~July No-Spend Challenge~ We are tracking our spending and trying to save money! Come join us -- newcomers welcome - Page 8 - Mothering Forums

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#211 of 232 Old 07-28-2009, 11:26 PM
 
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7/10
7/11
7/12
7/13
7/14
7/15
7/16
7/17 $3.30 Library fines (I actually thought it would be more)
7/18 $15 for food at a "Taste of the Summer" festival...SO worth it!
7/19 $6 Chicken for a cookout with neighbors (DP called and asked me to pick some up...even though we already had some in the freezer
7/20
7/21
7/22 $56 groceries
7/23
7/24
7/25 even though I went out shopping. I didn't find the things that I needed and I helf off buying anything else.
7/26 $50 dinner out with the family. not necessary, but SO FUN (Japanese Steakhouse)
7/27 $6 lunch at work
7/28 $93 - $43 on emibeans clearance, $50 on household stuff at Walmart (TP, drying rack, dipes & wipes for DP's trip with the kids)

---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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#212 of 232 Old 07-29-2009, 12:04 AM
 
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spending goals:
Eliminate non-essential purchases.
Uder limit on all reimbursed purchases (for work).
Neccessary spending = $50 a week.
Gas = $30 a week

earning goals:
$100 a day

Driving goal:
less than 100 miles per week.

7/25:: .68 over reimbursment amount, : 6.18 on Starbucks,
Weekends don't count for earnings, but $10
7/26: 5.76 groceries, : 52.72 clothes for me.
7/27: 2.40 Christmas gifts. Made $105
7/28: 10.36 at postoffice, under limit for reimbursed. Made $86

Andrea, daughter of the King, wife of Neil, Mama to Jackson 7/4/05 Nicholas 12/21/06 Ezekiel 5/9/08 and due June 14!
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#213 of 232 Old 07-29-2009, 12:55 AM
 
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prudence- that's such a bummer about the overdraft, i HATE it when i do that!!

493.33/600 food
100/100 pantry stocking
40.96/80 sundry
57.30/60 spending money

18/25 no spend
9/6 budgeted spend
0/0 non-budgeted spend

1- 11.19 shipping co-op, 32.80 mama pads co-op, 10.45 shipping co-op
2-
3-
4-
5-
6-
7- 23.06 mount hope smoked sea salt
8-
9- 4.27 ice cream
10-
11-
12-
13-
14- 150.99 tierra farm
15- 146.87 costco 75.60 farmer's market 30.51 trader joe's
16- 57.63 tierra farm
17-
18-
19- 4.95 ice cream
20- 3.48 shipping mama pads (sm), 50.77 mrh shipping,
21- 40.96 burt's bees
22-
23-
24-
25-
26-
27- 48.68 shipping tierra farm
28-
29-
30-
31-


july
june 76.70 17
may 181.46 18
april 358.07 19
march 517.18 17

eh. who needs a signature?
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#214 of 232 Old 07-29-2009, 01:37 PM
 
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1-$0
2-$69.36 groceries
3-$14.82 fabric, $11.09 lunch dinner
4-$0
5-$0
6-$0
7-$44.41 groceries/household misc
8-payday $0
9-$0
10-payday $0
11-$0
12-$14.55 dinner out
13-$0
14-$0
15-$0
16-$100 taxi, dinner
17-$10 misc
18-$0
19-$0
20-$0
21-$0
22-payday $51.97 groceries, $27.88 prescription
23-$0
24-payday $32.75 dinner out
25-$0
26-$0
27-$0
28-$32.79 dinner out
29-$108.84 groceries
30-
31-

Groceries - $274.58/$300
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#215 of 232 Old 07-29-2009, 02:39 PM
 
