~ October No-Spend Challenge ~ The treat is having money in the bank. The trick is keeping it there. - Mothering Forums

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Old 09-29-2009, 04:20 PM - Thread Starter
 
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This is a support thread to help you ~not spend your money~.

Everyone is welcome to join and you can start tracking your spending at any time. It doesn't have to be October 1st.

The plan is simple (although tough to execute):

1. Vow not to spend any money on unnecessary purchases.

2. Come on here everyday and record your spending.

We all record our spending in different ways. There are no rules. You record and update however you would like -- pick a way that will help you spend the least amount of money.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Please write an introductory message when you decide to join our thread. We would like to know:

a. Who you are

b. Where you are going (your financial goals) and

c. How you plan to get there

Good luck MDCers!! Keep that money in your wallet.

 

 

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Old 09-29-2009, 05:03 PM
 
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I'm really looking forward to joining this challenge. I just read a book called "Spent", that literally changed my life. It talks about how, if your parents did not have a healthy relationship with money, more than likely you will have problems with money - which I do.

According to the book I am an indulger, which means, try as I might, I find reason not to stick to our monthly budget. I have always argued with my husband about my refusing to make a list when I go shopping - I tell him that with five kids aged seven and under, it's much easier for me to remember everything in my head than taking the time to write it all down. But I now realize that not having a list means I have no restrictions for what I buy.

So my goal for October is to create a healty relationship with money and stick to our budget and fight the urge to impulse shop!

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Old 09-30-2009, 12:04 AM - Thread Starter
 
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That sounds like a good book. I'll have to see if I can get it at our library. My parents were awful with money.

 

 

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Old 09-30-2009, 12:11 AM
 
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I'm in! I am also going to try to keep my grocery bill to $600 for a family of five. Wish me luck!

Maggie, wife and mom to three
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Old 09-30-2009, 03:14 AM
 
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I'm joining in! We had all the credit cards paid off and after some car repairs and DH not getting reimbursed for his MBA classes this summer we're right back where we started. I'm trying not to dwell on it too much and just focus on our goals moving forward.

My goal this month is to keep our grocery budget under $500 and not to eat out at all (which would be a HUGE accomplishment for us). I hope that by tracking all of our spending this month we'll be able to set up a budget and figure out how long it's going to take us to pay of the credit card. We really need to get this debt paid off and some money saved up!
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Old 09-30-2009, 07:57 AM
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a. Who you are
Noelle

b. Where you are going (your financial goals)
We have no debt at all, and have been struggling to bounce back from a bank error that drained us of $1,000 we didn't have to spare (f-u Chase Bank - we are now with a credit union since Chase refuses to own up to reposibility for their system not doing a scheduled funds transfer until a day after all our bills went through, resulting in tons of overdraft fees, then NSF fees for not having the money in that account for the overdraft fees, leading to more overdraft fees, to the tun of nearly $1,000, though the money wasin savings where it should NOT have been) on top of moving on top of a bunch of other unexpected but unavoidable expenses.

Our goal is to be completely back above water this month, and to start socking away a little bit again.

c. How you plan to get there
I have written up a budget clear through next summer accounting for rent, cell phones, utilities, $100 every two weeks for gas (takes a little over 2 gallons a day for my fiance to get to and home from work), and $200 every two weeks for food and all other incidentals (pet foods, toiletries, etc.). There is nothing in the budget for entertainment or other spending, which will only happen if we save it out of that $200. I overestimated on utilities costs (I estimated them at $250 for electric and gas, but when we got our electric bill yesterday, it was only $40!!), and underestimated what to epect to come in. Anything over what I estimated coming in goes right to savings. Anything under what I estimated going out goes right into savings.
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Old 09-30-2009, 10:40 AM
 
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We are a family of 8 with a baby on the way.

Our financial goals for October include completely paying off a hospital bill, getting and staying current on the rest of our bills, and putting away $500 towards our emergency fund.

I plan to get there this month by sticking to our written budget- no excuses!

=No Spend Day!
=No Spending outside of Prewritten Budget
=Unnecessary Spending
=Not Budgeted but Needed

50.10/566.10 Paid to Hospital
20.00/500.00 To Emergency Fund

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~Loved Wife & Blessed Mama to 7~
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Old 09-30-2009, 11:41 AM
 
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I joined last month and did fairly well, but got lazy and stopped posting.

