~January No-Spend Challenge~ We're at the finish line! How did you do? What will you do differently next month? Analysis time... - Page 5 - Mothering Forums

Forum Jump: 
 
Thread Tools
Old 01-02-2009, 09:35 PM
 
Belleweather's Avatar
 
Join Date: Nov 2004
Location: The Heart of the Heartland
Posts: 3,197
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Joining Up!

Who I Am Hi, I'm Anne, WOHM to Elliot and Rhys who are three and one. We live in a small town out side of Minneapolis.

Where I am going We committed to a vacation with my inlaws for February, before I got a job offer I couldn't pass up and we had to move on exceedingly short notice. Moving + Holidays has put us behind the eight ball for funding this vacation, and we briefly thought we were going to have to cancel with MUCH pain and anguish since the ILs had already paid. (Read the whole sordid story in the "Watch us Commit Financial Suicide" thread). It looks like we can eek the vacation out after all, so long as we spend basically nothing between now and Feb. 13th.

How I plan to get there Well, right now we have effectively NO money until January 9th, so that part is easy. After that, we're on a challenge to see how little money we can spend outside of required bills in the next 6 week. I suspect that we'll be relying on our pantry, Netflix, the no-knead bread recipe that I just fell in love with, the local library, our zoo membership and any other free things I can think of to do.

Jan 1: $11.08 (subway, before we knew the extent of the mess we were in. A mistake that won't be repeated. )
Jan 2: $2.13 (Groceries, which included using holiday dollars and free item coupons. We got 3 BAGS of groceries for $2.13!!)

Spending all of my money and time on this wild, wild life.
Belleweather is offline  
Sponsored Links
Advertisement
 
Old 01-02-2009, 10:02 PM
 
PrettyBird's Avatar
 
Join Date: Jun 2005
Posts: 2,207
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Key:
No spend
Necessary spending:
Planned, but unnecessary spending:
Unplanned, unnecessary spending:

1/1:
1/2:
PrettyBird is offline  
Old 01-02-2009, 10:30 PM
 
mamayarn's Avatar
 
Join Date: Dec 2007
Location: US
Posts: 378
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by Belleweather View Post
Jan 2: $2.13 (Groceries, which included using holiday dollars and free item coupons. We got 3 BAGS of groceries for $2.13!!)
Sweet!! Every little bit helps.
mamayarn is offline  
Old 01-02-2009, 11:05 PM
 
Arwyn's Avatar
 
Join Date: Sep 2004
Location: Twitter, RMB, PDX
Posts: 16,566
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by nina_yyc View Post
and seemingly endless spending on trying to look presentable...gym, trainer, Weight Watchers, clothing, makeup and hair stuff (I hate being a girl.)
You know, you don't have to do those things if you don't want to, even if you are a girl. I probably SHOULD do gym (or more exercise -- walking is free!), and of course I have to have some clothes, but I really don't spend money on those things. I went five years without a haircut, and now do it maybe twice a year (I try to get cuts that look good growing out), I don't wear makeup, or use hair products, etc... And I'm definitely a woman.



For me today, I almost spent $8 on a set of much-needed knitting needles, but they were out in the size I needed, and I (barely ) refrained from getting the $20 set instead. And then even when the child insisted we walk around the super-expensive village we were in, and we walked past not one but TWO coffee shops (a Starbucks and a super cool independent one), I actually refrained from getting anything. : So not for lack of trying, but we did OK again today. We did get gas, but Gary needed it for work.

1/1:
1/2:

1/20 no-spend days,
2/15 eat at home in the first half of Jan
Arwyn is offline  
Old 01-02-2009, 11:25 PM
 
jakesmama's Avatar
 
Join Date: May 2005
Posts: 667
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
I am off to a really good start! Being able to refrain from spending (and I was actually out today) is amazing for me. I need to add another category, cell phone minutes usage, gah. 20 per day no more.
Key:
-absolutely no spend
: -no drive day


1- , 0/20 min, :
2- , 21/20 min
3-
4-
5-

2/20: No spend

2/20: eat at home

Gas: 21.26/50.00

Slush Fund: Earned $50.00/ Spent 0.00
jakesmama is offline  
Old 01-02-2009, 11:41 PM - Thread Starter
 
Crunchy*VT*Mom's Avatar
 
Join Date: Apr 2007
Location: Home of the Screaming Pennies
Posts: 2,961
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
seemingly endless spending on trying to look presentable...gym, trainer, Weight Watchers, clothing, makeup and hair stuff
: Isn't that the truth?!

