~ October No-Spend Challenge ~ The treat is having money in the bank. The trick is keeping it there. - Page 11 - Mothering Forums
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#301 of 350 Old 10-27-2009, 08:23 PM
 
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So far so good on my end. My goal was 7 days of no unneccessary spending and I've managed all 3 so far

Oct 25-
Oct 26-
Oct 27-
Oct 28-
Oct 29-
Oct 30-
Oct 31-

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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#302 of 350 Old 10-27-2009, 08:36 PM
 
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10/01:
10/02:
10/03: Chinese food $16.26
10/04:
10/05:
10/06:
10/07:
10/08:
10/09: Chinese food $19.05
10/10: Booze $6
10/11:
10/12:
10/13:
10/14:
10/15:
10/16:
10/17:
10/18:
10/19:
10/20:
10/21:
10/22:
10/23: Swap shipping $18
10/24: Fabric $18
10/25: Chinese food $16.80
10/26:
10/27:

21/20 No-spend days
$94.11/$100 Frivolous spending

Jenny, proud maker of red things
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#303 of 350 Old 10-28-2009, 12:21 AM
 
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Spent 0.00 on Halloween costumes! :

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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#304 of 350 Old 10-28-2009, 12:27 AM
 
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Quote:
Originally Posted by amyamanda View Post
I fell off the wagon. I came here to confess.

I guess it happens to the best of us sometimes.

I will be spending the next few months righting the imbalance I caused.

It was totally inadvertent and snuck up on me. A little something here, a little something there, and before I knew it, my backside hit the road.

I am reminded that I have to be very diligent to guard my weak spots at all times.

Here are the lessons I just RE-learned the hard way...
  • I will not go into stores unless I absolutely positively unavoidably have to. I will "shop" as infrequently as possible.
  • I will not go into stores without a plan, a list, and a purposely limited amount of cash or a dedicated line in my account ledger with the amount I have pre-planned to spend.
  • I will stop using credit/debit cards, except for gas (to me, they are like fake money, and no matter how hard I try, I can't seem to get over that.)
  • I will not again succumb to buying things to satisfy seasonal whims. I
  • I will remember to shop at home first!!!
  • I will stop feeling sorry for myself.
  • I will stop comparing myself and my life and my stuff to others.
  • I will strive to cultivate constant gratitude for what I already have.
  • I will not spend a SINGLE CENT unless I have designated cash in hand or an amount previously set aside in my ledger.
  • I will explore ways to redefine the words "deserve" and "indulge."
  • My current lifestyle is a lifetime away from my old lifestyle, and I don't want my old lifestyle back anyway, and I need to remember not to pretend I can still live that way. No more false nostalgia for a consumerist existence.

I have been so good for so long...so now I feel like a big doofus. Thankfully it's not something we can't recover from, but it will take some pretty hard penny-pinching on my part. I feel really stupid.

New plan: Eat almost exclusively out of pantry for a few months, only replenishing as absolutely necessary or if a cannot-miss sale comes up or a few fresh things like eggs and cheap in-season produce. Go through the garage/house and see if there is anything I'm willing to sell (I hate doing this, and I think I'm unlikely to come up with anything much, but I will do it anyway just to be sure). I will set a tiny/minimal budget for minimal Thanksgiving/Christmas/birthday expenses - and I will stick to that budget. I will remember that working more brings in money faster and I will cultivate a more proactive attitude about my job.

And I will forgive myself and move on.
Thank you for sharing that

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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#305 of 350 Old 10-28-2009, 04:31 AM
 
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just got a few things from costco since I remembered we are moving this weekend and I don't want to stock up just to move it later. I was slacking off though and then running late so I ended up buying lunch there for dd2 and I... so, while I spent less money than I intended, it was also more than I planned for.

tomorrow is dd1's school book fair and conferences (very sneaky how they do that!), so I will give her some money for that, I also need to get gas in the car. perhaps thursday and friday will be no spend days??

no spend at all
spend in budget
unplanned spending

26- groceries
27- costco, unplanned lunch out
28-
29-
30-
31-
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#306 of 350 Old 10-28-2009, 09:29 AM
 
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Quote:
Originally Posted by mommyto4grits View Post
Amanda,
Thank you so much for posting this!! I am right there with you
Thanks to all for the kind and supportive responses. It helps me feel less terrible about it.

