~June No-Spend Challenge~ We're tracking our spending and saving money! - Page 3 - Mothering Forums

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#61 of 300 Old 06-03-2009, 07:31 PM
 
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Fantastic news on the car front! DH did some of the repairs himself this weekend and it really paid off! It only cost $200 to inspect instead of the $500 they estimated last week!

06/01:
06/02:
06/03:

Goals:
3/20 No spend days.
0/$100 Frivolous spending.
3/6 Diapers sewn from stash fabric & supplies.

Jenny, proud maker of red things
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#62 of 300 Old 06-03-2009, 08:47 PM
 
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I want to save more than I spend.

Rent $675
Gas $26.63
RoadRunner $49.99
Student Loan $50.00
Entertainment $34.25
Eating Out $10.50


Savings $0/$500

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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#63 of 300 Old 06-03-2009, 09:40 PM
 
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Hi! This is my first time joining, and it's with some trepidation . I'm great at making a budget...it's the keeping it that's the hard thing. I hope this group can help keep me accountable .

a. Who you are
I'm Emilie. I'm a SAHM to my 2 1/2 year old DS and my 10 week old DD.

b. Where you are going (your financial goals)
The big goals are to pay off our debt ($1100 medical bills, $2300 car loan, and big big student loan) and start saving for a house down payment.

We have a $1000 emergency fund already, so that makes me feel good.

I'd like to end the month with $ leftover in our checking acct instead of our balance at zero.

c. How you plan to get there

Stick to my budget! Stop making little unecessary purchases on things like coffee, snacks and eating out 'cause even though we don't do it often they still add up. Go with a cash budget for food, household items and gas. I think I'm going to allocated a small amount of cash for eating out so we can keep track of that easier instead of just whipping out the debit card. Meal plan so we won't even have to get takeout for dinner. Make grocery lists and stick to them.

June
06/01: 47.55 bulk laundry soap and litter (household), 100.19 groceries, 15.00 takeout tacos (dining out)
06/02: 48.35 groceries, 29.81 vitamins (household)
06/03: 3.50 knitting pattern

Budget for June:
148.54/$400 Groceries
77.36/$120 Household/Personal care
0/$80 Gas
15/$50 Eating out/treats
100/$100 general savings

No spend days goal: 0/20
: Budgeted
: Non-budgeted

 knit.gifmama to my boy autismribbon.gif (9/06) and my girl (3/09) and surprise 1sttri.gif due in May!
 

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#64 of 300 Old 06-03-2009, 10:33 PM
 
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June 1:
June 2:
June 3:

Need to do a pantry inventory/meal plan/grocery shop within the next few days. Groceries have been my financial nemesis for ages now; want to make positive progress in June!

Kim :

JUNE GOALS:
* Schedule workshop series for September - confirm location + begin initial PR...6/1 - tentatively scheduled venue
* Less than $25 in frivolous spending: month to date $0
* At least 24 days (no spend or spending w/in budget): 3/24
* NO library fines: month to date $0 / NO parking tickets: $0
* Stay within grocery/eating out budget: $0/$500
* ORGANIZE/declutter (lack of organization = spending): 3/24
* Exercise (feeling good = decreased emotional spending): 3/30
* Meal plan created: 0/4 weeks
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#65 of 300 Old 06-03-2009, 11:32 PM
 
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June 1st: :
June 2nd
June 3rd :
My Key:
= no spend day- does not count budgeted items like bills for rent, water, etc.
: = exercised for at least a half an hour

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
   
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#66 of 300 Old 06-04-2009, 01:56 AM
 
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Overdrawn on our checking account... $35.00 fee....argh!

June 2009
01: : (Budgeted spending) pd mortgage, cell, 2 CC payments :
02: : groceries, :
03: $31.55 (mad money), : $16.00, :

Goals:
$0.00/$125.00 gas
$96.81/$325.00 groceries
$16.00/$100.00 restaurants
$31.55/$50.00 mad money
$613.29 credit card payments
:= exercise

Summer: crafty mama to 2 little girls and wife to Bob
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#67 of 300 Old 06-04-2009, 01:57 AM
 
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I will record spending here. Regular Bills will not be recorded:

June 1 - $80 Dinner for church crew that moved us, well worth it!
June 2 - $5.50 Annual Dues for Mom's Group
June 3 - made money by doing a 1 hour survey group - $75 CASH

Rachael ~ Wife to : DH ~ Son 4-24-07 ~ 6-24-08 ~ Daughter 7-22-09
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#68 of 300 Old 06-04-2009, 06:14 PM
 
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I think I need try tracking everything again.