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1 -
2 - Me-No Spend, DH - grocery shopping for the trip
3 - Gas
4 - Fish food at the state park
5 - $21 Gas, cokes for our trip back. Pantry Challenge Dinner
6 - $110 for vet. Blood test for my sick cat.
7 - $12 Rx for antibiotics.
8 - $6 lunch with friend $12.50 necessary groceries, plus a $3 local, organic watermelon
9 - $1 for candy bar $12 on gas
10 - $2 fast food $12 groceries
11 - Rx for cat $18, Farmer's Market $20, stop-gap plumbing repair $50
12 - $2 for carousel ride at Zoo. Pantry Challenge Dinner
13 - Preschool $375
14 - : NO SPEND AT ALL
15 - : NO SPEND AT ALL
16 - $22 postage, $20 cash, $83 Costco, $1 vending machine
17 - $11 grocery stores (but I skipped the stock-up sales; I can probably hold off)
18 - $31 for dinner out with DH before the Sonic Youth show, $8 for beer and soda at show.
19 - : NO SPEND AT ALL
20 -
21 - $12 Thrift store. I held out for a long time though.
22 - : and got free lunch at work. :
23 -
24 - $47 - dinner with friends on vacation
25 - $30 groceries - food while at my mom's, my contribution to potluck
26 - $45 lunch with friends, pizza with family
27 - $80 (guessing) lunch on the road, gas, boarding for cat
28 - :
29 - $.54 at thrift store, $7.50 at farmer's market, $50 Costco, $7 postage

The trip to St. Louis really busted the budget, but we won't be traveling for a while.

I once again held off on going to the grocery store for a week and stocking up. We still have so much food in the deep freeze. I'm picking out the sales for this week, but we'll see if I actually go and spend money, or hang on a little tighter.

Bridget. Momma to DD (4), expecting DS - 9/09, wife to SAHD. Gardener, coffee addict, urban dweller.
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#216 of 232 Old 07-29-2009, 02:44 PM - Thread Starter
 
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Whew! The money made it in...I think. You know how it is with overdrafts...that is tricky and sometimes they show up later than you expected.

I haven't spent anything yet, but I suspect I'm going to spend a big whopping pile of money on fair tickets this afternoon. I'll come back and edit if I do.

We live next door to the fairgrounds and my children LOVE the fair (the animals, not the rides), so that expense is a given.

01.. $13 Chlorine for pool and test strips
02..
03..
04..
05.. $60 birthday party supplies
06..
07.. $5 for a clean bedspread
08..
09..
10.. $17 Lowe's for building supplies
11.. $102 Eating out
12..
13..
14.. $100 birthday party supplies
15.. $67 Pool chemicals
16.. $3.17 postage
17..
18..
19..
20..
21..
22..
23.. $40 haircut
24..
25.. $60 loveseat for the playroom
26..
27..
28..

My Goals:

17/20 No Spend Days
0/5 Let the car rest days :

 

 

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#217 of 232 Old 07-29-2009, 09:41 PM
 
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mamas, i think i'm gonna do it!!! i think i'm going to come in under budget for the first time i can EVER remember!!! :::: that means NO unbudgeted spends!!! i just need to remember how good this feels versus how good buying something feels.

493.33/600 food
100/100 pantry stocking
40.96/80 sundry
57.30/60 spending money

19/25 no spend
10/6 budgeted spend
0/0 non-budgeted spend

1- 11.19 shipping co-op, 32.80 mama pads co-op, 10.45 shipping co-op
2-
3-
4-
5-
6-
7- 23.06 mount hope smoked sea salt
8-
9- 4.27 ice cream
10-
11-
12-
13-
14- 150.99 tierra farm
15- 146.87 costco 75.60 farmer's market 30.51 trader joe's
16- 57.63 tierra farm
17-
18-
19- 4.95 ice cream
20- 3.48 shipping mama pads (sm), 50.77 mrh shipping,
21- 40.96 burt's bees
22-
23-
24-
25-
26-
27- 48.68 shipping tierra farm
28-
29-
30-
31-


july 148.41
june 76.70 17
may 181.46 18
april 358.07 19
march 517.18 17

eh. who needs a signature?
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#218 of 232 Old 07-29-2009, 10:49 PM
 
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spending goals:
Eliminate non-essential purchases.
Uder limit on all reimbursed purchases (for work).
Neccessary spending = $50 a week.
Gas = $30 a week

earning goals:
$100 a day

Driving goal:
less than 100 miles per week.