This time of year is really hard for me. It gets dark quickly, I seek comfort in old ways, the holidays approach, consumerism is so tied up in mainstream celebrations and in the traditions I remember from childhood. Also there is that sense in the fall of needing to provision for the winter and make sure we have everything we might need. And our income is about to drop again, which will be challenging but manageable, and I think I panicked and thought "one last spree or I will miss my chance!" Gah.

Here is what I bought: We took advantage of a super sale on woolens for the kids to grow into - I don't expect those prices to come around again and we literally live in our woolens all winter. Ditto for a super unbelievable sale (with free shipping) on shoes for the kids. I bought a pile of discounted autumn-colored cloth napkins for our Halloween and Thanksgiving parties, something I've been wanting to do for years and have been putting off for what feels like forever (our regular cloth napkins are not fun or pretty). I ordered some Christmas presents (story CDs) used through amazon and half.com. I picked up some other small and "innocent" things for Christmas - otherwise frugal items. I bought an emergency water filter system than I have been feeling we need for over a year and got sick of waiting for, and threw in a couple other items to "take advantage" of free shipping. We visited people out of state and I splurged on food we don't usually buy. It just snowballed. I found "the perfect bag" and "indulged" (yes, I had plenty of bags, and no, I didn't NEED another one...but it was perfect and it makes my heart sing every time I use it...) I found myself at the thrift shop trying on a small pile of practical and wardrobe-saving clothing. My camera broke just in time for holiday season, and it was unfixable, so I replaced it as cheaply as possible...how can I give Christmas photos as gifts if we have no camera? (I know, I know.) I desperately needed new glasses, having not replaced my lenses in eight years. And so it went.

I could have justified just about all of those purchases IF I had had the cash to spend on them at the time but I didn't, though I kept telling myself my next paycheck would pay it all off (I told myself that too many times and the sum quickly surpassed my small paycheck). I used the CC, stopped balancing my checkbook diligently, got worried that I might bounce something, used the CC again to prevent that from happening, and...well, I just have less self-control with plastic than with cash or checks.

I think the main thing is, I didn't discipline myself to wait until we really had the money. It is so hard to wait, with cold winter coming and the holidays approaching and "great deals" that have to be taken advantage of now or be lost.

Anyway, I bet I'm not alone in having this experience. I think 99% of the time I do really, really well - meeting our needs and then some without spending much at all. But unfortunately, old habits die hard.

Thanks for the support. It helps to be able to come here and know others will understand.

Amanda, mom to Everest (12), Alden (10-1/2), Ellery (7-1/2), & Avery (6)
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#307 of 350 Old 10-28-2009, 09:57 AM
 
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October 1 - ($10 Breakfast & Lunch)
October 2 - ($12 lunch)
October 3 - ($226 Groceries)
October 4 - ($40 Groceries)
October 5 -
October 6 - ($2 breakfast)
October 7 -
October 8 -
October 9 - ($17 breakfast & lunch)
October 10 - ($130 Groceries)
October 11 -
October 12 -
October 13 -
October 14 - ($13 lunch, $24 Halloween costume stuff)
October 15 -
October 16 - ($127 groceries, $6 breakfast)
October 17 -
October 18 -
October 19 - ($13 postage, $8 lunch)
October 20 - ($10 milk & bread, $7 fabric for halloween costume)
October 21 -
October 22 - ($40 groceries, $38 book & 2 magazines )
October 23 -
October 24 - ($172 groceries)
October 25 -
October 26 -
October 27 -


My goals and key:

$745/$625 Groceries/Household items
$119/$100 Frivolous Spending (including lunches at work)
- No Spend
- Budgeted Spending
- Unbudgeted Spending
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#308 of 350 Old 10-28-2009, 10:47 AM
 
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Quote:
Originally Posted by amyamanda View Post
I could have justified just about all of those purchases IF I had had the cash to spend on them at the time...

I think the main thing is, I didn't discipline myself to wait until we really had the money.
Interesting post. I find myself dealing with the same issue. Our budget always gets blown by perfectly reasonable things that we were planning to buy anyway, but for some reason get pushed ahead of schedule. I wonder if we need to keep a certain amount of cash on hand for unbudgeted household items each month.
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#309 of 350 Old 10-28-2009, 11:00 AM
 
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Another sick day at home.