I want to save more than I spend.

1 Rent $675 Gas $26.63 RoadRunner $49.99 Student Loan $50.00 Entertainment $34.25
2 Eating Out $4.50
3 Eating Out $6
4 Eating Out $17 Copies $.75 Food $8

TOTAL IN/TOTAL OUT
$872.12/$939
Savings $0/$500

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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#69 of 300 Old 06-04-2009, 06:19 PM
 
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Planned spending:

groceries: 36.28/$550 is my goal this month

farmer's market: $20 a week. Its in my neighborhood, I want to keep our businesses nearby, so I am doing this each and every week.

fun money: $25 a week. This is for lunches again in my neighborhood, ice cream store etc. When I buy from the local people, 70% of my money goes back into my town, when I buy from the big box maybe 10% does.

Key
: no spending
planned spending or fun/farmers market money
: ate what we had on hand or from grocery run
: no car day only walked or biked or public transit


1 ::
2 : : $18/100 for farmers' market
3 : produce/dairy delivery 36.28/550 $18.34/100 fun money
4 ::
5 get paid, mortgage and mc due
6

"The true joy of life is the trip. The station is only a dream. It constantly out distances us."
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#70 of 300 Old 06-04-2009, 06:31 PM
 
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Ack! June is getting away from me and I have no plan for it as yet!

<deep breath>

Hi! I'm Smithie, SAHM to three kids and very part-time HR/tax/legal Girl Friday for my husband's business. I had a baby, the acoompanying baby naming party, the other two kid's birthdays, Mother's Day, etc. etc. in May. Financially, May sucked. We spent a hair more than we made. That sucks. We did not save towards the mortgage-interest and property tax payments that both come due in December. That doubly sucks.

This month, I am going to take the money towards our December payments out of checking and put it into savings NOW. I am going to follow the example of other ladies here and keep an ongoing running total of my progress towards the goal amount. I think that will help keep it at the top of my consciousness. We are blessed with an EF that I do NOT want to have to tap in December to pay these big scary bills!

I'm still not exactly sure how much $$ is coming in the door in June - the tweaking of FSA, retirement and tax witholding continues (we own our own business). I AM expecting some kind of income tax bill, as dh filed for an extension and has been procrastinating on getting our taxes done and will hopefully do it this month. He thinks federal bill and state refund will cancel each other out, and I surely do hope he is correct!

I track all spending here. Otherwise, chaos reigns I have decided to let go of tracking categories a bit and focus on the bottom line. Also, I'll be running a couple of days behind as I'm going to wait for transactions to show up in Quicken before I post the gory details here. Tracking cash spending is such a nightmare for me, I'm just going to keep it to an absolute minimum. and try not to care when some money disappears down the cash rabbit hole.
---------------------------------------------------------------------------
Goals:

Balanced budget each month
122/12,500 set aside for December taxes and mortgage interest

Total June Income: $5155

Total June Spending: 1359.16/5155

----------------------------------------------------------------------------
June 1: $103.30 insurance autodraft, $13.32 groceries, $100 cash, $952.15 mortgage, $24.94 gas
June 2: $75.26 nursing clothes, $42.36 at BRU, $31.33 groceries
June 3: $16.50 insurance autodraft
June 4:
June 5:
June 6:
June 7:
June 8:
June 9:
June 10:
June 11:
June 12:
June 13:
June 14:
June 15:
June 16:
June 17:
June 18:
June 19:
June 20:
June 21:
June 22:
June 23:
June 24:
June 26:
June 27:
June 28:
June 29:
June 30:
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#71 of 300 Old 06-04-2009, 06:40 PM
 
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My Key-
No Spend
Necessary/Planned Spending
Unnecessary Spending
Weekly Money

I'm having a really hard time not spending. I know I need to save money and I'm trying, but then I think of all the other ways I can be saving but need to spend a little to do that. Confused yet?
Here's my wishlist-
*Pizza Peel-Ok, I started making our daily bread and am happy with the results, but I'd like to start making the recipes from Artisan Bread in 5 Minutes a Day. I have a stone, container to store dough, but I would like a pizza peel. I'm impatient and I know I'll f@#* up the dough by moving it. OOH...**BRAINSTORM** could I just set up the dough and stuff on foil and bake the bread on the foil lined stone? Any of you bread baking mamas know if that will that work?
*New cookbooks and just got 2 coupons for Borders, but I don't know if I can justify the expense. They're not books I can get from the library and they're ones I'd really like to keep in my collection
*Donut Pan-In an effort to eat healthier (and sneakier), I wanted one of these so I can sneak more veggies into ds without his knowledge he is a terrible eater!!