My goals for this month is no takeout/cut our grocery billand try and get some holiday things done as cheaply as piossible..

mommy daddy son daughter = our family
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Old 09-30-2009, 11:59 AM
 
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Will be joining, need to post details later when I finish posting tallies for September. We met our goals for September and seem to be doing pretty good staying on track.

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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Old 09-30-2009, 01:27 PM
 
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After a few months off I jumped back in mid month in September...Thanks for the motivation Prudence

I am Kristine WOHM to 3 girls.

My goal this month is to get better at budgeting from week to week.

I plan to get there doing a monthly budget as opposed to a weekly one. Oh and trying not to buy food when I am at work
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Old 09-30-2009, 01:43 PM
 
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I'm going to join again this month.

I'm Allyson, ft wohm with 2 boys and a part-time working, school-going dh.

We have 2 credit cards (we had some house issues and had to break down and use them) we'll be paying off and then just sticking to our grocery budget. We're going to take the money we were paying on the cards and put it in savings.
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Old 09-30-2009, 03:20 PM
 
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Oh, I love a no-spend challenge.

Big savings goals this month! We have furloughs coming and need to beef up the savings safety net. Busy month -- we have a birthday, a trip to Vermont to see friends and Halloween to contend with, so I will need this thread to keep me motivated and focused on my goals.


2250.00 savings (extra paycheck this month)
600.00 groceries
100.00 ds's birthday/Halloween

Frugal, food growing mama to my four loves

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Old 09-30-2009, 03:40 PM
 
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I'm Nina, a.k.a. Libby's mom. It's our last two months of two-income life since I'll be on mat leave after the babe, and we really should have more saved than we did over this pregnancy. We went on vacation and bought some furniture so we could move DD into what used to be the den, one major car repair later and now we *must* stick to the budget this month. We also need to come up with $$ for the doula and find a secondhand bassinet and chest of drawers for the new baby.

The plan: Well, the name of the thread really says it all, doesn't it? No spend!
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Old 09-30-2009, 03:54 PM
 
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I'm back again, and this time setting some reasonable goals which I will achieve this month. Bring it OCTOBER!

Goals:
12 - "no spend" days
3 - Eating Dinner out days
Spending Goals:
500.00 for groceries
100.00 for halloween spending

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

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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Old 09-30-2009, 03:58 PM
 
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Originally Posted by _ktg_ View Post
I'm back again, and this time setting some reasonable goals which I will achieve this month. Bring it OCTOBER!

Goals:
12 - "no spend" days
3 - Eating Dinner out days
Spending Goals:
500.00 for groceries
100.00 for halloween spending

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

I like your key and think I will use it too! I like how you set a limit to Halloween. Does this include class party, decorations and costumes?

Maggie, wife and mom to three
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Old 09-30-2009, 04:10 PM
 
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Quote:
Originally Posted by maggiemae View Post
I like your key and think I will use it too! I like how you set a limit to Halloween. Does this include class party, decorations and costumes?
awww! *blush*, use away!!

My limit for Halloween does include decorations, costumes (for me, DH, & DS1 - DS2 has a costume courtsey of DS1), along with candy. We have some decorations from previous years, and we're planning to make some more this year too. I'm really wanting to watch what we spend on candy because its always too much, and DH often thinks we'll run out, buys more and then we have it just laying around the house (bleh!)

Luckily for us DS isn't in school yet (3 y.o), but I could easily see in the future it will have to include class parties and etc. Oh boy, my head is already starting to spin thinking of what that will entail!!

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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Old 09-30-2009, 04:37 PM
 
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I'm in again!

Who you are: Aileen, married to dh, 5 stepkids (two of whom are with us part time), one daughter and two little grandchildren.

Where you are going: I've got my EF set up. Long term goal is to add to it. We also have additional medical bills from dh's surgery earlier this year that KEEP POURING IN!!!! I had just started to put my direct deposit on hold so that I could pay off my cc early. Another goal is to get the car loan paid off early but that will have to be put on hold until next year. Also want to build up retirement savings.

How you plan to get there: Continue watching my spending and cutting back where I can and adding the savings to our accounts. As the cc and car loan get paid off I want to roll those into savings also.

Legend:
Budgeted spend
No spend
Unplanned spend

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Old 09-30-2009, 06:10 PM
 
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1. Renee, part-time RN who wants to work as little as possible. Live with my one year old boy and his daddy.

2. Save as much as possible to stay home more and pay debt so we can move cross country before my son starts school.

3. Watch what I spend. Strict budget including putting part of my pay directly into a separate account as soon as I get paid. Keep the checks and debit card for that account at home at all times.