Oct 1 --
Oct 2 --
Oct 3 -- 18.55 thrift store clothes
Oct 4 -- $20 campsite, $103 camping gear
Oct 5 --
Oct 6 --
Oct 7 --
Oct 8 -- 11.55 fast food
Oct 9 --
Oct 10 -- 20.00 gift
Oct 11 --
Oct 12 --
Oct 13 --
Oct 14 -- 10.00 coat and bookcase
Oct 15 --
Oct 16-19 -- travel, stayed within budget
Oct 20 --
Oct 21 --
Oct 22 -- 2.00 coffee
Oct 23 --
Oct 24 -- 5.00 merry-go-round and bridge toll
Oct 25 -- 34.73 hardware store
Oct 26 --
Oct 27 --
Oct 28 --
Oct 29 --
Oct 30 -- pay day
Oct 31 --



1800/2250.00 savings (extra paycheck this month)
513.84/600.00 groceries/household stuff

Frugal, food growing mama to my four loves

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#310 of 350 Old 10-28-2009, 11:55 AM
 
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Quote:
Originally Posted by amyamanda View Post
  • I will stop feeling sorry for myself.
  • I will stop comparing myself and my life and my stuff to others.
  • I will strive to cultivate constant gratitude for what I already have.
  • I will not spend a SINGLE CENT unless I have designated cash in hand or an amount previously set aside in my ledger.
  • I will explore ways to redefine the words "deserve" and "indulge."
  • My current lifestyle is a lifetime away from my old lifestyle, and I don't want my old lifestyle back anyway, and I need to remember not to pretend I can still live that way. No more false nostalgia for a consumerist existence.

And I will forgive myself and move on.
These need to be my own points exactly. Its like you were writing these for me!

Quote:
Originally Posted by amyamanda View Post

Anyway, I bet I'm not alone in having this experience. I think 99% of the time I do really, really well - meeting our needs and then some without spending much at all. But unfortunately, old habits die hard.

Thanks for the support. It helps to be able to come here and know others will understand.
No, you are certainly not alone! I am working on the old habits, too. Thanks for these great two posts!!
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#311 of 350 Old 10-28-2009, 04:08 PM
 
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=No Spend Day!
=No Spending outside of Prewritten Budget
=Unnecessary Spending
=Not Budgeted but Needed
=No drive days

566.10/566.10 Paid to Hospital PAID IN FULL
1000.00/500.00 To Emergency Fund EXCEEDED MY GOAL
6/10 No drive days

1-
2- Paid Bills $33.79 Ordered Floradix (in budget for the week)
3- $39 Gas, $204.99 Home Improvement $24.20 Dinner Out
4- $199.58 Home Improvement, $13.65 Kids Underwear, Fall Decorations $3.15 ff lunch
5- $24.82 Bought some groceries early so I could take snacks with me to the hospital and cook lunch for a friend after~ instead of ordering take out. (HUGE for me!) +10.00 rebate refund +33.00 took some stuff we bought this weekend back that we didn't use+48.00 ebay sales
6- Sick Family, Fell off the wagon-Ordered dinner in, pregnancy tea $10 ebay
7- Sick Family, Fell off the wagon- Dr copays, lunch, medicine, snacks, dinner
8-Grocery Day 131.11/125, $5.25 lunch
9-Sick
10-Sick
11-Sick
12-Sick
13-Sick
14-Sick
15- We used a lot of emergency funds this last week as all the kids came down with H1N1, pnemonia and bronchitis~ med bills=not good! I think I am back on track now for the month
16- Paid Bills
17- $11.00 take out dinner
18-
19- More Dr fees... Kids just aren't kicking this flu
20- $13 Christmas Gift for Daughter (used paypal funds from things I had sold)
21-
22- $20 groceries $7 Thrift Store~ clothes
23- Paid Bills, $105 groceries/household, $70 4 Christmas presents for kids
24- I have money burning a hole in my pocket... I did good today though~ Picked up some snowboots and birthday presents for DD at SA $18, went to the library book sale & found homeschool stuff & a few birthday gifts there also $33 (some of that is DH's stuff), did my rebate shopping at Menards $48 (will get all back as store credit)... Mailed a check to our bank so I can pay off some bills next week.
25- Big Lots $30~organic tomatos, spices, underwear, potting soil Menards~$44 will get $32 back in rebates, Groceries $27 stocking up the pantry/freezer, Staples~$33 will get $13 back (Christmas gifts & stocking office supplies on sale), Walgreens~$30 sale stock ups $15 in rebates/RR's~ I had a good bargain day and replenished quite a bit of needed items
26- $16 Groceries (so much for no spend!)
27- Paid Bills $100 gasoline in 2 vehicles
28- $215 Christmas Gifts $160 Groceries (went a little over budget here but am trying to stock the freezer for upcoming birth) $30 Cloth Diaper/Cover
29-
30-
31-

I am so ready to start a new list with new goals for November! Hurry up October!!!