I never really realized how much $$$$ I spent on just upkeep until I started tracking where my money went.

Getting your hair cut around here is $40 and I have a pixie cut...so I'm getting it reshaped every six weeks. That adds up to a lot of money at the end of the year.

Like Arwyn, I've given up the makeup (but that is due to lack of skill in application...I always come out looking like hoochie) but I spend a ton on clothes, hair, and "body upkeep"

 

 

Crunchy*VT*Mom is offline  
Old 01-02-2009, 11:59 PM
 
Danielle283's Avatar
 
Join Date: Jun 2005
Location: NC
Posts: 848
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Today DH returned a $200 uneeded truck part, and something I ordered a few weeks ago was canceled, giving me $33 back. Yay!

1.
2.
Danielle283 is offline  
Old 01-03-2009, 12:01 AM
 
sweetpeppers's Avatar
 
Join Date: Dec 2007
Location: Medford, NJ
Posts: 836
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Well, I did this for November, and I didn't keep up with it. My financial goals for this month (and the year):

1. No more grocery store shopping. Only produce junction (as I eat mostly raw, fresh food), costco, and target for my occasional tortilla chip runs.
2. Buy nothing that I don't absolutely need. Only food and gas, basically.
3. Find free places to play basketball, hang out with other kids and mothers, and eat.
4. Invite friends over for dinner or vice versa more often.
5. save all receipts

1/1-0
1/2-0
1/3-$10 on gas
1/4-0
1/5-$18 on sandpaper and screws
1/6-

my toy shop on etsy.com: wooden baby keys, natural bathtub toys, wooden animals, little kitchens, waldorf dolls...also check out my blog about saving money, creating things, and natural living
sweetpeppers is offline  
Old 01-03-2009, 12:33 AM
 
boigrrrlwonder's Avatar
 
Join Date: Jan 2007
Posts: 1,024
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
1/1: $9.50/$30 of the transportation budget
$5.25/$250 grocery budget
1/2: $.50 of necessary but unbudgeted spending (DH needed air for his bike tire)
boigrrrlwonder is offline  
Old 01-03-2009, 12:39 AM
 
liangel's Avatar
 
Join Date: Oct 2006
Location: South Carolina
Posts: 481
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
I took a little "No Spend" break, but I am back now. DH and I are expecting our first baby in a few months, so the belt needs to be tightened up.

My key:

:=groceries
= anything deemed necessary (gas, health and beauty products)
=unnecessary spending
=no spending

1/1-
1/2-

Proud mama to : Nicholas James born 3/19/09
liangel is offline  
Old 01-03-2009, 12:40 AM
 
Logan's Mom's Avatar
 
Join Date: Mar 2006
Posts: 1,421
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 1 Post(s)
January 1st - No Spend/No Drive :
January 2nd - Breakfast $20


20/30 food budget
Logan's Mom is offline  
Old 01-03-2009, 01:08 AM
 
Purple*Lotus's Avatar
 
Join Date: Nov 2007
Location: Fluffyville
Posts: 5,572
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
January 1st: No spend day
EARNED $60.48 via E-bay sales.
January 2nd: Spend day :
$5.20 on eating out
$18.00 budgeting clothing items
$20.00 personal allowance money spending
$10.00 DH's birthday present, budgeted
Not a terrible day, as only one item was not budgeted for, but it still irked me.

DH and I are preparing to list about 9 more items on ebay tomorrow.

ribbonpurple.gif  "And the day came when the risk to remain tight in a bud was more than the risk it took to blossom." Anais Nin
   
Purple*Lotus is offline  
Old 01-03-2009, 01:41 AM
 
becoming's Avatar
 
Join Date: Apr 2003
Location: Louisiana
Posts: 11,592
Mentioned: 1 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Well, January 2 was a big fat failure for us. I ended up having to take our youngest to the doctor and took too long getting ready, so I didn't get to eat breakfast at home. So yes, I ate breakfast out. THEN we stupidly decided to go out of town right around dinnertime, so we ate out for dinner, too.

