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~October No Spend Challenge~ The economy declines, MDC familes SAVE!!!!!! - Page 12

post #221 of 481
Prudence - I am new on these challenges but read through all of September and this one and you are definitely inspiring! You bring a lot of comedic relief and a great attitude, plus a tonne of amazing tips! Don't be so hard on yourself - you WILL get through this. Good luck with everything

Pft, could have been another thumb if I didn’t have a Diet Pepsi addiction!

01.
02. $52.91 on a sleep sac and baby proofing supplies
03. $15.58 on 3 springform pans
04.
05.
06.
07. $5 chocolates plus $78.25 for a haircut :| oops.
08.
09. $1 drink

160.03/400: Groceries
0/50: Gifts
54.45/150: Gas
post #222 of 481
It's been a tough month, quite a few things came up that I hadn't thought ahead about. This is good for me. I am continuing tracking every cent.

10/1 $30 impromptu cocktail hour with dh, $30 for sitter, $50 clothes
10/2
10/3
10/4 $70 Oktoberfest, $3.99 word search book for ds6, $10 fundraiser
10/5 $4.60 library fines
10/6 : $128 vet, $4 scholastic books,
10/7 : $80 dd's snowball retreat, $5 coffee for self & Dad
10/8 $1 croissant
10/9

Key:
no spend day or spent within budget only
: not budgeted but necessary
oops

October goals:
Track every cent spent
Spend within budget only - no nickel/diming myself
Think thrify/frugal
Eat out only: one bfast, one dinner, order in one dinner
Learn to budget monthly for things, rather than just yearly

Ultimate goal:
Stay focused on 6mo emergency fund (1/3 there)

This months planned expected expenditures (outside the basic budget):
$22.55/$25 presents for 2 kids friends bday parties
$60/$60 presents for 3 family birthdays
$20/$30 medical copay
$30/$50 sitter
$26.92/$30 halloween costumes x2
0/$25 yarn for starting chanukah gifts
$250/$200 new belt, winterboots, slippers, socks, fleece - for me (this should get me through the winter for clothes)
post #223 of 481
hey missmich, you sound like me. its so tempting when i know i could just put it on my credit card and deal with it later, especially when it comes to clothes and even moreso, sales on clothes.


10/1: $56 necessities
10/2: $7 food
10/3: $1.82 food, brought lunch from home, $10 burlesque show, $10 gas
10/4: $2.85 farmers market, $2.53 lunch, $4 taco bell
10/5: $2.42 coffee and breakfast, $2 stuck in a friends pocket for a gelato/lunch date, $4 cider mill, $42 gas
10/6: $3.52 lunch, $1.58 coffee (but i paid in change! and used my own cup!)
10/7: $27 at meijer (which included a $7 dress and bagels, the rest was plants which was on my list of things to get this month), $20 at joanns


10/8: $8 at ikea for two pots and a plant and a soda. also, I returned that iron and the baby hats to JoAnn's so that was $17.47 back on my credit card that I really didn't need to spend right now.
10/9: $1.75 for coffee, $0.79 for a bottle of water, and then groceries, breakfast, and a vitamin powder thing for my water all went on the rest of my gift card, and I only had to pay just shy of $4 for about $47 worth.

10/10...its still early, but uhhh...i was trying to make quinoa for lunch, and i just burned it. dang it. dd is learning to tell me what she wants, she said "outside" and i asked if she wanted to go out and she said "uh huh" so we walked around outside my apartment instead of going on a coffee date like we usually do when i work late...thanks babe for saving us money!

i feel like i should clarify...i buy food at work, because i work at whole foods and i'm buying pretty much what i'd be buying for groceries anyway. so its not like i'm going out for lunch every day to a restaurant or mcdonalds. i do want to bring my lunch more often...but every time i do, i find that i'm just hungry again and i end up spending just as much money! a;slkdgja;lskdg.

time to try and rescue the burnt quinoa. its the first time ive tried cooking it!
post #224 of 481
Thread Starter 
Ugh ladies. I am having a rough month too.

Economy Tanks = CityChic spending...and I WORK IN FINANCE! Hello...duh! We have been working in a new pay structure to our budget and it is tough and I am just not focusing on the budget well at all.