~Loved Wife & Blessed Mama to 7~
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#312 of 350 Old 10-28-2009, 09:44 PM
 
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My key:
No Spend
No Driving
Budgeted Spending/Necessities/Thought Over Purchase
Unnecessary Spending
: Exercise Day

Groceries $728

1st- :
2nd- :
3rd- :
4th-
5th- :
6th- :
7th- :
8th-
9th- :
10th-:
11th-:
12-
13th- :
14th- :
15th- :
16th- :
17th- :
18th- :
19th- :
20th-
21st- :
22nd- :
23rd- :
24th- :
25th- :
26th- :
27th- :
28th- :

Vicki- Homeschooling Mama to 4 girls
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#313 of 350 Old 10-28-2009, 11:39 PM
 
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kept book fair spending in budget! forgot to get gas though, d'oh!
tomorrow's plan is the library and packing... got to remember that dd1 ALWAYS asks to stop at the library cafe and to eat ahead of time and plan snacks!

no spend at all
spend in budget
unplanned spending

26- groceries
27- costco, unplanned lunch out
28-
29-
30-
31-
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#314 of 350 Old 10-28-2009, 11:43 PM
 
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Quote:
Originally Posted by nina_yyc View Post
Interesting post. I find myself dealing with the same issue. Our budget always gets blown by perfectly reasonable things that we were planning to buy anyway, but for some reason get pushed ahead of schedule. I wonder if we need to keep a certain amount of cash on hand for unbudgeted household items each month.
I think that is a really really good idea. A 'flex' category.

And hugs to you Amanda.
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#315 of 350 Old 10-29-2009, 08:47 AM
 
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10/01:
10/02:
10/03: Chinese food $16.26
10/04:
10/05:
10/06:
10/07:
10/08:
10/09: Chinese food $19.05
10/10: Booze $6
10/11:
10/12:
10/13:
10/14:
10/15:
10/16:
10/17:
10/18:
10/19:
10/20:
10/21:
10/22:
10/23: Swap shipping $18
10/24: Fabric $18
10/25: Chinese food $16.80
10/26:
10/27:
10/28:

22/20 No-spend days
$94.11/$100 Frivolous spending

Jenny, proud maker of red things
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#316 of 350 Old 10-29-2009, 10:04 AM
 
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amyamanda- I could post the exact thing for this month. Dh has been working lots of overtime this month(mandatory)- so I took advantage of the extra in the budget and kept on taking advantage. Mostly not on anything frivolous but things I should have waited until I could have better afforded it- now we are a few hundred short of money I wanted to save this month.

I hope that the next few months I can get back on track and recover. Part of what I spent money on was bulk food, which should certainly save us money in the next months. Then we were working on finishing the laundry room and I just wanted it all the way done- so instead of waiting we bought the stuff to finish it. Then I spent extra on the grocery budget, mostly not terribly extravagant, but things like fruit- I have been eating only free pears for the past month or so. And the thing I do regret- we ate out more due to my lack of planning and laziness from being pregnant. Plus, to top that off we had a bill come in at about 2x what I thought it was going to be. Sigh... anyway- next 3-4 months the grocery budget should be pretty good- I have bought a good stock pile on lots of things and dh will be getting a deer for meat her soon and I am going in w/ friends to get a partial beef. Plus, I have any freezer meals to last at least a month for when the baby comes.

Happily Married to my : 11 yrs- Mama to wild-eyed monkey boy 7-04, fiery little girl 4-07, and the happy smiley baby that sleeps 11-09!
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#317 of 350 Old 10-29-2009, 10:24 AM
 
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I think this flu is finally winding down. The baby still has a sore throat, but his fever is down and the big kids are well. I think cabin fever is the new illness of the day though. I have got to get these kids outside!!!!

Nothing to spend money on today, so giving myself an early .