7/25:: .68 over reimbursment amount, 6.18 on Starbucks,
Weekends don't count for earnings, but $10
7/26: 5.76 groceries, 52.72 clothes for me.
7/27: 2.40 Christmas gifts. Made $105
7/28: 10.36 at postoffice, under limit for reimbursed. Made $86
7/29: NO SPEND! under limit, Made $136

Andrea, daughter of the King, wife of Neil, Mama to Jackson 7/4/05 Nicholas 12/21/06 Ezekiel 5/9/08 and due June 14!
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#219 of 232 Old 07-30-2009, 09:25 AM
 
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07/01-07/05 Vacation (didn't track spending, probably should have.)
07/06:
07/07:
07/08:
07/09:
07/10:
07/11:
07/12:
07/13:
07/14:
07/15:
07/16:
07/17:
07/18:
07/19: $15 mini golf, $21 Chinese food, $10 fabric, $5 outfit for DS.
07/20:
07/21:
07/22:
07/23:
07/24: $21 Chinese food.
07/25:
07/26:
07/27:
07/28:
07/29:

22/15 No spend days.
$72/$100 Frivolous Spending.

Jenny, proud maker of red things
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#220 of 232 Old 07-30-2009, 08:24 PM
 
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darn corcodile creek payment was due today. well, at least ds has a cute backpack to start pre-school with

493.33/600 food
100/100 pantry stocking
80/80 sundry
61.02/60 spending money

19/25 no spend
10/6 budgeted spend
1/0 non-budgeted spend

1- 11.19 shipping co-op, 32.80 mama pads co-op, 10.45 shipping co-op
2-
3-
4-
5-
6-
7- 23.06 mount hope smoked sea salt
8-
9- 4.27 ice cream
10-
11-
12-
13-
14- 150.99 tierra farm
15- 146.87 costco 75.60 farmer's market 30.51 trader joe's
16- 57.63 tierra farm
17-
18-
19- 4.95 ice cream
20- 3.48 shipping mama pads (sm), 50.77 mrh shipping,
21- 40.96 burt's bees
22-
23-
24-
25-
26-
27- 48.68 shipping tierra farm
28-
29-
30- 42.76 crocodile creek for the 1.02 over spending budget
31-


july 105.65
june 76.70 17
may 181.46 18
april 358.07 19
march 517.18 17

eh. who needs a signature?
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#221 of 232 Old 07-30-2009, 11:53 PM
 
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spending goals:
Eliminate non-essential purchases.
Uder limit on all reimbursed purchases (for work).
Neccessary spending = $50 a week.
Gas = $30 a week

earning goals:
$100 a day

Driving goal:
less than 100 miles per week.

7/25:: .68 over reimbursment amount, 6.18 on Starbucks,
Weekends don't count for earnings, but $10
7/26: 5.76 groceries, 52.72 clothes for me.
7/27: 2.40 Christmas gifts. Made $105
7/28: 10.36 at postoffice, under limit for reimbursed. Made $86
7/29: NO SPEND! under limit, Made $136
7/30: : 1.65 on soda at work, $5 Christmas gifts. Made $122

Andrea, daughter of the King, wife of Neil, Mama to Jackson 7/4/05 Nicholas 12/21/06 Ezekiel 5/9/08 and due June 14!
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#222 of 232 Old 07-31-2009, 07:38 AM
 
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07/01-07/05 Vacation (didn't track spending, probably should have.)
07/06:
07/07:
07/08:
07/09:
07/10:
07/11:
07/12:
07/13:
07/14:
07/15:
07/16:
07/17:
07/18:
07/19: $15 mini golf, $21 Chinese food, $10 fabric, $5 outfit for DS.
07/20:
07/21:
07/22:
07/23:
07/24: $21 Chinese food.
07/25:
07/26:
07/27:
07/28:
07/29:
07/30:

23/15 No spend days.
$72/$100 Frivolous Spending.

