~December No-Spend Challenge~ End o' the month. How did you do? What will you do differently next month/year? Did you learn anything about your... - Page 3 - Mothering Forums
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#61 of 428 Old 12-02-2008, 02:33 PM
 
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Dec 1:
Dec 2: $2 for parking on campus for meet with my adviser, $6 for sewing supplies to make bible cover for SIL for Christmas

Here are my spending goals for December:

$8/$600 for food and fuel
$50 for travel to visit my cousin, DS' godfather
$150 for food/decorations for our extended family holiday party
$50 for misc. home improvement/emergencies
$100 for futon mattress from IKEA
Pay off small CC debt this month (I don't want any debt carried over to 2009)
Pay last payment on our car!
At least 10 no spend days
Add minimum of $300 to emergency savings by end of the month
Less than $50 on unplanned/unbudgeted spending

Key
No spend day
: No drive day
Necessary/budgeted spending
Unplanned/unbudget spending
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#62 of 428 Old 12-02-2008, 02:44 PM - Thread Starter
 
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01..
02..
03..
04..
05..
06..
07..
08..
09..
10..
11..
12..
13..
14..
15.. Payday and Credit Card Payment Day

My Goals for this month:
2/20 No Spend Days
0/4 Let the Car Rest :
0/$985 Paid to Credit Card

 

 

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#63 of 428 Old 12-02-2008, 05:53 PM
 
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12/01:
12/02:

2/20 No spend days.
$0 Money unnecessarily spent.

Jenny, proud maker of red things
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#64 of 428 Old 12-02-2008, 07:01 PM
 
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12/1: $.84 on copies of scholarship application for YMCA membership.
12/2: $70.24 on groceries for the week

goals: $0 unnecessary spending
less than $100/week for groceries so far so good!
14 no-spend days

My key: necessary/budgeted spending
no-spend at all
:unnecessary/unbudgeted spending
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#65 of 428 Old 12-02-2008, 07:05 PM
 
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Key
No spend on anything
Necessary/budgeted spending
: Unnecessary/unbudgeted spending


Here we go!

1-:...dh spent $3.05 on lunch
2-:...dh spent $1.00 on who knows what???

Okay...obviously must have a talk with dh.
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#66 of 428 Old 12-02-2008, 07:19 PM
 
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12/1:
12/2:

KEY:
True no spend
Necessary/planned spending
Unnecessary spending

ETA: I WANTED to spend today -- DS and I were at Target and I intended to get him a potty seat insert for Grandma's house and a pair of bib-type snowpants (DS only has pants and his shirt got wet the last time he played in the snow). But DS was being crabby and contrary and would not let me buy either. He said his snowpants were fine and we should just bring our potty seat insert along when we visit Grandma. Honestly, I'm kind of glad he talked me out of buying stuff! The crabbiness I could have done without, though.

Formerly New Mama to Henry, born August 2005 and Silas, born November 2010.
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#67 of 428 Old 12-02-2008, 07:25 PM
 
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So apparently I forgot two things yesterday... rent being one of them (both of them necessary and automatically withdrawn, hence me forgetting )

Today was no spend though

M
y Goals
1. Half the month with no spend days: 1/16
2. Unplanned spending 5 or fewer days: 1/5
3. Emergency Fund funded/not spent from: $168.02/$168.02 added, 2/31 days with no spending
4. Pay off the next debt in our snowball: $0/$225 paid off
5. Tim Hortons 3 or fewer days: 0/3
6. Buy our freezer without credit and come in under budget

November 08 totals: 16 no spend days, 5 days unplanned spending, 1 Tim Hortons run; total $104.35 in unplanned spending

Key
: No spend on anything
: Necessary/budgeted spending
: Unnecessary/unbudgeted spending

December 1: and
December 2:

Running Totals:
Budget set spending (tithe, rent, utilities, phone/internet/cell, insurance, bank service fees): $812.00
Budget discretionary spending (everything else on our budget, not including food): $15.60
Groceries: $12.08
Unplanned/Uneccessary spending: $8.90