I did find a GREAT, almost unbelievable deal on a twin bedding set for my daughter, and I also scored some sweet Christmas deals today, too. And I picked up my FREE 8x10 print from Walgreen's--a lovely photo of my sweet baby boy. So it wasn't a total wash-out today, I guess.

1/1:
1/2: $15 co-pay, $3.84 breakfast, $30.94 meds, $28.26 Christmas 2009, $42.39 dinner, $30.50 gas, $57.18 DD's bedding

1/15 NO SPEND days
1/25 eat-at-home days
0/$600 groceries/household
$28.26/$75 Christmas spending
Eating out total: $46.23
Walmart trips: 1/5
becoming is offline  
Old 01-03-2009, 02:46 AM
 
triscuitsmom's Avatar
 
Join Date: Jan 2007
Location: Between Toronto and Ottawa, Ontario
Posts: 1,822
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Yesterday DP got paid a day early so we got some bills paid and today I placed two online orders for things I needed before the baby got here (everything else is local so it's not as urgent but I was feeling a rush to get the online stuff ordered and closer to being shipped since I'll be within the range of full term in 2.5 weeks ).

Goals for the Month of January
1. Half the month with no spend days: 0/15
2. Unplanned spending 5 or fewer days: 0/5
3. Pay off three debts: 0/3
4. Tim Hortons 5 or fewer days: 0/5
5. Place two book orders without using credit (for DP and I for the upcoming semester): 0/2
6. Obtain the rest of the baby and homebirth supplies under budget and no credit: $132.16/$250.00 spent

November 08 totals: 16 no spend days, 5 days unplanned spending, 1 Tim Hortons run; total $104.35 in unplanned spending
December 08 totals: 14 no spend days, 2 days unplanned spending, 4 Tim Hortons runs; total $13.90 in unplanned spending

January 1: Credit card minimum payment, rent, $2.49 for a loaf of bread
January 2: Postpartum supplies

Running Totals:
Budget set spending (tithe, rent, utilities, phone/internet/cell, insurance, bank service fees, debt minimum payments): $790.50
Budget discretionary spending (everything else on our budget, not including food, debt snowball payments): $132.16
Groceries: $2.49
Unplanned/Uneccessary spending: $0.00

Alison
Mama to Toad (08/06), Frog (01/09)... and new baby Newt born on his due date, Sep. 8, 2010
triscuitsmom is offline  
Old 01-03-2009, 07:56 AM
 
Peppermint Poppies's Avatar
 
Join Date: Jan 2007
Location: I come from a land downunder
Posts: 855
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
I joined the previous thread one week before the end of December, but I'll reintroduce myself here, in honour of the new year

Who are you:
I’m Cherie, SAHM to DS (20 months) with another on the way, due in early May this year. DH, myself and DS are relocating to a higher cost of living area in 2 weeks time, but our income will not increase substantially.

Where are you going (your financial goals)?:

-To continue to maintain a zero credit card balance
-To have our income equal or exceed our expenses each month
-To keep our financial accounts organised and easy to deal with at tax time,
-To build up a $1000 baby emergency fund

How do you plan to get there?
-Track all income, expenses, transactions etc in Quicken.
-Print monthly Cash Flow Reports, to see ensure that $$ coming in is higher than $$ going out.
-Have a weekly Budget Meeting with DH, to review account balances, spending and upcoming bills/payments
-Minimise unnecessary expenditure
-Use car as little as necessary, to cut down on costs. Aim for 1 car-free day per week
-Participate in the no-spend threads
-Spend time increasing my financial literacy

Mothering my 4yo DS and 1yo DD
I knit : I sew : I read : I craft : and I very occasionally and irregularly blog
Peppermint Poppies is offline  
Old 01-03-2009, 08:03 AM
 
Peppermint Poppies's Avatar
 
Join Date: Jan 2007
Location: I come from a land downunder
Posts: 855
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
1 : :
2 Mad money for me $20, Groceries $23.68 :
3 Morning tea for family $16.35, Petrol $24.61 :

Tally:
Emergency fund: $611.66/$1000
Unnecessary spending: $36.35
Groceries: $23.68

No spend
Necessary / budgetted spending
Unnecessary / unbudgetted spending
: No car days (walking or public transport only)
: All transactions entered into Quicken

Mothering my 4yo DS and 1yo DD
I knit : I sew : I read : I craft : and I very occasionally and irregularly blog
Peppermint Poppies is offline  
Old 01-03-2009, 08:29 AM
 
FeelingBlessed's Avatar
 
Join Date: Dec 2007
Posts: 484
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
This thread continues to save our family boatloads of moolah 1 1/2 years after signing on; endless thanks to Pru and all of the other ladies here, and welcome newcomers!

