~March No-Spend Challenge~ The Day of Reckoning...how did you do? What did you learn? What will you do differently next month? - Page 22 - Mothering Forums

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#631 of 636 Old 03-31-2009, 11:40 PM
 
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1st : $3.50
2nd
3rd $3 (3)coloring books $7.50 music book $2.50 drinks $60 wireless router $25.50 eating out $65 DH's game
4th $5.50 drinks/snack
5th $15 pizza
6th
7th $18 fast food $5 coffee $50 wrap
8th $22 pictures $8 facial cleanser
9th : $2.25
10th : $7
11th : $2.25 $10 book store $26 Victoria's Secret $6 pretzel & drink $10 eating out
12th : $2.25 . . . $20 coffee & eating out
13th
14th
15th : $2.25
16th : $2.25 pizza $15
17th $14 eating out
18th
19th $2.25 pop and candy
20th
21st
22nd $3.50
23rd : $3
24th
25th : $1.50 $5 pop and snack
26th : $5 $5 coffee
27th $20 eating out
28th $10 snacks
29th : $2.50
30th
31st $20 eating out

KEY/GOALS/TOTALS

No Unnecessary Spending 10

: 0/300 Savings

: $418

: $33.75 Badge Spending $427.25 Spending Total

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?"
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#632 of 636 Old 04-01-2009, 09:16 AM
 
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How did you do?

Eh, OK. I spent less than we made this month, but I didn't save enough to cover the interest-only payment due on our house in December (i.e., I need to save more on average each month in order to save the total amount by December).

What did you learn?

Tax withholding choices drastically affect your take-home when you make minimum wage! Pets are expensive! Kids' clothes can all be bought used!

What will you do differently next month?

I will figure out the exact dollar amount I need to save towards the December payment, and make my discretionary household budget equal to our take-home minus that amount. I will start contributing to the 401(k) we are setting up this month. I will accept my love affair with plastic, and not try to envelope any of my categories!

---------------------------------------------------------------------------

3/1: $500 cash taken our for all food expenses this month ($20 of that fed the drawer), amount in checking account that's above our minimum comfort level "swept" into savings
3/2: $29.06 groceries, $6.87 household goods
3/3: $39 case of pull-ups arrived from Amazon
3/4: $11.46 localharvest order, $25.52 groceries (isn't it clever how they have the localharvest pickup at Whole Foods?),$20 eyebrow/lip wax, $14.92 household misc. at Wally-world
3/5: went on a day trip - $15.82 gas, $4 fast food that is coming out of the food budget because I left my bag of change in the car. Then $15 for my dinner at Mom's Night Out.
3/6: $11 food, 72.25 household at Costco. I'm so glad dh finally let me buy him some pants that fit!
3/7:
3/8: $40 Hooked on Phonics Kindergarten set (a big discount!), $4 food at Purim festival.
3/9: Exercised! Shifted $80 from grocery envelope to drawer. Milk and eggs at farm $5, $24.97 groceries, $12.30 Mickey-Ds, $11 haircut.
3/10: $14.30 gas, $5 at Subway, $81 dollar traffic ticket that I actually counted the day it was issued in February, but I am just going to count AGAIN to punish myself some more. Plus, I paid it out of my grocery envelope. $174 on food for the rest of the month - THAT should put a crimp in my drive-thru habit! Good thing dh is going out of town on business for two weeks - his organic fruit consumption factors hugely into our food costs.
3/11: $29.36 garden stuff at Home Depot, $5.30 shirt, $15 new sunglasses ( and a candy bar) at Target
3/12: $3.22 at for a bagel at the kosher deli (don't regret it!), $40.64 household stuff at Wally-world, $40.87 garden stuff at Wally-world, $21.19 for SIL's birthday present. Had to take out cash to pay a bill, and took out an additional $80 to feed the drawer.
3/13: $3 n change for breakfast (I made myself tea, then stupidly left travel mug on kitchen counter), $.74 for pencil grasp thingies for dh (used the change), $42 groceries $68 household at Costco. ETA: a lady from my AP Meetup group just showed up with her bassinet, which I bought for $40 out of the drawer and $10 out of my grocery envelope)
3/14: $17.25 household (antacids for me, energy bars for dh's trip)
3/15: on the go all day today! About $8 on fast food, $40.37 for groceries. Once I buy milk and eggs from the farm, I do believe we are fixed for groceries until next week!
3/16: Exercised! $1 at bake sale
3/17: $5 Chick-Fil-A, $3 milk and eggs (balance came out of change bag), $17.50 gas, $24.50 car cleaned inside and out (it smells like pina coladas now!), $30 at consignment sale ($11 for shirts for ds, rest was maternity clothes for me and two things for the Easter baskets).
3/19: $30 groceries, $36 household (bras, b-day present for ds' classmate, waterproof mattress pad because dd ripped hers to shreds)
3/20:
3/21: $8.56 on fabulous locally-produced goat milk soap. Don't regret it!
3/22: Huge festival at the Temple! $48.50 on food, bouncy house and various Jewish items for the kids. Of course, I paid cash out of my grocery envelope. Have I mentioned yet how much I hate my grocery envelope?
3/23: $4 Dunkin Donuts, $17.17 groceries at Wal-Mart, $80 cash from ATM of which $20 fed the drawer to bring the total to $560. The rest of our building fund contribution is not until June, so I will definitely be able to cover that plus some other frills if I keep at it!
3/24: $20.21 on groceries (goodbye cash envelope! I will not miss you!), $43.36 glucometer and toys
3/25:
3/26: $7.09 at bakery (cookies for BIL), $7.80 Mickey-Ds
3/27: $71.99 at Wal-mart (big storage boxes, ANOTHER b-day present, little presents for my kids for absolutely no reason, South Beach bars, hand soap).
3/28:
3/29: $8 mikveh-day present for ds, $8 Chinese takeout (split with ILs and we used a coupon, so I have leftovers in my fridge!)
3/30: VET. $429.64. And the dog needs his teeth cleaned.
3/31: $17.08 on gas, $1 airport parking (dh is home! yay!)