Alison
Mama to Toad (08/06), Frog (01/09)... and new baby Newt born on his due date, Sep. 8, 2010
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#68 of 428 Old 12-02-2008, 09:46 PM
 
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Dec 1: :
Dec 2: midwife appt; $1.42 Christmas


Running total for December
Grocery: $0/$200
Else: $0/$100
Christmas: $1.42/$50

: No driving
No spending outside or over budget
Spending outside or over budget
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#69 of 428 Old 12-02-2008, 10:24 PM
 
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12.01- $5.49 (on dinner at Wendy's that I really didn't need) :
12.02- $16 on milk, toilet paper & sliced cheese


Feeling good today. I knew that I needed to get milk & TP today. The cheese was unplanned, but it was a good move because it was on sale and we went straight home for grilled cheese sandwiches instead of having lunch out.

After getting the milk today, my goal is to stretch the groceries until the end of the week. I've been cooking out of my pantry and I'm getting a good idea of what I'll be cooking next week and what items I really NEED.

Whenever I go out next, I think I may look for some reasonably priced boots. I have an ankle injury and I can't wear heels anymore and I need something to wear to work with skirts. Ugh, I don't know, I don't want to spend the money, but I feel like 1/2 my work clothes are going to waste right now. Because of my ankle, it'll be a chore to find the right boots anyway, so this could be a moot point. And if I find boots that really work, it might just be worth it.

That being said, I'm not planning on leaving the house tomorrow until I leave for work.

---Jessica---Livin' my life from A Peace.gif(1/05 ) to Z  jammin.gif(4/08 ).....and z babyf.gif(3/11)

 

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#70 of 428 Old 12-02-2008, 10:28 PM
 
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Key:
No spend:
Necessary/Budgeted Spend:
Unnecessary Spend: :


Dec 01 - $95.33 on groceries/shipping supplies for eBay sales
Dec 02 - : $37 on a book set and 3 Christmas gifts, plus $7 or so because the dinner I made turned out DISGUSTING, so DH is getting us a snacky snack while I prepare to make something else later. Still at least we didn't go out! (and on my Christmas stuff today, I may have spent $40 but I saved over $100 combining gift cards and in store credit.)

Kris - married to Nate since 12/06, mom to Toby since 1/08. Also servant to two felines. Done having babies for medical reasons.

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#71 of 428 Old 12-02-2008, 10:32 PM
 
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I know that many people will find December harder then most months,but I think I'll do even better this month. I don't really have many to buy gifts for and I bought pretty much all the stocking stuffers for my friends stocking all ready. I plan to make some sweet yummy squares for others,so that won't cost much at all.

This month my expenses will include some postage for some cards and 2 letters that need to sent out asap and the usual bills and credit card debt. I won't have to buy to many groceries since I'm still doing the meal planning/pantry challenge and am doing well with it. It really has saved me a lot of money and I'm learning how to cook healthier and more interesting meals.

Sadly my "main job" has only given me 3.5 hours this week and I don't see getting much more then that in the next 4 weeks. Luckily the "occasional babysitting" job has turned into a part time nanny job with at least 2 regular days a week. I'd planned to only use what I earned babysitting for my debt and the money from my "main job" for my living expenses. I planned on doing both jobs in the same day,but now just take what I can get at the call center.



Day 1: rent and bus pass $500 and $66.25
: $25


Day 2: toilette paper and Walkers Shortbread cookies for Christmas $12
: $45

My Key:

: Groceries
No Spend
Bills,rent,bus pass etc....
Extra money on debt
Well deserved treat
No No Spending
: Earned money
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#72 of 428 Old 12-02-2008, 10:37 PM
 
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Ok, so when I wrote out my goals -- I forgot about personal grooming. My DS desperately needed a haircut (his 3rd and he is almost 3!) So, I don't consider it unnecessary spending, I'll just add that to the budget.

