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~October No Spend Challenge~ The economy declines, MDC familes SAVE!!!!!! - Page 19

post #361 of 481
God. Today was BAD.

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:
Oct 12:
Oct 13: $6 lunch
Oct 14:
Oct 15: $13 PO; $49 Target (new headphones and car jack for the iPod, dish soap, hand soap, nail polish, and deodorant); $15 Goodwill (new dog beds, yay!); and $62 Jockey (new much-needed bras)
Oct 16: deposited $650 freelance check; got $100 cash for the rest of the month
Oct 17:
Oct 18:
Oct 19: $9.60 PO; $55 prescription (and that was WITH a $25 coupon! bah!)
Oct 20: $12.02 PO; $25 doctor co-pay; $10 prescription; $50 EOs

September Stats: 14 no-spend days, $301 total misc. spending
post #362 of 481
My key:

:= groceries
anything deemed necessary gas,household supplies, health and beauty aids
- anything deemed NOT necessary
- no spend at all

10/1- $50 gas, $26 Bella Band, $12.70 CVS
----- $2.16 McD's

10/2-
10/3- $26.50 dinner/movie, $6 CVS
10/4-
10/5-
10/6-
10/7-
10/8- $11.94 on Halloween headband and McDonalds. : $8.77
10/9-
10/10- $5.30 Halloween shirt
10/11-
10/12-
10/13-
10/14- $4 Jack in the Box
10/15- $45 gas, : $50, $10.22 bkfst/lunch
10/16-
10/17-
10/18- maternity clothes, paperback swap obligation : $150 grocery shopping
10/19-
10/20-
post #363 of 481
Stayed away from diaperswappers today!!!

1: : 2.65
2:
3:
4:
5:
6: Target 29 : 4.34 on a book for J
7:: 3.99 shampoo 3.25 : frozen yogurt 4.60 & 65.00 for a brand new Babyhawk (come on we all know how good of a deal that is)
8: : 21.74 gift for J's friend
9:
10: : 32.61 b-day gift for another one of J's friends (of course his two best friends have parties the same weekend)
11: : 3.68 on some trolli brite crawler eggs (any notice candy is my weakness?)
12:
13:
14: : $60 at diaperswappers.com . . . get me off that site
15: 17.24 food for a school fundraiser and : 2.50 ice cream bars
16:
17:
18: : & Target
19: : an amount I am too ashamed to disclose on diaperswappers . . . :
20:

Truly no spend
Budgeted or needed spending
: Groceries
: unnecessary spending
post #364 of 481
10/13
10/14
10/15
10/16
10/17 $150 entire day spending
10/18
10/19 $130 dd's birthday party
10/20
post #365 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:
10/10:
10/11: :$60 for groceries, $40 for gas in both cars, $15 for winterizing supplies for motorcycle
10/12: DH bought dress shoes with gift cards and only had to spend $4.50 in actual cash, I, on the other hand, spent $15 for Halloween craft supplies (at least they were all on sale
10/13: $10 for co-pay at dr. office for me
10/14: $10 for co-pay at dr. office for DS, $46 for months supply of milk, cheese, & eggs with cow-share, $142 for bulk order of baking products from Country Life Natural Foods, $10 for quick dinner for ds and I while out at the dr office
10/15:
10/16-10/19: Business trip to Milwaukee. Took $200 and spent it. Also used CC for museum entrance fees twice for an additional $48. The good news is that I will get reimbursed close to $60 for my meals .
10/20: made $20.88 at consignment shop. Spent $4 of it on DS and then another $10 on me (I need socks!). $56.00 on groceries, $15 for gas, $60 for new car battery (it was dead when we returned from our trip )
10/21: Deposited $750 in savings from paycheck

Here are the new goals for October:
6/10 No Spend Days (trying to be more realistic here)
2/2 Eating Out (excluding business trip)
$659/$600 Groceries, gasoline & household expenses ( this is getting high already, but I'm buying in bulk for the first time this month, so I will hopefully save next month!)
$15/$25 Halloween costumes/supplies
$80/$150 Home Improvement
$1000/$500 Put in household savings
$30/$150 Non-essential spending
$250/$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 #366 of 481
I am trying to make a budget for next month and it is . I have not enough money and too many places to put it. Dental work to be done. Prescriptions that need refilling. A new for some new clothes. And endless endless credit card payments. I feel like giving up.
post #367 of 481
Quote:
Originally Posted by avengingophelia View Post
I am trying to make a budget for next month and it is . I have not enough money and too many places to put it. Dental work to be done. Prescriptions that need refilling. A new for some new clothes. And endless endless credit card payments. I feel like giving up.

I know that feeling! You might try putting it down and getting a positive mind set before starting again...kind of along the lines of the law of attraction...put out the vibes that you have enough and then look at it again...maybe you'll find something you missed...

But...MAN...it can be hard to get in that happy place with regards to money!
post #368 of 481
Quote:
I have not enough money and too many places to put it.


I'm in the same boat. I've actually started a LIST of all the places where I need to put money (new car account, furniture account, home maintenance account, credit card repayment, emergency fund...etc. There's actually more than this...that is what is so depressing).