No spend

Unplanned spending

Planned spending
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Old 09-30-2009, 06:33 PM
 
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I'm going to jump in here, although "no-spend" sounds really, really intimidating to me.

I'm Charlotte, a midwife and mama to 3.5.

My DH is changing jobs this month to a better position that pays about the same as his most recent pay level, which was raised about a month ago. Now he makes enough that we really "should" be more comfortable than we are, except for a long history of not making much money and mismanaging what we did have. We are taking a FPU class and our goal this month is to stick to a budget, which will eventually help us catch up on the things that we are behind on or have been putting off. For me, the tough part of the budget is going to be trimming the eating out and the unplanned expenses. I'd like to not spend ANY unplanned money this month. His first of the month paycheck was deposited today, so today begins the month for us.

Here's my key:
No Spend Day:
Planned/Budgeted Spending:
Unplanned Necessary Spending:
Unnecessary Spending:

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Charlotte, midwife to some awesome women, wife to Jason, and no longer a mama to all boys S reading.gif('01), A nut.gif ('03) S lol.gif ('08) and L love.gif ('10).
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Old 09-30-2009, 06:45 PM
 
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I am Vicki, have 4 girls, I did this last month, and am so proud of myself! Spent $1163 LESS in September than the month before.

My goals--Short term goals right now, and additonal $1000 in savings by the end of the month. Pay off 1 small credit card.
How I plan to do this....
Not eating out!! Once or twice a month for DH and I to have a date night, all of us out to eat only when "kids eat free". Buying necessities and really thinking about purchases outside of necessities (will wait 24 hours for anything over $10), "gasp" cutting out my paper towel addiction- been doing great on this. Having at least 2 no-drive days a week.

My key:
No Spend
No Driving
Budgeted Spending/Necessities/Thought Over Purchase
Unnecessary Spending
: Exercise Day

Vicki- Homeschooling Mama to 4 girls
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Old 09-30-2009, 08:31 PM
 
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I have completely fallen off the wagon. I will use the remainder of this month to get back on track, and then start fresh in November. (I am planning a big trip at the end of March, so I ABSOLUTELY have to stick to my budget for the next 5 months...)

Visit www.evolutiontosimplicity.blogspot.com to follow my epic saga of single mummahood....

 

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Old 09-30-2009, 09:53 PM - Thread Starter
 
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Great to see all these newcomers on our thread!

...and you regulars too

 

 

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Old 10-01-2009, 05:24 AM
 
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My name is Linda and I'm currently trying to get caught up on bills and to be able to afford plane tickets for my stepdaughters to visit at Christmas. Money has been really tight, as I've been unable to work for most of my pregnancy so far (due to extended nausea). I plan to be as frugal as I can be in order to save all that I can save. I've been making my own household cleaner and laundry detergent and am exploring other ways to live simply/frugally, as well. I'll develop more of a plan as I begin this journey, but I think the no spend challenge is an excellent place to start.


No Spending
Planned Spending
Unplanned Spending
Exercise


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Old 10-01-2009, 05:30 AM
 
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I'm Akie, SAHM to 3 wonderful boys and trying to keep it that way - in the middle of a custody evaluation here and hating every minute of it.

This month I'm actually using the cash system! I've been too scared to do it before, but this month I'm really doing it!!!!

I'd like to save 25% of the income this month. I'll keep track using smilies here. The only hard part of the month will be paying for the 2-night trip I'll be taking in Nov. for a wedding.

Akie, single mom to M (02/18/06), E (08/04/07) and Z (06/22/09)
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Old 10-01-2009, 05:34 AM
 
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BTW Crunchy VT Mom - did I mention how much I love your titles every month? I've been lurking several months already and your creativity rocks!