12/1 - $20.95 DS haircut + $8** in gas?
12/2 - No Spend


No Spend Days = 1/10
No Drive Days = 8
Grocery budget = $450
Gas = $8ish/60
Dining out = $30
Christmas budget = $450
Entertainment budget = $45
Unnecessary spending = $50
Personal Grooming = $21/30
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#73 of 428 Old 12-02-2008, 10:40 PM
 
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a. Hi! I am 24 & have one DD. I live with my boyfriend in rural MN. I graduated from college in August with a nursing degree and passed my boards in October. I am currently pursuing a RN position.

b. I have no idea where I am going. I guess right now I want to track all my spending. I think this will be the best way to develop a reasonable budget. I have a ridiculous vehicle loan I want to pay off, a huge student loan, several IOUs and many medical bills.

c. Aww... the worst plan possible... no plan!


Dec 1:
Dec 2: $0.75 on a pop $490.00 on vehicle



Key
No spend day
: No drive day
Necessary spending
Unplanned spending

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#74 of 428 Old 12-03-2008, 01:16 AM
 
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1 -
2 -

2/10 no-spend days
2/20 no-eating-out days
0/$600 groceries/household
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#75 of 428 Old 12-03-2008, 01:53 AM
 
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Just spent the past 2+ hours running budgets and entering receipts while listening to Dave Ramsey online. Convinced myself to put a few house projects on the back burner and concentrate on sticking to our budget and gaining momentum on the debt snowball. Not nearly as much "fun", but definitely the right thing to do.

Now off to catch up on the Dec. thread; hope the month is starting well for all of you ladies!

Kim :

Dec. 1:
Dec. 2:

DECEMBER GOALS:
* Less than $50 in frivolous spending: $0/$50
* At least 25 days (no spend or spending w/in budget): 2/25
* NO library fines: month to date $0
* Stay within grocery/eating out budget: $22/$600
* ORGANIZE/declutter (lack of organization = spending): 2/25
* Exercise (feeling good = decreased emotional spending): 1/25
* Meal plan created (I REALLY want to develop the habit of meal planning!):
11/30-12/6: started...
12/7-12/13:
12/14-12/20:
12/21-12/27:
12/28-1/3:
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#76 of 428 Old 12-03-2008, 09:45 AM
 
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1: :
2: $19 convenience groceries I had dh pick up when he took ds to cubs... I'm sick with mastitis at the moment and I needed some easy food for the kids.

no spend:
necessary spend:
unnecessary spend: :
no drive: :

Mom to DS(14), DS(12), DD(9), DS(6), DS (4), and DS(2)  

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#77 of 428 Old 12-03-2008, 12:35 PM
 
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Filled up the gas tank this morning after letting it go down to the bare of all. Under $28 yay!! Last month it was $33!! So one good thing going. The good news of the gas increases all last spring and summer, I now habitually do not use my car as much. I also have a more walk friendly neighborhood but I really learned how to disapline the car using.

"The true joy of life is the trip. The station is only a dream. It constantly out distances us."
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#78 of 428 Old 12-03-2008, 12:59 PM
 
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Still searching for my first no-spend. I'm hoping to be able to no-spend more tat the end of the month, when my gifts are all purchased.

Dec 1: $13 Etsy fees (sales based, so I'm OK with it!); $30 Smartwool socks for Mark's Christmas gift (again, fine with that); $25 mag subscription (Christmas gift for grandma); $25 gift card for a friend
Dec 2: $15 PO; $7 breakfast/lunch; $25 doctor co-pay; $36 Christmas gift for Mark
Dec 3: $57 HH gifts; $9 lunch

Goals:
0/18 no-spend days
$69/$150 flexible spending
$116/$150 gift spending
$57/$150 giving

Last month:
16/16 no-spend days
$330/$150 flexible spending
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#79 of 428 Old 12-03-2008, 03:19 PM - Thread Starter
 
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01..
02..
03..
04..
05..
06..
07..
08..
09..
10..
11..
12..
13..
14..
15.. Payday and Credit Card Payment Day

My Goals for this month:
3/20 No Spend Days
0/4 Let the Car Rest :
0/$985 Paid to Credit Card

 

 

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#80 of 428 Old 12-03-2008, 03:25 PM - Thread Starter
 
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Quote:
Originally Posted by missmich View Post
I know that many people will find December harder then most months


Oh my yes. At least for me, this is the HARDEST month of all.