I don't have any money to actually PUT in these accounts, but at least I know where it needs to go when I get it.

I'm thinking in terms of slow and steady.

It is tough.
post #369 of 481
Whew! Good day today. And we're not going anywhere for the rest of the day so I should be able to hang onto this money.

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.. $120 preschool tuition, $10 girl scout fees
14..
15.. $57 Groceries that were just extras (fancy coffee, sweets)
16..
17.. $8 McDonald's
18.. $16 Adventurous Book of Outdoor Games
19..
20.. $25 registration fee for half-marathon
21..

Goals:

11/15 No Spend Days
2/10 Let the Car Rest Days :
post #370 of 481
Quote:
Originally Posted by Crunchy*VT*Mom View Post


I'm in the same boat. I've actually started a LIST of all the places where I need to put money (new car account, furniture account, home maintenance account, credit card repayment, emergency fund...etc. There's actually more than this...that is what is so depressing).

I don't have any money to actually PUT in these accounts, but at least I know where it needs to go when I get it.

I'm thinking in terms of slow and steady.

It is tough.
I am right with you on this one Too much that we "need" to put $$ away for. But like you, I am just trying to get in the mindset of saving in categorys
post #371 of 481
You all are a step ahead of me. I don't even mean saving categories, I mean stuff I need to buy either this or next month.

This is the list I have right now:

To joint account: $2,200
To dentist: $350
For prescriptions (3 month supply): $223
To credit cards (minimum) $200
To student loan: $257
Total: $3,230

Monthly take home pay? $3,297.51

That leaves me $67.51 for the month? And I need to buy some clothes? That's not gonna work.

Edited: I forgot $10.83 for gym dues and $16.95 for Weight Watchers, and my $100 automatic monthly withdrawal to savings. So now I am actually going into the month $60.26 in the red! GAH!!
post #372 of 481
10/1: $17.03 Groceries which included $6.99 pack of vacuum cleaner bags
10/2: $13 paid online for a necessary monthly bill :
10/3: $10 (Gas), $64 (Gym dues), $14.99 (DSL) $5.37 (Taco Bell
10/4: :
10/5: :
10/6: $30 (gas). $26 (Splurged on a dinner that was already planned ahead of the concert we went to. It was a celebration for quitting my job, and I needed it! So much fun! BUT! My mom gave me some belated birthday cash ($20), so it almost evened out...)
10/7: : :
10/8: :
10/9: ::
10/10: $63.51 (Groceries), $3.25 (Coffee), $25 (Transfer into savings for Christmas)
10/11: $40 (Gas)
10/12: $20.25 (Pumpkins), $12.80 (Work stuff)
10/13: ::
10/14: :
10/15: :: and I made some cash babysitting!
10/16: $27.82 (Necessities at Target. $25 was on a gift card! Though I bought myself a $1.99 notebook that I couldn't resist ), $86 (Got both my cats spayed. Used a coupon! ), $30 (Gas), $3.25 (Coffee! ) No more coffees this month! NONE!
10/17: ::
10/18: $172.77 (Groceries, stocked up a lot, and meal planned. Very good!)
10/19: ::
10/20: Took my kitty to the vet. Had to have her stay the night. Signed up for Care Credit, and put about $200 down for her. Will see how she's feeling today.

So, far:

7/15 no driving :
10/15 no spending :
$246.32/$250 groceries
$414.61 necessary spending
$52.66 unnecessary spending
$200ish to the vet, on credit. Not sure where that falls on necessary/unnecessary
2/2 yummy coffees
post #373 of 481
Grace, could you split up the 3 month supply and see if the dentist will let you pay it out?
post #374 of 481
Quote:
Originally Posted by leomom View Post
Grace, could you split up the 3 month supply and see if the dentist will let you pay it out?
I get a three month supply because it's discounted that way (three months for the price of two), so I want to order all at once. What I can do, I think, is put off some of the scripts I need to order. Things are not going to get much better in December (Christmas...), but at least I won't have a dentist bill then.

I think I have to pay the full amt. at the dentist, though. They were all excited, telling me what a great deal I was getting only paying $350. Maybe I'll put off getting the crown until after the New Year...
post #375 of 481
Quote:
Originally Posted by avengingophelia View Post
I get a three month supply because it's discounted that way (three months for the price of two), so I want to order all at once. What I can do, I think, is put off some of the scripts I need to order. Things are not going to get much better in December (Christmas...), but at least I won't have a dentist bill then.

I think I have to pay the full amt. at the dentist, though. They were all excited, telling me what a great deal I was getting only paying $350. Maybe I'll put off getting the crown until after the New Year...
If you mention that you need to put it off or pay it out, they may go ahead and let you pay it out...just a thought...my dentist has done that before...
post #376 of 481
Quote:
Originally Posted by avengingophelia View Post
You all are a step ahead of me. I don't even mean saving categories, I mean stuff I need to buy either this or next month.