Goals

1/1 Sweep into savings
372/400 on food (I will never use the envelope system again! I loathe it!)
200/300 fed to the drawer
11/30 on finishing up kids' summer wardrobes
20/20 days doing homeschool lessons
2/12 days exercising

1765/1200 total non-fixed-cost spending
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#633 of 636 Old 04-01-2009, 09:32 AM
 
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- make sure we only spend $100 a week on groceries

weekly totals for food:
March 1 - March 7: 85/100
March 8 - March 14: 42/100
March 28 - April 5: 99/100

= budgeted spending
= non-budgeted spending
= no spending


3/1- on : 76.50
3/2- on : 3.00
3/3- 2.00 trip prep
3/4- 5.00 on : (baking ingredients) - $ came from change collection and not the grocery budget jar - we made a whole tray of brownies instead of buying two brownies for $5.
3/5- on : 6.50
3/6- finally... even if most of my spending has been within the budget
3/7- 5.00 on snacks while out and about with dh & ds
3/8- on : 42.00
3/9-
3/10- I don't remember - I was getting ready for my trip. not more than 10.00
3/11 to 3/26- I only spent the $ I had saved for my trip and didn't use my CC or the emergency $ I brought with me. Now it's back to real life.
3/27- 2.00 for two books from the library used book section
3/28- on 50.00 on bread machine & 30.58 on :
3/29- on : 68.00 - only 2.00 left for the week
3/30-
3/31- on : 1.00 / 21.00 on cat food / 21.00 on baby needs

This was a good month. I enjoyed seeing how the withdraws from my account are all bills or cash for my envelopes. There hasn't been a debit purchase in more than six weeks.

At the beginning of the month we had grocery money left over each week that we put aside for food during our summer holiday to visit family. In the last week we didn't have any leftover. Next month I'd like to work on our meal choices so that we can continue to bank some money at the end of each week.
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#634 of 636 Old 04-01-2009, 10:30 AM
 
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OK, one day left, but I doubt I will learn anything new in the next 18 hours LOL, of course I will leave it open to do so!

How did you do?

I did ok. I blew my $400 grocery budget or just realized it has to be $500 plus instead of $400. Not because I am buying the wrong things, but things have gone up in price, we have a larger family (not 2 adults and a tot but 2 adults and 2 kids now who are growing like weeds).
I also listed some expenses I would have this month and I was under on one and a bit over on the other so it evened out.