Jenny, proud maker of red things
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#223 of 232 Old 07-31-2009, 08:12 AM - Thread Starter
 
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Spent money on beach admission today, but it was worth every penny.

At least I didn't buy any ice cream or hot dogs while we were there. We ate food from home.


01.. $13 Chlorine for pool and test strips
02..
03..
04..
05.. $60 birthday party supplies
06..
07.. $5 for a clean bedspread
08..
09..
10.. $17 Lowe's for building supplies
11.. $102 Eating out
12..
13..
14.. $100 birthday party supplies
15.. $67 Pool chemicals
16.. $3.17 postage
17..
18..
19..
20..
21..
22..
23.. $40 haircut
24..
25.. $60 loveseat for the playroom
26..
27..
28..
29.. $52 Fair Tickets
30.. $8 Beach admission
31.. ???

My Goals:

17/20 No Spend Days
0/5 Let the car rest days :

 

 

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#224 of 232 Old 07-31-2009, 10:17 AM
 
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Ok! Well, I haven't done very well with putting up all my dates and whatnot this month...but I will do better next month! At least this still helps me stay on budget, even if I'm not doing it right

7/29 (no spend)
7/30 (budgetted spend--spent $18 on veggies from a farm--will be used to make sauerkraut for the fall{we eat a lot of that in the fall} and other stuff)
7/31 (I am going ahead an putting this up for today! Today am going to a yard sale with tons of baby stuff. Planning on spending some money on boy clothes for the new baby. Only have $30 to spend, have it in cash, so that is my budget, and I can't go over)

me, dd1, dd2, ds, and #4 due March 1. dbf has 2 of his own, so it will be an adventure!

i like making things. 

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#225 of 232 Old 07-31-2009, 11:40 AM
 
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1-$0
2-$69.36 groceries
3-$14.82 fabric, $11.09 lunch dinner
4-$0
5-$0
6-$0
7-$44.41 groceries/household misc
8-payday $0
9-$0
10-payday $0
11-$0
12-$14.55 dinner out
13-$0
14-$0
15-$0
16-$100 taxi, dinner
17-$10 misc
18-$0
19-$0
20-$0
21-$0
22-payday $51.97 groceries, $27.88 prescription
23-$0
24-payday $32.75 dinner out
25-$0
26-$0
27-$0
28-$32.79 dinner out
29-$108.84 groceries
30-$10.43 groceries, $72.42 dinner out
31-$0

Groceries - $285.01/$300
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#226 of 232 Old 07-31-2009, 09:22 PM
 
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07/01-07/05 Vacation (didn't track spending, probably should have.)
07/06:
07/07:
07/08:
07/09:
07/10:
07/11:
07/12:
07/13:
07/14:
07/15:
07/16:
07/17:
07/18:
07/19: $15 mini golf, $21 Chinese food, $10 fabric, $5 outfit for DS.
07/20:
07/21:
07/22:
07/23:
07/24: $21 Chinese food.
07/25:
07/26:
07/27:
07/28:
07/29:
07/30:
07/31: $19 Wendy's

23/15 No spend days.
$91/$100 Frivolous Spending.

Jenny, proud maker of red things
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#227 of 232 Old 08-01-2009, 12:48 AM
 
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spending goals:
Eliminate non-essential purchases.
Uder limit on all reimbursed purchases (for work).
Neccessary spending = $50 a week.
Gas = $30 a week

earning goals:
$100 a day

Driving goal:
less than 100 miles per week.