I'm thinking of using $$ from my food/household budget for the books and pan, rather than digging into what would be saved, since these items would be used for that anyway, and therefore cut our grocery bill. Please feel free to weigh-in.


6/1- $100 groceries, $30 gas
6/2-
6/3-
6/4- $35 Household

Goal
No spend 2/14/30 days
Groceries/Household $135/$400

Danielle, bf'ing, cd'ing, bw'ing, ap'ing, SAHM to DD Avery (12-1-04) blahblah.gif DS Linus (10-31-07)bouncy.gif and DD Nilah (9-17-11) babygirl.gif

always and forever remembering angel1.gif (6-9-10)

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#72 of 300 Old 06-04-2009, 08:22 PM
 
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I need to update tonight. I know that *I* haven't spent any money this week, but I'm not so sure about DH. I'll have to reconcile our bank account online.

Jenn: WOHM to a big girl (7/03), a medium girl (8/07), and a little girl (12/10)
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#73 of 300 Old 06-04-2009, 08:30 PM
 
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1:
2:
3:
4: $33 groceries

33/400 groceries

coolshine.gifSHINE!  Yogini.  My tuna girlgoldfish.gif  Partner to Dteapot2.GIF  Our little flower is herelove.gif/surpriseuc.jpg
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#74 of 300 Old 06-04-2009, 09:03 PM
 
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:

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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#75 of 300 Old 06-04-2009, 09:07 PM
 
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Quote:
Originally Posted by mrsbernstein View Post
I am going to be honest...I am a horrible 'no spender'.

HOWEVER, my goal for June is to TRACK the spending. That's it.

Mrs B
That will be my goal as well.

I have a business (family comes) trip in June every year, so this is a rough month for me. Also, we are investing in some things for school.

So far:
June 1 (Mon)
June 2 (Tues)
June 3 (Wed)
June 4 (Thurs)
June 5 (Fri)
June 6 (Sat)
June 7 (Sun)

I don't even remember what I did so far this month! : Kids have been sick

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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#76 of 300 Old 06-04-2009, 09:08 PM
 
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Tricia's Totals:

Goals:

Have a $1000 EF - DONE :
Pay off consolidation loan by Jan 2010
Keep Unnecessary Spending below $50
Eat Out Less/Pack Lunches More

Types of Spending:

: Unbudgeted/Unnecessary Spending
Budgeted Spending (groceries, gas, rent, hydro, babysitting etc)
No Spending

Totals:

Groceries: /120
Gas: /120
Unecessary Spending: /50
Unbudgeted Expenses:


June 1 - 10.03 (cheesecloth and two cans of soup)
June 2 - 5.22 (I need easy to fix meals b4 a night shift.. this is ridiculous)
June 3 - Designated No Spend day
June 4 - No Spend

Seperated, Cape Dress Wearing, Covered, Conservative Mennonite Mama to big girl K.
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#77 of 300 Old 06-04-2009, 09:17 PM
 
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June 1st: :
June 2nd
June 3rd :
June 4th
My Key:
= no spend day- does not count budgeted items like bills for rent, water, etc.
: = exercised for at least a half an hour

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
   
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#78 of 300 Old 06-04-2009, 09:38 PM
 
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06/01:
06/02:
06/03:
06/04:

Goals:
4/20 No spend days.
0/$100 Frivolous spending.
3/6 Diapers sewn from stash fabric & supplies.

Jenny, proud maker of red things
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#79 of 300 Old 06-04-2009, 09:45 PM
 
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Quote:
Originally Posted by dfunk98 View Post
*Pizza Peel-Ok, I started making our daily bread and am happy with the results, but I'd like to start making the recipes from Artisan Bread in 5 Minutes a Day. I have a stone, container to store dough, but I would like a pizza peel. I'm impatient and I know I'll f@#* up the dough by moving it. OOH...**BRAINSTORM** could I just set up the dough and stuff on foil and bake the bread on the foil lined stone? Any of you bread baking mamas know if that will that work?
I got the pizza peel for this purpose - honestly, I eff things up just as often with the peel.