Akie, single mom to M (02/18/06), E (08/04/07) and Z (06/22/09)
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Old 10-01-2009, 06:47 AM
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October 1st:

I like the idea of having keys. But it's kind of hard when certain things, like gas, we budget for on every other Saturday and that money lasts the net two weeks. We don't necessarily budget per day, rather by per 2 weeks. However, I like the idea of no-spend days. Fewer trips to do any shopping means fewer chances at spending. So I will have this as my key:

NO spending at all!! (aside from gas)
Spending, but still within budget for that expense
Spending on unneeded item(s)
Overspent, or under budgeted for a necessary expense

So, for today, though it hasn't been spent yet:

We do need milk badly, so will be buying that. We are still a few bucks ahead for this week. Frankly, we've got $7 until this week's budget is blown. Two gallons will come in under that. What's left goes to our savings jar.
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Old 10-01-2009, 08:18 AM
 
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a. Who you are
Hey, I was here last month and stopped posting half way through. Not because I fell off the wagon but because Ive been sick. Im still not 100% but we have to be really careful this month.
b. Where you are going (your financial goals) and
We just purchased plane tickets back home for all of us. I leave in 11 days, DH is coming out for Christmas. This means that everything else is going to be tight. We still need to save to have traveling funds and money to get a few things back in the states.
c. How you plan to get there
We are spending very little on the vacation. We did budget to get two season passes to Disney since we will most likely go there daily while we are in Florida. Ends up being cheaper in the long run. Other than that the budget is tight.. We are really bad at eating out so Im trying to keep from eating out except during traveling (food doesn't travel well on international flights, Ive tried it).

Key
No Spend
Budgeted Spend
Unbudgeted but necessary spend
Unbudgeted/unnecessary spend.
No drive
Ate at home

Oct 1- 3000 plane tickets. Still need to buy the return flight for the girls and me but it worked out cheaper doing it two one ways.
Oct 2
Oct 3
Oct 4
Oct 5
Oct 6
Oct 7
Oct 8
Oct 9
Oct 10
Oct 11
Oct 12- Travel day!!!

0/20 No Spend Days
0/25 Eat at home days
0/10 No drive days
0.00 unnecessary spending

~Heather~ Mama to Miss E (1/07), Miss A (11/08), Mr.T (2/11) and Miss A (10/12) Expecting our newest blessing sometime late Sept/early Oct.. Wife to my Marine since 11/2005
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Old 10-01-2009, 08:59 AM
 
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BTW Crunchy VT Mom - did I mention how much I love your titles every month? I've been lurking several months already and your creativity rocks!
Yeah. I thought Prudence's title this month was particularly inspired.

A. I'm Jenny. SAHM to an almost 6 year old dd and an almost 6 month ds. These challenges have revolutionized my spending habits and I love them.

B. My current financial goals are to pay off my husband's lawn tractor and build our savings back up. Over $2,000 has gone missing from our savings in the last year due to my pregnancy, our car dying, etc.

C. My usual techniques. Stay out the stores whenever possible. Stay off tempting websites. Be happy with what I have. Do more. Meal plan.

Jenny, proud maker of red things
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Old 10-01-2009, 09:11 AM
 
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I was going to do something like this on my own but why not join . I love the "Under a Thousand A Month" Blog so DH and I are trying something similar. I'm recording it in my simplifying blog. I don't like posting numbers and whatnot but sufficent to say DH works less than 30 hours a week in retail, we don't have a lot of money.

My biggest goal is to stop the impulse spending. I have a favorite store I could go every day and come out with a cartload of stuff. I will start making lists. I am budgeting $300 for groceries; $50 a week and $100 for the month to replenish food storage. I went through the flyers for next week and there wasn't much, so I was able to budget in a meal out ($10 chicken dinner, whole chicken, taters, salad and a bag of cookies. I can't even buy a small chicken for $10 anymore.)

Oh yeah, I'm Carla, I've done these before, sometimes sucessful, sometimes not as much so but you lose if you don't try. I'm a SAHM/homeschooling mom to two (7yoDS and 5yoDD). DH works not very much, but we get by on what he does make.

Anyway. Yes, less spending, more saving! Here is to a tight wallet month!
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Old 10-01-2009, 09:50 AM
 
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Who I Am?
Amanda- SAHM- to a 5y.o., 2.5y.o. and one due next month!!

Financial Goals?
Save enough money these next few months to pay off the mw and the ob for this birth and end up with $1000 to start an IRA fund.

Strategy?
Try to focus on the positive and see this as a challenge and not deprivation. Enjoy the little things, focus on simple living and STAY OUT OF STORES!!!

For this month-
$300 for groceries- $100 going to a co-op order
$250 more to the mw
$300 for b-day and Christmas presents(spending $400 total) hope to get it almost all done and planned out before new baby comes)

Also, will be squeezing the budget everywhere else this month to get more for the co-op order as I plan to order about 6 months worth of many items so I will be well stocked- just because I like to be , to save money ordering in great quantity and to save shopping time after the baby is here! Luckily dh is getting a bit of overtime at work so that should help immensely!!

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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