7/25:: .68 over reimbursment amount, 6.18 on Starbucks,
Weekends don't count for earnings, but $10
7/26: 5.76 groceries, 52.72 clothes for me.
7/27: 2.40 Christmas gifts. Made $105
7/28: 10.36 at postoffice, under limit for reimbursed. Made $86
7/29: NO SPEND! under limit, Made $136
7/30: : 1.65 on soda at work, $5 Christmas gifts. Made $122
7/31: 3.00 for lunch for 5, $54 on shoes for DH, DS2 (desperate) and a future size, Made $10 (there's that end of the month hitting us hard...)

Wednesday I drew up a budget draft and went over it with DH. Today I realized that I spend the entire clothing budget EVERY TIME I go shopping. I've spent $50 on clothes at least 4 times this month. I will excuse myself bc about 1/5 of those purchases were for being behind on clothing purchases and we really needed the stuff (pjs, shoes), but a lot of the rest was "too good of a deal." sigh.

Andrea, daughter of the King, wife of Neil, Mama to Jackson 7/4/05 Nicholas 12/21/06 Ezekiel 5/9/08 and due June 14!
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#228 of 232 Old 08-01-2009, 02:19 AM
 
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Quote:
Originally Posted by anstar View Post
but a lot of the rest was "too good of a deal." sigh.
i have a hard time with this too. i just read that it's one of the signs of a shopping addiction, in case you didn't know

as for me, i'm counting this month as good!!! each month i keep getting better and this is the first time i have not overspent every aspect of my budget. in fact, i only overspend spending money by 1.02. it's seriously amazing.

:::::::::

thank you prudence so SO much for starting this. it has made a huge difference in my life.

493.33/600 food
100/100 pantry stocking
80/80 sundry
61.02/60 spending money

20/25 no spend
10/6 budgeted spend
1/0 non-budgeted spend

1- 11.19 shipping co-op, 32.80 mama pads co-op, 10.45 shipping co-op
2-
3-
4-
5-
6-
7- 23.06 mount hope smoked sea salt
8-
9- 4.27 ice cream
10-
11-
12-
13-
14- 150.99 tierra farm
15- 146.87 costco 75.60 farmer's market 30.51 trader joe's
16- 57.63 tierra farm
17-
18-
19- 4.95 ice cream
20- 3.48 shipping mama pads (sm), 50.77 mrh shipping,
21- 40.96 burt's bees
22-
23-
24-
25-
26-
27- 48.68 shipping tierra farm
28-
29-
30- 42.76 crocodile creek for the 1.02 over spending budget
31-


july 105.65 20
june 76.70 17
may 181.46 18
april 358.07 19
march 517.18 17

eh. who needs a signature?
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#229 of 232 Old 08-01-2009, 07:16 AM - Thread Starter
 
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Quote:
in fact, i only overspend spending money by 1.02. it's seriously amazing.
Woohoo Carrie! Way to Go! :

I didn't start these no-spend threads...they were going long before I came along -- but they have made a huge difference in my spending too. Which is why I keep them going. These threads helped me pay off 16K in debt.

They keep you focused on financial goals instead of immediate gratification, for me anyway.

:

 

 

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#230 of 232 Old 08-01-2009, 07:19 AM - Thread Starter
 
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Our backyard pool is costing us a TON of money this year because of all the rain Vermont has been getting. I'm seriously thinking of posting it on craig's list and selling it.

My kids love it and swim all the time, but we have access to a lot of pools -- neighbors have pools on both sides, my gym pool, their dad's pool at work (university), the lake, and our community pool.

Do we really need one in the back yard?? I'm seriously starting to question this.