I'd take the $ for those things (pan, cookbooks) out of grocery if you can swing that so you don't mess on savings - that way you are really focusing rather than giving in to wants.

Your User Agreement here at MDC, read it and make it your friend and read the FAQ to answer all the questions of the (MDC) world.
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#80 of 300 Old 06-05-2009, 12:54 AM
 
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Oh wow, I just saw my paycheck and I officially know what my temporary raise is! (My boss is out of town for an extended stay so I get her salary until she is back in August). It will be an extra $200 a month for us! Yay! I will hoard that away for the upcoming surgery and move we are having.

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
   
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#81 of 300 Old 06-05-2009, 03:38 AM
 
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i got a part time job today!! so of course i celebrated by getting two things from a co-op but it'll be nice to have a good water bottle at my new job


86.50/600 groceries
50.00/100 pantry stocking
8.82/60 spending money
/80 sundry

2/20 no spend days
2/10 budgeted spend
0/0 non-budgeted spend!!!!

1- 8.82 shipping kk
2- 30.00 lunch, groceries
3-
4- 106.50 maple syrup 50 pantry 56.50 groceries
5-
6-
7-
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9-
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25-
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27-
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29-
30-

may 181.46 18
april 358.07 19
march 517.18 17

eh. who needs a signature?
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#82 of 300 Old 06-05-2009, 08:01 AM
 
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June 1:
June 2:
June 3:
June 4:

For the first time ever I used Evite's option for people to choose a food item to bring to a gathering (Father's Day BBQ). In the past always had the mindset, "If we are hosting we should provide everything", and when people offered I declined. Much less stressful this time around time-wise w/ fewer dishes to prepare, and financially w/ less cash outlay. Yay!

Kim :

JUNE GOALS:
* Schedule workshop series for September - confirm location + begin initial PR...6/1 - tentatively scheduled venue
* Less than $25 in frivolous spending: month to date $0
* At least 24 days (no spend or spending w/in budget): 4/24
* NO library fines: month to date $0 / NO parking tickets: $0
* Stay within grocery/eating out budget: $43.97/$500
* ORGANIZE/declutter (lack of organization = spending): 4/24
* Exercise (feeling good = decreased emotional spending): 4/30
* Meal plan created: 0/4 weeks
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#83 of 300 Old 06-05-2009, 11:49 AM
 
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Goals:

Balanced budget each month
122/12,500 set aside for December taxes and mortgage interest

Total June Income: $5155

Total June Spending: 1684.57/5155

----------------------------------------------------------------------------
June 1: $103.30 insurance autodraft, $13.32 groceries, $100 cash, $952.15 mortgage, $24.94 gas
June 2: $75.26 nursing clothes, $42.36 at BRU, $31.33 groceries
June 3: $16.50 insurance autodraft, $113.11 at Costco (groceries, books, father's day gift for dh)
June 4: $200 taken out to pay cleaner, $12.30 Mickey-Ds
June 5:
June 6:
June 7:
June 8:
June 9:
June 10:
June 11:
June 12:
June 13:
June 14:
June 15:
June 16:
June 17:
June 18:
June 19:
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June 21:
June 22:
June 23:
June 24:
June 26:
June 27:
June 28:
June 29:
June 30:
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#84 of 300 Old 06-05-2009, 01:07 PM
 
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1-$0
2-$8.68 dinner out
3-$54.70 groceries
4-$67.55 food for dh's weekend trip, $47.49 groceries, $10.26 dinner out
5-
6-
7-
8-
9-
10-payday
11-
12-payday
13-
14-
15-
16-
17-
18-
19-
20-
21-
22-
23-
24-payday
25-
26-payday
27-
28-
29-
30-

Groceries - $102.19/$300
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#85 of 300 Old 06-05-2009, 02:50 PM
 
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So I've decided I'm going to go ahead and allow myself to buy a new mattress at the end of the month, so long as I can save an extra $100 or more this month. That's going to be hard- as you can see I cut my budget for spending and home/garden in half. I also cut out my portion of the budget for alcohol. If I stick to this I should be able to save an extra $200, which will take a big chunk out of the $600 price. I do already have all the $ saved but I'd just feel better about it if I could save lots of money to put towards it before spending the cash, less to pay myself back in the long run. A month of famine will be worth it! So I need some support because usually when I deprive myself I break down and go over my budget. Maybe it will be easier because I know there's a big prize at the end, though.