This is the list I have right now:

To joint account: $2,200
To dentist: $350
For prescriptions (3 month supply): $223
To credit cards (minimum) $200
To student loan: $257
Total: $3,230

Monthly take home pay? $3,297.51

That leaves me $67.51 for the month? And I need to buy some clothes? That's not gonna work.

Edited: I forgot $10.83 for gym dues and $16.95 for Weight Watchers, and my $100 automatic monthly withdrawal to savings. So now I am actually going into the month $60.26 in the red! GAH!!
I have the categories, but they are empty I am going to just try and get my spending under control, get through the holidays and get through our vacation..Then by the 1st of the year, I am going to hopefully start filling up the savings categories
post #377 of 481
]OCT 1No Spend/ No drive
Oct 233.02Gas (No unbudget spend)
Oct 321.66 groceries,4.50 thrift,12.59 present for dd's friend, 13.00 wool longies for dd2-oy! very spendy day
oct 4No spend/no drive
Oct 5.6.95 tester longies,4.83 Snacks Out (We were on the way to a party, I gave Dd lunch and didn't feed myself, doh!
Oct 67.19 coffee out this has to stop!!
Oct 717.50Thrift,57.72 groceries,34.13 gas
Oct 86.72 snacks out50.00 chargeback from totally messed up sale: I suspect I was ripped off
Oct 9No spend/No drive
oct 10Lunch out 35.78, groceries 23.88+39.00 sold
oct 11No spend/No drive
oct 1285.08 groceries,54.85drill
oct 1317.26-desperately needed med dipe covers for dd#2,12.97snacks@museum, 10.00 parking (will be reimbursed)
oct 14no spend+9.00
oct 15no spend
oct 166.19coffee,33.12gas
oct 1721.00 birthday present for niece,14.50 ice cream outing for same,
oct 18no spend/no drive
oct 1910.00 thrift,3.50 snack out
oct 20no spend+15.00
oct 2166.00 groceries

OCTOBER Goals;
unbudget spend days goal 15/30, 9/30
No Drive Days goal: 7/30,3/30
No frivolous spending over 100 actual: 106.30/100
Sold items 13.75/50
Thrift/diaper items: 47.26/20
Decluttering/organizing 20 min day 13/24
Grocery budget 263.34/370.00
Baked/home cooking:7/10
Study/Daven daily 11/15

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[/QUOTE]
post #378 of 481
Got booked for a whole lot of future days and celebrated buy going shopping. Bah. Stuff I kind of needed but still, rewarding myself with shopping probably not the best idea.

1/10 - $12.00 Lunch $16 bus tickets : (am)
2/10 - $30.00 shampoo, conditioner, deoderant :
3/10 - :
4/10 - $5 food at farmers market
5/10 -
6/10 -
7/10 -
8/10 -
9/10 - $13.00 cab :
10/10 - $30.00 dinner with Df :
11/10 - $25.00 dinner, drinks and cab
12/10 -
13/10 - (Happy Canadian Thanksgiving)
14/10 -
15/10 -: (AM)
16/10 -:
17/10 - $6.00 at $store :
18/10 - and $18.00 at Farmer's Market
19/10 -
20/10 -:
21/10 - and $23.00 organic soap, dishwasher detergent and chocolate, $45.00 sweater and bag :


My Key
No spend -
Unnecessary Spending -
Necessary Spending -
Taught - :
Tutored -
Income -

Goals:
- Have at least 10 substitute teaching days - 9/10
- Tutor 8 days - 4/8
- At least 20 no spend days 12/20
- Get a full time job :
- Pay off $320.00 on CC

October Budget
Income: $1900.00
To Df: $600.00/$600.00
Savings and student loan: $60/$370.00
To CC: $120.00/$720.00
FOR ME!!!: $222.00/$270.00
post #379 of 481
OK, I've calmed down and figured out a livable budget for next month.

Now I just have to finish this month with as little spending as possible. I have $24 cash in my wallet--can I make it last until payday (next Friday)?
post #380 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:
10/11:
10/12: Hubby filled my car $71/ and picked up groceries $20.46
10/13:
10/14:
10/15:
10/16:
10/17: Groceries $270.48 (Really stocked up this month!)/ Target $336.62 (Clothes and shoes for everyone for funeral, quiet toys to occupy kids at funeral.)
10/18:
10/19:
10/20: Chamber of Commerce Dinner Mtg. $15
10/21:

No Spend
Budget Spend
Over Spend

Groceries $925.45*
Gas $95*
Misc. $364.34*
Pet $91.35

XMas $19.39**

*Some of this is carry-over from Sep.
**Running total until Xmas

Looking at the grocery and Target numbers is scaring me! I did work around a pair of pants I had, but betw. babies and weight loss and my normal garb of sweats and tshirts--something had to be done. And my husband's last suit was purchased 10 yrs. ago--it no longer fit and had moth holes. ::sigh:: It's funny, though, because 10 years ago I would have hit Nordstrom and spent 3 times that amount without a thought. And we had way less money then, too.

Also, I found out Monday that we need to spend some serious money on our chimney and woodstove.

Gaaahhhhh......
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