Kim :

a. Who you are...
My name is Kim; I am a SAHM/PT WAHM (freelance writer) to 2 great little kids. DH works FT and also goes to school FT.

b. Where you are going (your financial goals)...
1. Keep the budget in the black + stick to it.
2. Replenish emergency savings.
3. Continue to hit the debt snowball hard.
4. January - Break $234K in debt paid off since we began to snowball in Feb. 2008.

c. How you plan to get there...
1. INCREASE income - WRITE DAILY
2. Sell/donate unneeded items
3. CREATE A MEAL PLAN AND STICK TO IT!
4. No more late library materials!
5. ORGANIZE! Majority of overbudget/frivolous spending can be prevented with improved organization.
6. Exercise: feeling good = decreased emotional spending

JANUARY GOALS:
* Write Daily: 0/31
* Less than $25 in frivolous spending: month to date $0
* At least 25 days (no spend or spending w/in budget): 0/25
* 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

Previous months:
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
June '08: 21 days; $137.20 frivolous; $621 groceries/eating out, 17 Organize/Declutter days, 23 Exercise days
July '08: 20 days; $88.44 frivolous; $892 groceries/eating out, 15 Organize/Declutter days, 20 Exercise days
Aug. '08: 21 days; $286.33 frivolous; $740.81 groceries/eating out, 27 Organize/Declutter days, 21 Exercise days
Sept. '08: FIDO
Oct. '08: 27 days; $18 frivolous; $769.02 groceries/eating out, 21 Organize/Declutter days, 25 Exercise days
Nov. '08: 23 days; $55 frivolous; $1,178.77 groceries/eating out, 24 Organize/Declutter days, 14 Exercise days
Dec. '08: 25 days; $8.95 frivolous; $859.01 groceries/eating out, 27 Organize/Declutter days, 14 Exercise days
FeelingBlessed is offline  
Old 01-03-2009, 12:21 PM
 
KnittingKara's Avatar
 
Join Date: Jun 2005
Location: Indiana
Posts: 498
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
My goals:
- 20 no spend days ~ 1/20
- Less than $50 unnecessary expenses
-> "Slush Fund" = Earned $0.00 / Spent $0.00
- stay on budget
-> gas (0/$80)
-> groceries ($5.28/$240)


Dec31 - Paid (paid bills, set up envelopes for budget $)
Jan 1 - Happy New Year! had to spend $19 getting a patch on a flat tire on Dh's truck ... also $5.28 in grocery (but at least at our local store, not a big box chain store)
2 - No Spending! and ate from the pantry : Awesome!
3 -

I think this weekend I need to follow some of the good examples here and get some of our excess stuff together to start selling to pad that "slush" fund

knit.gifKara~ Rockin' Granola wife to Christopher and mama to J (Nov. '01), M (June '06), L (May '08) and stork-girl.gif (edd 8/3/11)
2011:  a year to Make Do, Do Without, or Do It Ourselves 
KnittingKara is offline  
Old 01-03-2009, 02:04 PM
 
Ruthiegirl's Avatar
 
Join Date: Jun 2004
Location: Feet in the mud, head in the clouds
Posts: 3,635
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 16 Post(s)
I am returning a bunch of Christmas clothes that I don't like -- that should net us $150. Hooray!

I have been wanting a table in the basement for folding clothes/organizing gear. After dh cleaned out the garage, I realize I have enough wood to make one. So, dh is taking the kids while I go do a little free woodworking and I can finally get all of our hand-me-downs washed and sorted.

1 -- 15.40 -- laundry detergent and medicine for ds
2 -- 16.36 -- animal hospital (our cat died)
3 --
4
5
6
7
8
9 -- pay day
10
11
12
13
14
15
16
17
18
19
20
21
22
23 -- pay day
24
25
26
27
28
29
30

Groceries 0/400
Debt payment 0/1000

Frugal, food growing mama to my four loves

Ruthiegirl is online now  
Old 01-03-2009, 02:11 PM
 
ladyinred's Avatar
 
Join Date: Jan 2008
Posts: 451
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Joining in for another month.

