________

My key:
No spend
unavoidable or budgeted spending
: unnecessary spending
: no driving

Progress:
1/16 no spend days
1/26 no unnecessary spend days
1/5 no driving days
post #30 of 540
1. Please introduce yourself and tell us why you have decided to spend nothing (or spend significantly less) for the Month of September.

My name is Kas. My DH and I both worked full time jobs at minimum wage and lived paycheck to paycheck for the first part of our marriage. We would try to have "extra" money for the occasional date or splurge. That wasn't always the case. He's leaving for Air Force basic training next month and I'll be in charge of the finances. I have had a shopping addiction for many years now. Only recently have I felt comfortable enough to carry a debit card...DH still carries my credit card. This month will be tight because he's working part time and I'm still painfully unemployed. I want to start practicing NOW with his guidance to make sure I can do this right. We're going to be getting more money than we know what to do with while he's in the military...and I really want to save that for our family's future.

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?

Well, we have practice in being frugal. But I'm terrible about spending small amounts of money on "little things" here and there. (that's how I went through $1000 in a few months in college...little things) We're living with his parents for now so rent, utilities, and most of our food is handled...we just have to help keep the house clean and we're good. I plan to keep track of EVERYTHING I/we spend from Sept 1st on out. That way I have a good plan of attack for next month.

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 for this month
Get a handle on being in charge of finances...chuck some money in savings.


Thanks for the support!




Sept 1 Nothing spent today. DH drove to work and back.
Sept 2 Paid bills (my CC, DH student loans and medical bill), splurge on chips and dip during my craving
Sept 3 Mom sent us $50 so we went out to dinner (we needed a stress break)
Sept 4 Spent the rest of the money on needed juice
post #31 of 540
I am giving someone permission to PM me kicking my butt if I fall off of the no spend wagon yet again this month

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

I am Jaime I am paying off some medical debt, so it is important to curb our spending each month.

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 am locking up the debit card and using the envelope system this month
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 goal is no fast food and no online ordering, unless it is for a needed item that I talk to DH about ahead of time.

Key:
No Spend:
Budgeted spending:
Unbudgeted Spending: :

September 1st:
Total: 1/30
post #32 of 540
Ok, every month I say I am going to do this but this month I will. Today was Labor Day and I spent 0. Tomorrow I have to go get my dad and his wife a gift for their anniversary and a card for Dh's grandma.

1st 0$
post #33 of 540
9/1:

1/10 no-spend days
1/20 eat-at-home days
0/$600 groceries/househould
0/$100 clothing
post #34 of 540
I'm taking the little munchkins to The Children's Museum tomorrow, and I already packed out lunch! (with homemade bread even!)
post #35 of 540
Thread Starter 
: Hi everyone!! Welcome to September!!

New folks, you can do it, we can help!

Those coming back to try again, you can do it, there is no such thing as failure here!

Seasoned folks, welcome back, lets give a little love to those that are trying for the first time this month or need a little encouragement to get up and go!

:
post #36 of 540
I fell off the wagon at the end of last month so I am climbing back on

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

I'm Kristine, Mom to 3 girls 5, 2 & 7 months. I am a WOHM but am off on maternity leave right now and things are really tight financially. I am not scheduled to go back to work until February, but if I don't get our spending in check I may have to go back sooner

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?

1) NO internet shopping! Spend less time on the computer!!!

2) Plan meals and eat what is already in the house!!!

3) Sell/Donate all the extra stuff in this house!


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?

Not go back to work early


Sep 1 - :

No Spend = 1/15

Goals
- 15/30 no spend days
- $500 on groceries
- NO frivolous spending


Legend
: = No Spend
: = Groceries
:= necessary spending
:= unnecessary spending
post #37 of 540
1. Please introduce yourself and tell us why you have decided to spend nothing (or spend significantly less) for the Month of September.

I am Sarah. I am still working on my goal to save money for when my job ends at the end of 2008. We need money in savings to make it while I am finishing my dissertation and not working. I am tracking all household spending.

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?

No spending is easy for me as long as I plan ahead. This means making coffee and lunch at home every day instead of buying it at work. It also means doing all my necessary grocery shopping and gas buy on one or two days each week.

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

Last month I was able to make 10 no-spend days. This month I want to up that goal to 15 days. I want to put $500 in savings, which didn't happen last month due to three major unplanned, but necessary expenses.

9/1: $14 for 5 pants, 4 shirts, and shoes for ds at thrift store
9/2: $2.50 coffee for DH and I (a bad start to the month )

My KEY:
= No spend
= Budgeted or necessary spending
= Un-Budgeted spending
= Put money in savings
: = No driving or biking only
= Normal driving
= Unnecessary driving
= Saved money

MY GOALS:
0/15 No Spend Days
0/2 Eating Out
$0/$600 Groceries/gas
$14/$25 Winter clothes for ds
$0/$200 Home Improvement (under budget!! )
0/5 Bike to work days
$0/$500 Put in household savings
Total Un-Budgeted spending = $0
post #38 of 540
1 -
2 -

plans are:
*look into moving somewhere cheaper
*eat out of freezer (since we couldn't move it anyway)
*try to only have tv on if someone is actually watching it
*place extra furmiture/household for sale or freecycle
*leave dryer and washer unplugged when not in use
*continue to hang/rack dry most laundry
*try to use a/c & heat : less (hopefully not at all this month)

(no spend) 20/30
(budgeted, unnecessary) 8/30
(budgeted, necessary) 4/30


progress

1/20
1/4
post #39 of 540
I am back in for September, and I am going to finish the month this time!

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


I'm Grace, 29 year old partnered and working non-mom. I need to spend less to further my debt repayment goals. I am currently about $5,554 in debt, and I am working on paying it down. I've paid about $5,797 on it since January 1, but fell off the wagon in a big way this past month.

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?

The big things I need to do are eat out as little as possible and stay out of thrift stores.

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 goal is to keep my discretionary spending under $125 for the month. This is going to be difficult for me, but I have to try.

Sept 1:
post #40 of 540
1. Please introduce yourself and tell us why you have decided to spend nothing (or spend significantly less) for the Month of August. HI there. My name is Kristi. This will be my third month of the no-spend challenge. Last month didn't go so well. I kept track on paper but not here after mid-month. I was pretty bummed. I am newly motivated and I seem to have dh on board more than before. I have some big debt I would like to pay off by the end of the year. So far this year I have paid down nearly $5000 and saved $2000. This feels really good. Even though I want a new sofa and some new lamps, I have decided that being financially free will feel better than new furniture.


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?
This week, I plan on eating from pantry and freezer. Saturday I will shop and pick up our c.s.a. I will only use the veggies in our share box. I need to figure out how to make 2 trips to town a week work for us rather than being a financial strain. My girls are involved in activities now that fall is here. I am approaching this by saying I am not buying anything other than food. The exception is my ds's 4th birthday. I will have a set amount put aside for that.

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?
Well, at this point, I would love to accomplish 20 no spend/no drive days. I would also like to pay down quite a chunk of debt this month, like $4000. I would also like to put away $1000 into savings. I am going pretty bare bones here at home and this is how I am going to make it happen. Along with dh working his butt off and working a lot of long OT hours.

DH is working so hard this summer. It will be my greatest gift to him to pay down our credit card debt and free up the money that we usually have going to minimum payments. Then we can truly get on with our lives and be free of the burdon and weight of credit card debt. I am also following Dave Ramsey's plan.

Sept. 1~ :


no spend
no drive :

Oh ya....I also got my electric bill down to $20.50 this month by being super-aware and using the clothesline. I am pretty psyched about that!:
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