Oct 1 --
Oct 2 --
Oct 3 -- 18.55 thrift store clothes
Oct 4 -- $20 campsite, $103 camping gear
Oct 5 --
Oct 6 --
Oct 7 --
Oct 8 -- 11.55 fast food
Oct 9 --
Oct 10 -- 20.00 gift
Oct 11 --
Oct 12 --
Oct 13 --
Oct 14 -- 10.00 coat and bookcase
Oct 15 --
Oct 16-19 -- travel, stayed within budget
Oct 20 --
Oct 21 --
Oct 22 -- 2.00 coffee
Oct 23 --
Oct 24 -- 5.00 merry-go-round and bridge toll
Oct 25 -- 34.73 hardware store
Oct 26 --
Oct 27 --
Oct 28 --
Oct 29 --
Oct 30 -- pay day
Oct 31 --



1800/2250.00 savings (extra paycheck this month)
513.84/600.00 groceries/household stuff

Frugal, food growing mama to my four loves

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#318 of 350 Old 10-29-2009, 11:17 AM
 
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October 1 - ($10 Breakfast & Lunch)
October 2 - ($12 lunch)
October 3 - ($226 Groceries)
October 4 - ($40 Groceries)
October 5 -
October 6 - ($2 breakfast)
October 7 -
October 8 -
October 9 - ($17 breakfast & lunch)
October 10 - ($130 Groceries)
October 11 -
October 12 -
October 13 -
October 14 - ($13 lunch, $24 Halloween costume stuff)
October 15 -
October 16 - ($127 groceries, $6 breakfast)
October 17 -
October 18 -
October 19 - ($13 postage, $8 lunch)
October 20 - ($10 milk & bread, $7 fabric for halloween costume)
October 21 -
October 22 - ($40 groceries, $38 book & 2 magazines )
October 23 -
October 24 - ($172 groceries)
October 25 -
October 26 -
October 27 -
October 28 - ($9 lunch, $36 groceries, $8 Doll, $13 kids socks, $32 wine)


My goals and key:

$781/$625 Groceries/Household items
$168/$100 Frivolous Spending (including lunches at work)
- No Spend
- Budgeted Spending
- Unbudgeted Spending
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#319 of 350 Old 10-29-2009, 11:56 AM
 
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=No Spend Day!
=No Spending outside of Prewritten Budget
=Unnecessary Spending
=Not Budgeted but Needed
=No drive days

566.10/566.10 Paid to Hospital PAID IN FULL
1000.00/500.00 To Emergency Fund EXCEEDED MY GOAL
7/10 No drive days

1-
2- Paid Bills $33.79 Ordered Floradix (in budget for the week)
3- $39 Gas, $204.99 Home Improvement $24.20 Dinner Out
4- $199.58 Home Improvement, $13.65 Kids Underwear, Fall Decorations $3.15 ff lunch
5- $24.82 Bought some groceries early so I could take snacks with me to the hospital and cook lunch for a friend after~ instead of ordering take out. (HUGE for me!) +10.00 rebate refund +33.00 took some stuff we bought this weekend back that we didn't use+48.00 ebay sales
6- Sick Family, Fell off the wagon-Ordered dinner in, pregnancy tea $10 ebay
7- Sick Family, Fell off the wagon- Dr copays, lunch, medicine, snacks, dinner
8-Grocery Day 131.11/125, $5.25 lunch
9-Sick
10-Sick
11-Sick
12-Sick
13-Sick
14-Sick
15- We used a lot of emergency funds this last week as all the kids came down with H1N1, pnemonia and bronchitis~ med bills=not good! I think I am back on track now for the month
16- Paid Bills
17- $11.00 take out dinner
18-
19- More Dr fees... Kids just aren't kicking this flu
20- $13 Christmas Gift for Daughter (used paypal funds from things I had sold)
21-
22- $20 groceries $7 Thrift Store~ clothes
23- Paid Bills, $105 groceries/household, $70 4 Christmas presents for kids
24- I have money burning a hole in my pocket... I did good today though~ Picked up some snowboots and birthday presents for DD at SA $18, went to the library book sale & found homeschool stuff & a few birthday gifts there also $33 (some of that is DH's stuff), did my rebate shopping at Menards $48 (will get all back as store credit)... Mailed a check to our bank so I can pay off some bills next week.
25- Big Lots $30~organic tomatos, spices, underwear, potting soil Menards~$44 will get $32 back in rebates, Groceries $27 stocking up the pantry/freezer, Staples~$33 will get $13 back (Christmas gifts & stocking office supplies on sale), Walgreens~$30 sale stock ups $15 in rebates/RR's~ I had a good bargain day and replenished quite a bit of needed items
26- $16 Groceries (so much for no spend!)
27- Paid Bills $100 gasoline in 2 vehicles
28- $215 Christmas Gifts $160 Groceries (went a little over budget here but am trying to stock the freezer for upcoming birth) $30 Cloth Diaper/Cover
29- We are in the middle of a blizzard so I won't be leaving the house anytime today
30-
31-