A: Who am I?
I'm Ladyinred, I'm a substitute teacher without any kidlets of my own yet. I find budgeting generally pretty hard because I never know from one month to the next how much work I will get and how much I will make. I didn't get much work in December so January will be a very lean month.

B: Financial Goals
For this month, pretty simple to say but hard to follow. I have $70 to last me to the end of the month.

C: How I'm going to get there
-Record all my spending and add it up so I always know how much I have spent
-No spending with my CC
-As many no spend days as humanly possible
-Stay home and play board games, invite friends over, drink lots of water (it's free and healthy), watch the movies we already have, be the designated driver at parties
-Any extra pay I get this month is going to pay off my CC

I spent too much the last few days of December/first few days of January which is what got me in this prediciment in the first place. So I'm starting with a clean slate today, forgetting about the last few days and moving on from there.

03/01 - :

Spent: $0.00/$70.00
ladyinred is offline  
Old 01-03-2009, 02:16 PM
 
Ruthiegirl's Avatar
 
Join Date: Jun 2004
Location: Feet in the mud, head in the clouds
Posts: 3,635
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 16 Post(s)
And I must give a hearty round of applause to my darling husband and partner. We are out of vacuum bags, so he used tongs and pulled all the stuff out of the old bag, cleaned it out, and is reusing it while he vacuums the house. : :

Frugal, food growing mama to my four loves

Ruthiegirl is online now  
Old 01-03-2009, 02:23 PM
 
onthemove's Avatar
 
Join Date: Aug 2004
Location: with sequins and glitter glue
Posts: 1,043
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by Ruthiegirl View Post
And I must give a hearty round of applause to my darling husband and partner. We are out of vacuum bags, so he used tongs and pulled all the stuff out of the old bag, cleaned it out, and is reusing it while he vacuums the house. : :


Love it!!!!
onthemove is offline  
Old 01-03-2009, 02:59 PM
 
boigrrrlwonder's Avatar
 
Join Date: Jan 2007
Posts: 1,024
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Ruthiegirl - I'm so sorry about your cat!
boigrrrlwonder is offline  
Old 01-03-2009, 03:05 PM
 
nina_yyc's Avatar
 
Join Date: Nov 2006
Location: Calgary, Canada
Posts: 2,010
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by Arwyn View Post
You know, you don't have to do those things if you don't want to, even if you are a girl. I probably SHOULD do gym (or more exercise -- walking is free!), and of course I have to have some clothes, but I really don't spend money on those things. I went five years without a haircut, and now do it maybe twice a year (I try to get cuts that look good growing out), I don't wear makeup, or use hair products, etc... And I'm definitely a woman.
LOL, you are completely right - many beautiful women spend nothing on beauty, and some men spend way too much!

I don't really know where to cut back though...My hair is extremely fine and curly and I have tried to go without top-quality products and it was kinda scary. My DCP does my cuts and colours in her kitchen sink for a fraction of the price I would pay in a salon and does just as good a job. I do like makeup but that truly isn't a major expense. Weight Watchers is hopefully a short-term, the gym is a great deal at $20/month, and I see my trainer only once every two months to update my program so I can get the most out of my gym time.

Clothes are a major issue for me. I do not have time to thrift for everything and I bought a bunch of cheap mall clothes this fall just to have something to wear to work. Now that I can safely be seen in public, I have resolved only to buy high-quality items that will build my wardrobe for the long term. Of course, this somehow justifies the purchase of fashion magazines.

Quote:
Originally Posted by Crunchy*VT*Mom View Post
I never really realized how much $$$$ I spent on just upkeep until I started tracking where my money went.
That's one of my big reasons for doing this!!
nina_yyc is offline  
Old 01-03-2009, 03:10 PM
 
nina_yyc's Avatar
 
Join Date: Nov 2006
Location: Calgary, Canada
Posts: 2,010
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
1/1
1/2 $1.50 Groceries and am gonna have to go back tomorrow - WHY did I forget milk?? But did heroically avoid the magazine rack.
nina_yyc is offline  
Old 01-03-2009, 03:30 PM
 
Ruthiegirl's Avatar
 
Join Date: Jun 2004
Location: Feet in the mud, head in the clouds
Posts: 3,635
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 16 Post(s)
Quote:
Originally Posted by boigrrrlwonder View Post
Ruthiegirl - I'm so sorry about your cat!
Oh, thank you so much. She was a beloved old girl. We'll miss her.