I think it is because once I open that wallet and start spending money -- on gifts for others or extra groceries or whatever this month -- then I have stepped out onto a slippery slope and I start spending on other stuff too.

The "no-spend" day is ruined, so I might as well keep on spendin'

I fell off the wagon last year in December, but this year I'm really hoping to stay on.

I know more about my spending habits this year -- thanks to this thread -- and I know that once I spend on one thing, I'm likely to go on a binge. So I'm trying to ~~just~~ buy that one thing and not give up.

 

 

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#81 of 428 Old 12-03-2008, 03:31 PM - Thread Starter
 
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Right now I'm battling with the "Have I bought Enough?" demon.

I keep wanting to go to Costco to get my girls more presents. I bought them stuff at garage sales last summer and some more stuff last month...but I want Christmas to be special so I'm worried I didn't buy "enough"

I'm trying to remind myself how they tire very quickly of opening presents. Less is definitely more for this age group.

I keep thinking I want to get them "Madame Alexander" Dolls because all their friends are getting those...even though my girls haven't asked for them or expressed even the slightest interest in those dolls. So what is up with that??

They have enough. I need to stop with the shopping and the second-guessing of what I ~think~ they want.

 

 

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#82 of 428 Old 12-03-2008, 03:46 PM
 
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I hear you, Prudence. I bought a train table, a Plan Toys garage plus city center and roadway system from a friend last summer (for a good price, of course) and have a few little things for stocking stuffers. And I still want to buy more! I keep thinking, "Oh, he'd love that..." Well, duh.

Formerly New Mama to Henry, born August 2005 and Silas, born November 2010.
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#83 of 428 Old 12-03-2008, 03:46 PM
 
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One way to simplify xmas is = Jesus received 3 gifts, so my kids do as well. Besides younger kids, too much is too much. Also, my parents end up getting a bunch of stuff for them as well so its plenty.

So far each girl:


maybe new sleds, the ones we have now are cracked.
a new dvd

Liz:
craft kit with water color paints and paper, new markers or the like
Books
gloves and snow boots

She will also get an american girl doll from my parents. It came the other day and they will give it to her when they come into town.

Maggie:
train table (we have plenty of trains)
Boots doll
some doll house furniture

This is all plenty and will all get put to use. We have bought and received things in the past that havent gotten looked at since the day after xmas. I refuse to have a huge bill for silly things. Also, just because someone else collects something dosent mean we have to have it. Does your dd play w fancy dolls? Or would they just be shelfed dust collectors?

Tomorrow I have to go thru all the xmas gifts to get it all ready while both girls are gone.

"The true joy of life is the trip. The station is only a dream. It constantly out distances us."
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#84 of 428 Old 12-03-2008, 03:47 PM
 
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You keep changing the title and I am

I keep thinking "How many Dec no spend threads are there?" :

Mama to 9 so far:Mother of Joey (20), Dominick (13), Abigail (11), Angelo (8), Mylee (6), Delainey (3), Colton (2) and Baby 8 and Baby 9 coming sometime in July 2013.   If evolution were true, mothers would have three arms!

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#85 of 428 Old 12-03-2008, 03:51 PM
 
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Dec 1 (Mon)
Dec 2 (Tues)

Dec 3 (Wed) NEED to go grocery shopping today! We are almost totally out, but we did make do for Mon and Tues without shopping. So today is the day. For the first time in my life, I sat down for like an hour and compared 3 different store adds and I am setting up a comparision book : By emergency, I finally figured out how to kinda do it

Dec 4 (Thurs)
Dec 5 (Fri)
Dec 6 (Sat)
Dec 7 (Sun)

= NO SPEND
: = Preplanned expense
= Unexpected expense (that had to be paid)
: = Blew it! (something unneed)
= Regular bills that must be paid
: = any thing applied to debt
= anything applies to savings
: = Birth related expense
: = preplanned food expense
= Unplanned food expense


Also if I am able to save money through thrifting, hand me downs, coupons, etc. I will post a : with it!