~Loved Wife & Blessed Mama to 7~
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#320 of 350 Old 10-29-2009, 02:47 PM
 
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Legend:
Budgeted spend
No spend
Unplanned spend

October:
1.
2. a coworker's last day, we took her out to lunch. 9.18
3. gas 22.58, food 104.26, NFC 28.59, gladrags 58.57 (building up my supply). under cabinet water filtration system 56.02. wanted to get this next year but dh had to have it now cuz he has a buddy who can install it for us this coming weekend.
4.
5.
6.
7.
8.
9. dinner out 31.78
10. food 65.61, NFC 22.80
11.
12.
13.
14. bought girl scout product from coworker 5.00
15.
16.
17. food 100.01, NFC 16.01, gas 21.59, sister's bday 20.00. household 44.11 (went a little crazy for kitchen supplies. in my defense i did need everything but really could have waited for most items!)
18. dad's airfare to fly out here for thanksgiving 375.00
19.
20.
21.
22.
23. dinner out 25.60
24. food including catfood 48.46, NFC 34.76, household 16.19
25.
26.
27. vending machine at work
28. ditto
29. ditto again. ack!! haven't adequately prepared my snacks for work this week
30.
31.
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#321 of 350 Old 10-29-2009, 05:32 PM
 
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I am on board for no spending until at least Dec. 6th. We have to get back on track. I am a SAHM to 2 girls and we are average income for this area but we do have debt that really burdens us. My goal from today until Dec. 6th is to only spend what I have written down.

$20 - 2 birthday gifts
$37 - prenatals
$15 - one day eating out
$250 - groceries (I have a ton of pasta and tomatoes/sauce so we will be eating a lot of spaghetti for the next month)
$75 - pets
$50 - necessary household (I am out of conditioner but decided I can go a month without - I am just going to use some leave in that has been sitting in the cupboard - however we will need toothpaste and toilet paper)
$53 - gas
Total - $500.00

If we can do this, it will mean peace of mind for me. Otherwise, we will have to start selling some stuff but I really wanted the money from selling stuff to go to our emergency fund. Wish us luck.

Oct 29. - $No spending so far. I do have to go grocery shopping this evening.
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#322 of 350 Old 10-29-2009, 05:47 PM
 
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Goals:
10/12 - "no spend" days
3/3 - Eating Dinner out days

Spending Goals:
$502.00/500.00 for groceries
$24.00/100.00 for Halloween spending
$205 - Emergency Spending

Key:
- no spending
- budgeted spending
- unbugeted spending
- unbudgeted & emergency spending

October
1 -
2 -
3 - ($307 at Costco & $142 at the grocer)
4 - ($58 at Target) and $6 at goodwill for 3 movies for DSs- this might be a , but we had leftover $$ from our budgeted Target run. Just watch -This will come back & bite me later in the month.
5 -
6 - $25 co-pay & $10 for DS2's prescription re: staph/diaper rash
7 -
8 -
9 -
10 - $11 Farmer's Market I have to add another expense here $7.99 sidewalk chalk
11 - $33 for coffee beans
12 -
13 -
14 - $31 for groceries (per DH) & a big ole for me
15 -
16 -
17 - $6 for pumpkins/gourds & $2 for baby carrots
18 - target run $27 (though $8 were for halloween), chinese take-out for dinner $31
19 - $170 computer monitor (but its nice & pretty now!!)
20 -
21 - $25 co-pay & $10 for DS2 killer diaper rash
22 - $4.99 lunch out
23 - $9.99, I got donuts for my office (to boost morale!)
24 - $3.80 coffee
25 - $6.50 coffee & HC for DS; $20 for gas to GP house
26 - $3.48 for lunch at work
27 -
28 - $19.78 grocery items & $2.38 for a soda & popcorn
29 -
30 - ???

treehugger.gifAnd you who seek to know Me, know that the seeking and yearning will avail you not, unless you know the Mystery: for if that which you seek, you find not within yourself, you will never find it without.treehugger.gif

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#323 of 350 Old 10-29-2009, 08:11 PM
 
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My key:
No Spend
No Driving
Budgeted Spending/Necessities/Thought Over Purchase
Unnecessary Spending
: Exercise Day

Groceries $728

1st- :
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29th-

Vicki- Homeschooling Mama to 4 girls
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#324 of 350 Old 10-29-2009, 10:33 PM
 