Frugal, food growing mama to my four loves

Ruthiegirl is online now  
Old 01-03-2009, 03:54 PM
 
dsaucone's Avatar
 
Join Date: Mar 2008
Location: wayne county, New York
Posts: 1,011
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Prior to Jan, but I do weekly budgeting 16.91 Groceries & 16.34 Gas.
1st 9.04 Groceries
2nd BLEW IT87.48 Car repair and Inspection, 33.49 Motherhood (1nursing bra + 4 pairs of pads), 18.13 Home Depot (shovel - no plowing provided by landlord in upstate NY is just craziness), 7.16 Tom Wahls (dinner for me and DD - taking from grocery budget), 23.46 Target (14.98 necessary for DS, taking from grocery budget - 8.48 frivolous), 37.17 Gamestop (DH used a giftcard and some store credit towards a game, part of his allowance, but still not needed and not really affordable THIS month. He's aware and did it anyways.)
3rd


Monthly Totals
Needed Extras/Misc. 139.10/200
Groceries 48.09/375
Gas 16.34/125
"Uh Oh's" 45.65

S-d D which made them three. M grew lonely, and now there's baby D.
"Who of you by worrying can add a single hour to his life?"
dsaucone is offline  
Old 01-03-2009, 04:11 PM
 
Scribe's Avatar
 
Join Date: Feb 2007
Location: Probably at the thrift store
Posts: 3,806
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Hey again everyone! Happy New Year!

I totally failed in December. It was miserable, you don't even want to know how bad. So I am back in with a vengeance for January and for 2009 in general. My goals remain as always--pay down the credit card! And that's all I am going to have for goals--no specifics. I think I get myself too caught up in the specifics. So I'm just going to see how I do this month if I am doing my best.

Jan 1:
Jan 2:

Good luck to all of you, and thank you for your support again.
Scribe is offline  
Old 01-03-2009, 04:12 PM
 
Alyantavid's Avatar
 
Join Date: Sep 2004
Posts: 7,595
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
My name's Allyson and I'm going to try this again this month. I usually give up about halfway through.

We're trying to up our savings right now and hopefully by not spending as much we'll get there faster. I'm trying to make most of our meals from what we already have in the house, we don't eat out much at all, we just don't need to be spending anything either right now.

Right we are spending alot but most of it is money that we were gifted at Christmas so we're trying to get some things we've been needing.

1-$0
2-$387.55 - groceries, car part, snowboarding equipment
3-$0
4-$0
5-$139.42 - snowboarding trip
Alyantavid is offline  
Old 01-03-2009, 05:05 PM
 
Kimcarrots's Avatar
 
Join Date: May 2004
Location: noho ma
Posts: 277
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Hello all!

I have been lurking here for a very long time but CrunchyVTMom's announcement of being debt free really got me pumped :! Congrats!!

I am Kimberly - partner to Nate and mother to 3 boys - 12, 9, and 2. I work very little - 5 hours or less as a psychotherapist - my hubs is the major wage earner.

We have a tiny tiny bungalow so this year is the year we move back to our favorite town and buy a house we can all live and learn in. That said, we need to save and pay off debt. We have a HUGE student loan, a small credit card balance (used to put a new roof on our house to get it ready to sell) which should be paid off in a few months (hitting it hard ) and we just need to squirrel away every penny to not feel house poor once we get our new place.

How?

Gratitude
Surrender :
Free activities and day trips with library passes
Keeping fit because exercise/feeling good = less money spent (thank you FeelingBlessed for this idea!)
Menu planning - KEEP TO $700/mo (we spend way too much on food and we are in the NE)
Once a month shopping and living off our CSA's winter share :

January
1
2 $14.24 Chocolate and a video rental (why didn't i just watch my free library movies???)
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
Kimcarrots is offline  
 
User Tag List

Thread Tools


Forum Jump: 

Posting Rules  
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are Off