Any purchase that was needed but not well thought out with it


That all said: We haev NO money right now, so most of my symbols won't be used this month. However, I am thinking longterm!

Mama to 9 so far:Mother of Joey (20), Dominick (13), Abigail (11), Angelo (8), Mylee (6), Delainey (3), Colton (2) and Baby 8 and Baby 9 coming sometime in July 2013.   If evolution were true, mothers would have three arms!

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#86 of 428 Old 12-03-2008, 03:54 PM - Thread Starter
 
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Quote:
I keep thinking "How many Dec no spend threads are there?"


I know, I know. It's me. Since I check this thread every day I start wanting to change things up a little.

Sorry for the confusion! I'll leave it the same for a while.

Quote:
We have bought and received things in the past that havent gotten looked at since the day after xmas.
Last year I agonized over a pricey (for us) remote-control car for my brother...finally I broke down and got it because I wanted him to get something "fun" at Christmas. Less than 24 hours later my toddler drove the car off the edge of a table and broke it into pieces.

Lesson learned. Expensive electronics + toddler = bad stewardship of my money

Quote:
Also, just because someone else collects something dosent mean we have to have it. Does your dd play w fancy dolls? Or would they just be shelfed dust collectors?
You are 100% correct. I keep reminding myself of this. No! They don't play with dolls at all. We have a playroom that has (last time I counted) 12 baby dolls in it that are just collecting dust. I don't know why I have it in my mind that this is what they need to make their Christmas perfect. I think it is because the Joneses in my neighborhood are all buying American Girls for their daughters.

I need to stop this line of thinking.

 

 

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#87 of 428 Old 12-03-2008, 03:55 PM
 
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I got a TON of meat (chicken breasts, chicken tenderloins, and extra-lean ground beef) on sale for SUPER cheap today, so when we get our deer back from the processing plant, our freezer will be totally stocked!

1 -
2 -
3 - $141.18 groceries/household, $8.40 stamps

2/10 no-spend days
3/20 no-eating-out days
$141.18/$600 groceries/household
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#88 of 428 Old 12-03-2008, 04:03 PM - Thread Starter
 
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Quote:
For the first time in my life, I sat down for like an hour and compared 3 different store adds and I am setting up a comparision book
I started doing this a year ago and it has saved us sooooo much money. Good luck to you!

 

 

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#89 of 428 Old 12-03-2008, 06:14 PM
 
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Dec 1st: (did I really write that?!?!) £77.34 groceries. All still sick :
Dec 2nd: £6.50 groceries that DH insisited on to facilitate his recovery (no one ever recovered from flu without melon right?!)
Dec 3rd: £7.50 groceries, this time DH went and got them himself! £70 car tax, £1.14 postage.

Who would have thought that 5 sick people could spend so much! Well, at least we've saved ourselves the gas from DH driving to work and me doing the school run! :
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#90 of 428 Old 12-03-2008, 06:22 PM
 
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Quote:
Originally Posted by Amys1st View Post
This is really the only way I get to stay home as well and I have done it close to 7 years. Remember these words to answer your next ? about buying xmas gifts. We no longer exchange w anyone. I hate that Dec
26th feeling of a pile of gifts we received that really we do not need. So I bowed out several years back and never missed it. I also do not miss the huge cc bill to pay in the new year!

So far so good for me on Dec 1. No spend at all! I am waiting until my gas tank goes to empty again to see how much a fill up is. LOL
Re: the gifts, you're right. Luckily for my SIL, I just noticed that one book she has on her list is a book I already have but have never read so am going to give her that plus something the kids have made for her (not sure what yet). For her DP we will get something small off his dumb giftlist - there's a calendar there for £5 which is about $8. That will do.

I think after this Christmas we need to bow out too. I just cannot afford to do this, even with $8-10 presents per person we are spending more than we can afford. Being at home with my kids, being well fed and warm is more important than anything else to me.
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