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10/01:
10/02:
10/03: Chinese food $16.26
10/04:
10/05:
10/06:
10/07:
10/08:
10/09: Chinese food $19.05
10/10: Booze $6
10/11:
10/12:
10/13:
10/14:
10/15:
10/16:
10/17:
10/18:
10/19:
10/20:
10/21:
10/22:
10/23: Swap shipping $18
10/24: Fabric $18
10/25: Chinese food $16.80
10/26:
10/27:
10/28:
10/29:

23/20 No-spend days
$94.11/$100 Frivolous spending

Jenny, proud maker of red things
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#325 of 350 Old 10-30-2009, 07:58 AM
 
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Drats. Furloughs begin with today's paycheck, so I will come up short on my savings goal. We put away quite a bit this month and I am thrilled with what we were able to accomplish, but I would have liked to have met my goal. Ah well.

The furlough was a big one, so I will have to be very tight for the next two weeks to keep my budget intact. I knew that camping gear we bought earlier this month was going to come back and bite me.

Need to do a very small grocery trip, should be less than $50. Looks like we are coming in under budget for groceries.


Oct 1 --
Oct 2 --
Oct 3 -- 18.55 thrift store clothes
Oct 4 -- $20 campsite, $103 camping gear
Oct 5 --
Oct 6 --
Oct 7 --
Oct 8 -- 11.55 fast food
Oct 9 --
Oct 10 -- 20.00 gift
Oct 11 --
Oct 12 --
Oct 13 --
Oct 14 -- 10.00 coat and bookcase
Oct 15 --
Oct 16-19 -- travel, stayed within budget
Oct 20 --
Oct 21 --
Oct 22 -- 2.00 coffee
Oct 23 --
Oct 24 -- 5.00 merry-go-round and bridge toll
Oct 25 -- 34.73 hardware store
Oct 26 --
Oct 27 --
Oct 28 --
Oct 29 --
Oct 30 --
Oct 31 --



1800/2250.00 savings (extra paycheck this month)
528.84/600.00 groceries/household stuff

Frugal, food growing mama to my four loves

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#326 of 350 Old 10-30-2009, 09:56 AM
 
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=No Spend Day!
=No Spending outside of Prewritten Budget
=Unnecessary Spending
=Not Budgeted but Needed
=No drive days

566.10/566.10 Paid to Hospital PAID IN FULL
1000.00/500.00 To Emergency Fund EXCEEDED MY GOAL
7/10 No drive days

1-
2- Paid Bills $33.79 Ordered Floradix (in budget for the week)
3- $39 Gas, $204.99 Home Improvement $24.20 Dinner Out
4- $199.58 Home Improvement, $13.65 Kids Underwear, Fall Decorations $3.15 ff lunch
5- $24.82 Bought some groceries early so I could take snacks with me to the hospital and cook lunch for a friend after~ instead of ordering take out. (HUGE for me!) +10.00 rebate refund +33.00 took some stuff we bought this weekend back that we didn't use+48.00 ebay sales
6- Sick Family, Fell off the wagon-Ordered dinner in, pregnancy tea $10 ebay
7- Sick Family, Fell off the wagon- Dr copays, lunch, medicine, snacks, dinner
8-Grocery Day 131.11/125, $5.25 lunch
9-Sick
10-Sick
11-Sick
12-Sick
13-Sick
14-Sick
15- We used a lot of emergency funds this last week as all the kids came down with H1N1, pnemonia and bronchitis~ med bills=not good! I think I am back on track now for the month
16- Paid Bills
17- $11.00 take out dinner
18-
19- More Dr fees... Kids just aren't kicking this flu
20- $13 Christmas Gift for Daughter (used paypal funds from things I had sold)
21-
22- $20 groceries $7 Thrift Store~ clothes
23- Paid Bills, $105 groceries/household, $70 4 Christmas presents for kids
24- I have money burning a hole in my pocket... I did good today though~ Picked up some snowboots and birthday presents for DD at SA $18, went to the library book sale & found homeschool stuff & a few birthday gifts there also $33 (some of that is DH's stuff), did my rebate shopping at Menards $48 (will get all back as store credit)... Mailed a check to our bank so I can pay off some bills next week.
25- Big Lots $30~organic tomatos, spices, underwear, potting soil Menards~$44 will get $32 back in rebates, Groceries $27 stocking up the pantry/freezer, Staples~$33 will get $13 back (Christmas gifts & stocking office supplies on sale), Walgreens~$30 sale stock ups $15 in rebates/RR's~ I had a good bargain day and replenished quite a bit of needed items
26- $16 Groceries (so much for no spend!)
27- Paid Bills $100 gasoline in 2 vehicles
28- $215 Christmas Gifts $160 Groceries (went a little over budget here but am trying to stock the freezer for upcoming birth) $30 Cloth Diaper/Cover
29- We are in the middle of a blizzard so I won't be leaving the house anytime today
30- Paid Bills, Just going to the library today so shouldn't be any spending
31-