01.. $13 Chlorine for pool and test strips
02..
03..
04..
05.. $60 birthday party supplies
06..
07.. $5 for a clean bedspread
08..
09..
10.. $17 Lowe's for building supplies
11.. $102 Eating out
12..
13..
14.. $100 birthday party supplies
15.. $67 Pool chemicals
16.. $3.17 postage
17..
18..
19..
20..
21..
22..
23.. $40 haircut
24..
25.. $60 loveseat for the playroom
26..
27..
28..
29.. $52 Fair Tickets
30.. $8 Beach admission
31.. $18 pool chemicals

My Goals:

17/20 No Spend Days
0/5 Let the car rest days :

 

 

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#231 of 232 Old 08-01-2009, 11:44 AM
 
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July 1st:
$18 clothes
$142 food groceries
$14 homeschool
$2 gifts
$33 baby
$23 household
2nd: Baby $15
3rd and 4th: No spend
5th: another big grocery day, lots of coupons and good deals!
fast food $14, household $55.50, clothes $20, food $116
7th: fast food $8, $5 clothes, $11 Christmas, $6 baby, $69 co-op
8th: Hubby stocked up on Annie's mac and cheese $30
9th: $69 diapers, $20 groceries, hubby stocked up on more stuff....
10th: $7 fast food, $46 kids homeschool, back to school sales, $9 household, $2 scrap stuff, $4 cereal
11th: $25 Christmas, $15 baby
12th: $97 food groceries, $17 hair cut, $12.50 fast food
13th-16th: $35 household, $83 food groceries, $19 baby, $15 kids, fast food $7, clothes $7
18th: Eating Out $30, Diapers $70
19th-22nd: $25 piano lessons, kids $21, food groceries $143, personal care groceries $22, fast food $8, household 15, clothes $7
23rd: clothes: $28, fast food, $14, food grocery $6, kids $8, $140 stroller
25th: $10 fast food, $12 kids
28th: food groceries $27, fast food $11, clothes $24
29th-31st: $18 fast food, $75 clothes (4 new pairs of pants, DH, undies DD), $10 household

Goals:
Food Groceries: $668/$631
Household: $169.50/$100
baby/stash of cloth new diapers: $352/$150 new double stroller!
Homeschool/kids: $141/$75
Fast Food/entertainment: $139.50/$100
Gifts/Christmas: $38/$75
Clothes: $184/$50
Tithe: $230/$250
Co-op: $69/$70
$2 scrap stuff
Haircut $17
Amanda Williams is offline  
#232 of 232 Old 08-02-2009, 11:49 PM
 
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OK, I know I'm two days late on this, but I've done this every month since January, so I don't really feel right until I put this up. Here's my final totals on spending for the month. Kinda blew it in several categories. OK, mainly just in spending on myself, which I normally don't do- kinda binged on self spending this month. I think I got it out of my system. Pat on the back for staying way under on grocery spending and also meeting exercise goal! :

6/30- $44 gasoline, $65 groceries, $6 baby wipes $12 gifts :
7/1-
2- $19 Lindsay Brin workout DVD : :
3- : : :
4-
5- $53 groceries, $5 gift

6- $20 dr copay, $5 baby medicine $15 groceries : :
7- :
8- $39 gasoline : :
9- :
10- $23 breast pump $2 ink pen $5 milk :

11
12- : :
13- : $13 Chipotle, $26 Goodwill (: $14 me items, $6 kid shoes, $6 homeschool books) $5 Marshalls kid socks, $33 Target ($4 pacis, $10 pen and papers self, $16 exercise bra self)
14 : :
15- :
16- : : :
17-
18- : : :
19- $105 groceries $5 shirt me
20 : : :
21 : :
22
23 $3 bereavement card $13 groceries $36 gas
24 $9 pickling spices, : $69 sports bra that really works
25 : :
26
27 :
28
29
30 :
31 : $2.50 breakfast at work
-----------------------------------------------------------------------------------
July goals:

Budgeted:
Groceries /household $265 / $360
Gas $119 / $80
Homeschool $6 / $20 (will hit the back-to-school sales this month)
Kid clothing & items $11 / $30
Baby $58 / $20
unbudgeted spending $168 / $20
No spend days 21 / 20 days

Other goals:
: Exercise 13 / 12
: Garden 13 / 10
Declutter/ Deep clean 2 / 7
: Cook from scratch 6 / 7

Total budgeted =$530
Total spent = $627

“War is peace.
Freedom is slavery.
Ignorance is strength.”
― George Orwell, 1984
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