What did you learn?
I learned about the grocery budget. I also learned its nice to have money to have a much needed date w DH so its worth it to not spend somewhere else. We were thinking of getting a musuem membership to go to an exhibit we wanted to see. Well DD1 needed shoes badly. So the money went to that instead, so we can do the membership another month since the exhibit will be here for a while. So we should pick and choose things and not spend money just because we have it.


What will you do differently next month?

April should be an easier month because we do not have much expenses coming up, so we will have some extra money for the SHTF budget or can roll that into the emergency fund we are raising.
I will again track the grocery fund and see if that can be restricted. One thing I do have coming up- for the summer time we have more "treat" style food since we go to the pool, park etc and if I buy it ahead in a bulk style, the kids can have their treats for a fraction of the price and they know when its gone, its gone.

One thing we do do is have a variety in our food diet. One week we may have pears, but next week we will have strawberries as they come in season over the next few months. I will not have strawberries all year even though dds would love that, I want them to have a variety. Not just because of expense but because they should be eaten several types of things.

"The true joy of life is the trip. The station is only a dream. It constantly out distances us."
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#635 of 636 Old 04-01-2009, 06:07 PM
 
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Quote:
Originally Posted by dsaucone View Post
1st : $3.50
2nd
3rd $3 (3)coloring books $7.50 music book $2.50 drinks $60 wireless router $25.50 eating out $65 DH's game
4th $5.50 drinks/snack
5th $15 pizza
6th
7th $18 fast food $5 coffee $50 wrap
8th $22 pictures $8 facial cleanser
9th : $2.25
10th : $7
11th : $2.25 $10 book store $26 Victoria's Secret $6 pretzel & drink $10 eating out
12th : $2.25 . . . $20 coffee & eating out
13th
14th
15th : $2.25
16th : $2.25 pizza $15
17th $14 eating out
18th
19th $2.25 pop and candy
20th
21st
22nd $3.50
23rd : $3
24th
25th : $1.50 $5 pop and snack
26th : $5 $5 coffee
27th $20 eating out
28th $10 snacks
29th : $2.50
30th
31st $20 eating out

KEY/GOALS/TOTALS

No Unnecessary Spending 10

: 0/300 Savings

: $418

: $33.75 Badge Spending $427.25 Spending Total
How did you do? Horribly. I managed to spend more on my badge than last month. I couldn't save anything. I spent more in than I did on :. My priorities are off!

What did you learn? A lot of our money is wasted eating out. $204.75 was spent eating out. That's crazy. That makes my food expenses over $622 for a family of 3 + a babe. Ridiculous.

What will you do differently next month? I'm going to "pay myself" first. $100 from each paycheck + my entire extra paycheck at the end of the month because of the extra Friday. This will help with the savings. I'm really going to have to use willpower to not spend on my badge, however I am making some attempt through preparation at home. I've bought 12 pops for $6 as opposed to the $13 it would cost me at work. I've also cut up veggies and put them in containers with dip in order to have a snack. It's healthier, already packed and cheaper than candy. I've also gone to an all cash system with DH's checks. Any of his paychecks will be cashed and used to pay for gas/food/extras. When it's gone, it's gone. Hopefully we'll have leftovers because I budget expecting his lowest possible pay.

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?"
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#636 of 636 Old 04-02-2009, 10:28 PM
 
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1st-9th:
$264 groceries (Costco rebate check)
$81 groceries
Library fine $20
Fast food: $8
Baby doll (gift for dd) $7
groceries $33
Home improvement (homeschool boxes) $12
10th-15th:
$133 groceries
$22 Fast food
$147 Clothes
$178 Co-op order
16th-19th
$72 co-op
$11 fast food
$81 kids stuff
$13 clothes
$17 haircut
20th-25th:
Groceries, food $60
Fast food $6
Homeschool Yearly Order: $334
26th-28th:
Groceries: $16
Kids Books: $23
Fast food: $9
29th-30:
$62 Groceries
$10 Ebay DVD
31st: $3.50 fast food
$21-grocery
11.50 diapers
5 kids co-op

Totals:
Groceries: $670
Kids stuff: $450
Home improvement: $12
Library fine: $20
Fast Food: $65
Clothes: $160
Co-op $ 250
$17 haircut
$10 Ebay DVD
$11.50 diapers

I have spent a TON of money this month... hopefully we'll have a few low spend months for the next 3-4 months, Yikes

Basically, this month sucked! But, I won't be buying so much over the next few months... I plan to cut my errands down to one day a week and I am hoping that will help.
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