Oct 1 Took out cash for the next two weeks, putting debit card away

Oct 2 So far, so good

Oct 3 Good stuff. We took out cash for spend and are doing well spreading it out.

Oct 4 Well, dummy over here let the ATM eat our debit card when I took out cash the other day. This will make it really easy not to spend until the new one gets here

Oct 5

Oct 6 : Work meeting, stopped at Starbucks + took a cab $20

Oct 7 Work, home, easy day

Oct 8 : Long day, we ordered pizza $9.12

Oct 9 : $7.50 I forgot my lunch at home, nice. Put an extra $340 toward the credit card.

Oct 10 : We are having major cloth diaper leak issues. Have to buy supplies.

No Spend 6/25
Debt Payment $340
Total Overspend $36.62
post #225 of 481
I think this economic trouble just makes it easier to spend some how. I just feel like giving up, you know?
post #226 of 481
10/1:
10/2: , deposited $250 from paycheck into savings
10/3: $10 copay for Dr. visit, $1 for donut (I know, I'm weak)
10/4: $80 for groceries, $20 for home improvement supplies, $40 for gas in both cars
10/5:
10/6: $100 for my 3 month stock up on necessities from the health food store ( used 15% coupon to save $), $30 for cat food (2 month supply)
10/7: , :
10/8: $20 for dinner out and trip to park
10/9:

Here are the new goals for October:
5/10 No Spend Days (trying to be more realistic here)
1/2 Eating Out (excluding business trip)
$270/$600 Groceries, gasoline & household expenses
$0/$25 Halloween costumes for family
$20/$150 Home Improvement
$250/$500 Put in household savings
$20/$150 Non-essential spending
$0/$200 For business trip (DH & DS are coming with me)

My KEY:
= No spend
= Budgeted or necessary spending
= Un-Budgeted spending
= Put money in savings
= Saved money
: = No driving or biking only
post #227 of 481
10/1.
10/2. $42.47 at Home Depot, $31 for Halloween party (budgeted)
10/3. $76 groceries, $26.96 winter gear, $25.43 for party, $40 for Homecoming game
10/4. $26 Bath and Body Works (2 gifts and needed soaps), $118 at Menards (door and boards for basement)
10/5. $34.99 for clothing for girls (2 pr of pants and fall jacket)
10/6. $45 for clothing for dd1. $10 in groceries
10/7. $166 Halloween costumes ($16 over budget), $9 coffee for dh and I
10/8.
10/9.
10/10. $81 groceries, $12.99 clothing, $73.39 Halloween party stuff at Target, $196 at Party City, $51.25 gas

3/10 no spending days
$167/$200 grocery budget
$51.25/$100 gas budget
$325.82/$300 Halloween party budget
$26/$100 winter gear
$166/$150 costume budget
post #228 of 481
Quote:
Originally Posted by avengingophelia View Post
I think this economic trouble just makes it easier to spend some how. I just feel like giving up, you know?
I know for me, I'm feeling torn between saving and stocking up on things before prices go up (more). I'm doing more pantry-stocking in the last month and a half than I have for a few years.
post #229 of 481
Day 1:
Day 2:
Day 3:
Day 4: - Grocery shopping and went a bit over budget
Day 5:
Day 6:
Day 7:- Overspent at Target, and had to by DD Shoes for Basketball
Day 8:
Day 9: Bought the baby $25 worth of toys which I had panned on Picked up curly fries from Arby's (yuck) but I was sooo craving the fries!
Day 10: Spent more than I would have liked on a homeschool field trip to the Tea Plantation, and the Library Book sale, but it was all worth it, and the books were a steal! All the girls had a great time at the tea Plantation, so worth the $20 to go.

Here is my key...
My KEY:
: = No spend
= Budgeted or necessary spending
= Un-Budgeted spending
= No drive days
= Mindful spending/purchase

MY GOALS:
0/12 No Spend Days
5/5 Eating Out Days
6 No Drive Days
$500 Groceries
$175 Gas
$200 Costco
$200 other consumables, stocking up on sale items to build a 'stash'
Total Un-Budgeted spending $80
post #230 of 481
This has been an odd month for us as well. Sounds like a lot of people are in a weird place right now. While have been posting here in the 'no spend' thread, we are actually spending a lot more than normal. We have taken on so much this month -- extra work, extra kids, extra projects, extra activities. I am adding in extra items to our normal 'build the pantry' order and to top it off, I am thinking of buying a freezer. We have the opportunity to buy a side of beef and a freezer would be necessary to do that.