This morning I went to the mall to look at the mattress I'll be getting... I know the mall is a weakness of mine and although I'm good at sticking within my regular budget, I usually do end up buying something there. It's just too tempting with everything laid out in front of you! So I actually put $5 in my wallet in case of emergency and left my debit card at home. It actually worked like a charm!! A couple of time I spotted sales on things (mostly flowers at the side of the road), and thought I should buy it- but too bad I don't have the $ lol! I'm thinking I'll always leave it at home for the rest of the month unless I have a planned purchase like groceries.

My biggest temptation is going to be not buying things for our garden. Maybe I can just try to avoid going back there for the rest of the month... our garden beds are really empty and sad looking and I'm really aching for some more plants.

May 1-
May 2-
May 3-
May 4-
May 5-

$24/$50 SPENDING
$11.27/$50 HOME/GARDEN
$215/$600 GROCERIES
$0/25 ALCOHOL
$28/$75 GAS
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#86 of 300 Old 06-05-2009, 04:51 PM
 
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I will record spending here. Regular Bills will not be recorded:

June 1 - $80 Dinner for church crew that moved us, well worth it!
June 2 - $5.50 Annual Dues for Mom's Group
June 3 - made money by doing a 1 hour survey group - $75 CASH
June 4 - $75 Target - We just moved this week so I should have budgeted in some things we needed
June 5 - $10 Breakfast, Snacks

I am not doing so hot over here. This whole moving thing and DH being out of town combo and me being 33 wks pg is overwhelming. Help!

Rachael ~ Wife to : DH ~ Son 4-24-07 ~ 6-24-08 ~ Daughter 7-22-09
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#87 of 300 Old 06-05-2009, 07:50 PM
 
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06/01:
06/02:
06/03:
06/04:
06/05:

Goals:
5/20 No spend days.
0/$100 Frivolous spending.
4/6 Diapers sewn from stash fabric & supplies.

Jenny, proud maker of red things
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#88 of 300 Old 06-05-2009, 08:50 PM
 
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Location: Oregon Coast
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My goal is to end the month with a balance in my checking account. I've taken out cash for all my budgeted expenses and will just be using the checking account to pay bills. That *hopefully* will leave us with some $ left in there by the end of the month.

June
06/01: 47.55 bulk laundry soap and litter (household), 100.19 groceries, 15.00 takeout tacos (dining out)
06/02: 48.35 groceries, 29.81 vitamins (household)
06/03: 3.50 knitting pattern
06/04: 4.00 treats (budgeted)
06/05:

Budget for June:
148.54/$400 Groceries
77.36/$120 Household/Personal care
0/$80 Gas
19/$50 Eating out/treats
100/$100 general savings

No spend days goal: 0/20
: Budgeted
: Non-budgeted

 knit.gifmama to my boy autismribbon.gif (9/06) and my girl (3/09) and surprise 1sttri.gif due in May!
 

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#89 of 300 Old 06-05-2009, 08:51 PM
 
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Tricia's Totals:

Goals:

Have a $1000 EF - DONE :
Pay off consolidation loan by Jan 2010
Keep Unnecessary Spending below $50
Eat Out Less/Pack Lunches More

Types of Spending:

: Unbudgeted/Unnecessary Spending
Budgeted Spending (groceries, gas, rent, hydro, babysitting etc)
No Spending

Totals:

Groceries: /120
Gas: /120
Unecessary Spending: 10.74/50
Unbudgeted Expenses:


June 1 - 10.03 (cheesecloth and two cans of soup)
June 2 - 5.22 (I need easy to fix meals b4 a night shift.. this is ridiculous)
June 3 - Designated No Spend day
June 4 - No Spend
June 5 - 57.20 (groceries), $5.52 (breakfast) :

Seperated, Cape Dress Wearing, Covered, Conservative Mennonite Mama to big girl K.
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#90 of 300 Old 06-05-2009, 09:29 PM
 
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I am hoping to keep my TOTAL spending to under $1500 for June, I love these threads!

June 1st-3rd: Food Groceries: $28
Preschool Swap activity: $25
Piano Lessons: $25
Fast Food: $13
4th: no spend
5th: $120 food groceries, $5 fast food



Totals:
Food Groceries: $148
Homeschool/kids: $50
Fast Food: $18
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