~Loved Wife & Blessed Mama to 7~
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#327 of 350 Old 10-30-2009, 01:09 PM
 
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10/1 BUT ran into a palm tree so must pay $500 insurance deductible next week when I take van to the shop. Grrrr.
10/2 $7.35 Little Caesar's pizza - but I was craving it for 2 weeks now and it was soooo good I can't regret it!
10/3
10/4
10/5 Paid electric bill.
Going to be a spending day because going on a day trip to the Polynesian Cultural Center (have annual pass). Planning to buy kids a dvd or cd of Poly music at the gift shop-been looking for one online for a while but can't find any, so I guess I have to bite the bullet and buy it brand new. The kids have been longing for one, so I don't feel bad. I'll give myself a for the day because we're packing our own dinner.
10/6
10/7
10/8 Target and WalMart splurges, spur of the moment party invite.
10/9 Don't know what to call this one - necessary, but dumb. Got van fixed for backing into palm tree. $500 deductible paid.
10/10 Spent $6 on a book I've been looking for! Border's 40% off coupon ROCKS!
10/11 BUT I will be putting in a LARGE glowstick order which is going over my entire Halloween budget. Grrr. And I will still have to buy treats.
10/12 Spent 58 cents today. Can I count that as a ?
10/13 $50 in glowsticks, $4 for Robeks smoothie for kids (and it was tiny)
10/14 $6 at Aquarium Gearing up for tomorrow, which will be a big spend day. (groceries, gas, household)
10/15 Gas
10/16
10/17
10/18
10/19
10/20
10/21
10/22
10/23
10/24 Filled gas at an EXPENSIVE pump. Grrrr
10/25
10/26 Out to get Halloween treats and groceries
10/27
10/28
10/29
10/30 making a return today but stopping at Payless for some much-needed shoes at 50% off!

My Key/Goals:
= no spend 8/10
= spent within budget
= frivolous spending
= eating out 3/3
$50/$35 Halloween supplies (costumes already purchased, this is only for treats and light sticks - enough light sticks to last us the entire year)

ARGH! It looks like I'm within budget often, yet my frivolous spending is costing a TON! A LOT OVER budget!

Akie, single mom to M (02/18/06), E (08/04/07) and Z (06/22/09)
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#328 of 350 Old 10-30-2009, 01:17 PM
 
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Still doing well with the no spend

Oct 25-
Oct 26-
Oct 27-
Oct 28-
Oct 29-
Oct 30-
Oct 31-

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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#329 of 350 Old 10-30-2009, 02:13 PM
 
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October 1 - ($10 Breakfast & Lunch)
October 2 - ($12 lunch)
October 3 - ($226 Groceries)
October 4 - ($40 Groceries)
October 5 -
October 6 - ($2 breakfast)
October 7 -
October 8 -
October 9 - ($17 breakfast & lunch)
October 10 - ($130 Groceries)
October 11 -
October 12 -
October 13 -
October 14 - ($13 lunch, $24 Halloween costume stuff)
October 15 -
October 16 - ($127 groceries, $6 breakfast)
October 17 -
October 18 -
October 19 - ($13 postage, $8 lunch)
October 20 - ($10 milk & bread, $7 fabric for halloween costume)
October 21 -
October 22 - ($40 groceries, $38 book & 2 magazines )
October 23 -
October 24 - ($172 groceries)
October 25 -
October 26 -
October 27 -
October 28 - ($9 lunch, $36 groceries, $8 Doll, $13 kids socks, $32 wine)
October 29 - ($20 going away lunch for a colleague, $5 lottery ticket, $47 produce)


My goals and key:

$828/$625 Groceries/Household items
$193/$100 Frivolous Spending (including lunches at work)
- No Spend
- Budgeted Spending
- Unbudgeted Spending
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#330 of 350 Old 10-30-2009, 04:20 PM
 
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Oct 29 - - spent $20 at grocery store (all on items we needed), $15 in supplements (dh is getting sick and won't do without)

Oct 30 - - not going out today so there will be no spending. Made chili in the crockpot - enough for 4 days.
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