Oct 1 -- 11.29 post office, 75.00 to fix leaky toilet
Oct 2 --
Oct 3 --
Oct 4 -- 39.96 birthday presents, 30.80 dh, 30.00 soccer pictures
Oct 5 -- 45.00 college admission application
Oct 6 -- big spend day -- 22.00 homeschooling workbook, 83.00 Christmas yarn
Oct 7 --
Oct 8 --
Oct 9 --
Oct 10 -- , 32.00 pizza night

-- within budget
-- no spend

Goals/extras:

Dentist copays -- 0/60
Medical copays -- 0/15
Halloween -- 0/70
Birthday for ds -- 0/100
Groceries -- 175.48/400
Food coop -- 0/400
Apple picking -- 23.00/60
post #231 of 481
Today's big frugal headache: we have to buy a new dryer. Gah. This news comes the day after I find out I am going to have to pay $350 for a crown next week.

Freelance work, keep on coming!
post #232 of 481
Day 10 I spent $10.01 but it was on some very basic groceries that I needed.

I'm doing some meal planning so I got a few things to make a nice thick potato soup with and some beans and cheese to make a bean,cheese and rice dish. This should last me until I'm paid and can do a bigger and better grocery shop next Friday.
post #233 of 481
10/1:
10/2:
10/3: Groceries $23.79 Dessert stuff for Mom's Night Out
10/4: Mtg. $1
10/5:
10/6:
10/7:
10/8:
10/9: Groceries $216.09 /Dog food $91.35
10/10:

No Spend
Budget Spend
Over Spend

Groceries $634.51*
Gas $24*
Misc. $12.72*
Pet $91.35

XMas $19.39**

*Some of this is carry-over from Sep.
**Running total until Xmas
post #234 of 481
Finally, a no-spend day!

Oct 1: $12 bar tab; $15 GW
Oct 2: $14 GW; $46 group lunch; $5 t-shirt; $21 new S'bucks card
Oct 3: $6 Taco Bell; $30 Gap Outlet (jeans and dress); $18 L'Occitane Outlet (soap and lip gloss); $15 Crate & Barrel outlet (dish towels); $68 Banana Republic outlet (shirts); $9 ice cream; $24 dinner/drinks
Oct 4: $32 REI (skirts, going to be returned); $13 lunch; $26 natural soap company
Oct 5: $12 lunch
Oct 6: $2 PO; $7 lunch; $3 snack
Oct 7: ~$15 on food at work (breakfast, lunch, and snack)
Oct 8: $19 GW; $6 McDonald's
Oct 9: $43 cash from ATM
Oct 10:

September Stats: 14 no-spend days, $301 total misc. spending
post #235 of 481
Awwww...thanks Amanda and Kim. Very kind words.

DH and I went out tonight but it was budgeted and we had cash set aside for that. I've started a "Marital Maintenance" category in our budget because we really need to spend some time together away from our much-beloved but very loud passle of children.

They are our life and some days we don't get a chance to say ten words to each other without interuption so after reading a marriage bolstering book I decided we are going to hire a babysitter one day a month.

01..
02.. , :
03.. $150 gas grill
04.. $113 fleece and new shoes and latte
05..
06..
07..
08..
09.. , :
10.. $50 babysitter and dinner
11..
12..
13..
14..
15.. Payday

Goals:

6/20 No Spend Days
2/10 Let the Car Rest Days :
post #236 of 481
Yesterday, dh went to Whole Foods to pick up chicken salad and bread. He and I have lunch every Friday afternoon together during the school year. Since starting the challenge, instead of eating out, we have been having leftovers, but this week we finished them breaking the fast from Yom Kippur.

BUT, I saved some money yesterday too! Ds4 really wanted the Superman costume with muscles for Halloween. But, he is too small and the muscles on the costume sit at his nose. (he is still wearing 2T & 3T). Anyway, we pulled out ds6's old superman jammies with cape - they fit! So, ds4's Halloween costume costs $0! Ds6 is going to be a beekeeper and we are getting most of the coustume from my dad who is a beekeeper. So the rest should cost about $5.

10/1 $30 impromptu cocktail hour with dh, $30 for sitter, $50 clothes
10/2
10/3
10/4 $70 Oktoberfest, $3.99 word search book for ds6, $10 fundraiser
10/5 $4.60 library fines
10/6 : $128 vet, $4 scholastic books,
10/7 : $80 dd's snowball retreat, $5 coffee for self & Dad
10/8 $1 croissant
10/9
10/10 $15.00 lunch

Key:
no spend day or spent within budget only
: not budgeted but necessary
oops

October goals:
Track every cent spent
Spend within budget only - no nickel/diming myself
Think thrify/frugal
Eat out only: one bfast, one dinner, order in one dinner
Learn to budget monthly for things, rather than just yearly

Ultimate goal:
Stay focused on 6mo emergency fund (1/3 there)

This months planned expected expenditures (outside the basic budget):
$22.55/$25 presents for 2 kids friends bday parties
$60/$60 presents for 3 family birthdays
$20/$30 medical copay
$30/$50 sitter
$0/$30 halloween costumes x2
$0/$25 yarn for starting chanukah gifts
$250/$200 new belt, winterboots, slippers, socks, fleece - for me (this should get me through the winter for clothes)
post #237 of 481
A quick update.

The "no spend" nursery is going well. We've sold almost everything we wanted to on Craiglist and I bought my fabric and a pattern. I'm still ahead overall.

I've really wanted to get my hair cut and colored, but I had decided to not spend money on this until next year. But then I just found out that a high-end salon in our city was looking for haircut models for their advanced training. So next week I'm getting a hair cut and highlights for FREE! They even have a free espresso bar.
post #238 of 481
Thread Starter 
Oct 1 Took out cash for the next two weeks, putting debit card away

Oct 2 So far, so good

Oct 3 Good stuff. We took out cash for spend and are doing well spreading it out.

Oct 4 Well, dummy over here let the ATM eat our debit card when I took out cash the other day. This will make it really easy not to spend until the new one gets here

Oct 5

Oct 6 : Work meeting, stopped at Starbucks + took a cab $20

Oct 7 Work, home, easy day

Oct 8 : Long day, we ordered pizza $9.12

Oct 9 : $7.50 I forgot my lunch at home, nice. Put an extra $340 toward the credit card.

Oct 10 We are having major cloth diaper leak issues. Have to buy supplies. Didn't buy anything so changing status!

Oct 11 : $40 cash for the weekend...ugh

No Spend 6/25
Debt Payment $340
Total Overspend $76.62
post #239 of 481
Two in a row! Given how horrible my other F&F thread is making me feel for the past few days, I will take any small victory I can get.

Oct 1: $12 bar tab; $15 GW
Oct 2: $14 GW; $46 group lunch; $5 t-shirt; $21 new S'bucks card
Oct 3: $6 Taco Bell; $30 Gap Outlet (jeans and dress); $18 L'Occitane Outlet (soap and lip gloss); $15 Crate & Barrel outlet (dish towels); $68 Banana Republic outlet (shirts); $9 ice cream; $24 dinner/drinks
Oct 4: $32 REI (skirts, going to be returned); $13 lunch; $26 natural soap company
Oct 5: $12 lunch
Oct 6: $2 PO; $7 lunch; $3 snack
Oct 7: ~$15 on food at work (breakfast, lunch, and snack)
Oct 8: $19 GW; $6 McDonald's
Oct 9: $43 cash from ATM
Oct 10:
Oct 11:

September Stats: 14 no-spend days, $301 total misc. spending
post #240 of 481
01..
02.. , :
03.. $150 gas grill
04.. $113 fleece and new shoes and latte
05..
06..
07..
08..
09.. , :
10.. $50 babysitter and dinner
11.. $1.83 coffee
12..
13..
14..
15.. Payday

Goals:

6/20 No Spend Days
2/10 Let the Car Rest Days :
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