~~September No-Spend Thread~~ We're in the HOME STRETCH....you can do it Mamas! - Mothering Forums

Forum Jump: 
Reply
 
Thread Tools
#1 of 413 Old 08-29-2010, 11:12 AM - Thread Starter
 
Crunchy*VT*Mom's Avatar
 
Join Date: Apr 2007
Location: Home of the Screaming Pennies
Posts: 2,964
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
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 September 1st. Now is a good time to start.

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.

 

 

Crunchy*VT*Mom is offline  
#2 of 413 Old 08-29-2010, 11:28 AM - Thread Starter
 
Crunchy*VT*Mom's Avatar
 
Join Date: Apr 2007
Location: Home of the Screaming Pennies
Posts: 2,964
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
I'm starting us early this month because I am ~~bound and determined~~ to keep track this month and to hold onto every last cent in our household.

a. Who you are: My name is Prudence. I am the Queen of Saving.

b. Where you are going (your financial goals): We have a second mortgage. It is large. But it is going to be PAID OFF by this time next year. In order to do that, I'm going to have to go hardcore. I need to stay out of the stores. I need to let my kids know this is going to be a lean year for them. I need to turn down the heat and start hanging laundry. We need to stop eating out and start cooking from home every ding-dang day. The people at Starbucks are no longer going to shout my name when I walk in the cafe. Because that loan is going to be paid off.

c. How you plan to get there:

1. Stay out of the Stores. SOS. Girls -- I love to shop. I'm not going to lie. I get TREMENDOUS PLEASURE from trolling the aisles and finding the perfect such-an-such to go with my whatever. I keep meticulous records (thanks to this thread) and I know that I spent $5,900 on clothing for myself last year.

Yes. You read that right. It is shocking for me to see it in black and white myself. So this next year, starting September 1st -- no more clothes for me. I bought enough last year to last me for a LOOOOOONG time, right? I need to learn to do other things with my time besides shopping. NO MORE RECREATIONAL SHOPPING.

2. Cook from Home Do you want to know the tally from last year for eating out? Okay...I do. ----> $1,289.73<---- Combine that with the clothing purchases and we could have paid off over HALF that mortgage last year. That is sobering for me. And the truth of the matter is I can only remember about three of those meals. Eating out needs to be a special treat for our family, not an every week thing.

3. Record my Spending Here. On this thread. Because keeping records and keeping track holds me accountable. Starting today this thread is going to see me every.single.day until that mortgage is paid off.

Please join me -- I need the moral support.

 

 

Crunchy*VT*Mom is offline  
#3 of 413 Old 08-29-2010, 01:29 PM
 
trumpcard's Avatar
 
Join Date: May 2004
Location: Home
Posts: 176
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
I am joining this thread finally. I have lurked for months and months and now I am taking the plunge.

A. Introduction
I am trumpcard a new SAHM to my beautiful baby girl. We relocated for a new job shortly after DDs birth and went from owning a 1000 square foot house in the Desert Southwest to owning a 2200 square foot house in the Midwest. We also gave up my income at the same time we gained a child. All sobering financial changes but I am the budgeter and I know we can afford it as long as I plan.

B. Goals
Get on a budget. We are still not sure of DHs take home pay from his new job. He doesn’t get his first paycheck until October 1 and is only paid once a month for 9 months. I can find out his take home pay sometime early in September to get us on a strict budget.
Change our lifestyle from the former DINK life we used to lead to a more conservative one as a young family with a big house and one income.

C. Getting There
Save the “extra” money we are keeping from a low tax rate until the end of this calendar year (our mortgage will go up after our house in reappraised in December to impact our January mortgage, right now we are saving approximately $400 a month from what it will be.)

Reign in the “new house” spending. We have a bit of profit from the sale of our old house that we did not roll into our new mortgage. It is what we have been living on for the past 3 months and I would like to leave the rest of it in the bank for a rainy day instead of picking up more clutter for our new, bigger home. (You know--new towels, lamps, frames, etc for the new house plus the temptation of new stuff for DD.)

Put DH on an allowance each week. (He is onboard with this thankfully!)

I still have a few planned expenses for the coming month but it is time to reign in the extra stuff. Hope to stay accountable through this thread.

M :, wife to P :, Proud new mama to N
trumpcard is offline  
#4 of 413 Old 08-29-2010, 01:40 PM
 
Jenn_M's Avatar
 
Join Date: Jun 2004
Location: Iowa
Posts: 539
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
I can't tell you how many of these challenges I've dropped out of but I'm ready to try again!!!

a. Who you are

I'm Jenn, I have 2 girls (ages 7 and 3) and am expecting baby #3 in early January. I WOH about 30 hours per week.

b. Where you are going (your financial goals)
We would just like to get ahead and have some breathing room. On paper it looks as if we should have money to spare but somehow we're always living paycheck to paycheck.

c. How you plan to get there
Stick to a grocery budget. Avoid unnecessary purchases. Use it up, make it do, or do without.

I'll be back when I decide what my actual goals are.. such as no spend days and the actual grocery budget.

Jenn: WOHM to a big girl (7/03), a medium girl (8/07), and a little girl (12/10)
Jenn_M is offline  
#5 of 413 Old 08-29-2010, 02:03 PM
 
Turquesa's Avatar
 
Join Date: May 2007
Posts: 4,073
Mentioned: 1 Post(s)
Tagged: 0 Thread(s)
Quoted: 34 Post(s)
Me:

Turquesa, 30-something SAHM to DD, age 3 and DS, age 1.


What I Want:


I'm a recent Dave Ramsey convert. We are proudly debt-free, except for our mortgage. Our two long-term goals are:

1. Save for emergency fund, 6 mo. worth of DH's salary.
2. Pay off mortgage in 5 years

How I'll Get There:

1. Record spending religiously....here, of course.
2. Two no-drive days per week.
3. Join the Pantry Challenge
4. Read and incorporate advice from The Tightwad Gazette.
5. Limit grocery bill to $135 while working hard to lower that amount.

Good luck, Mamas! I love you for all of your support.

In God we trust; all others must show data. selectivevax.gifsurf.gifteapot2.GIFintactivist.gif
Turquesa is offline  
#6 of 413 Old 08-29-2010, 02:20 PM
 
siennaflower's Avatar
 
Join Date: Aug 2004
Location: Hogsmeade
Posts: 2,181
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Joining in this month!

a. Who you are

My name is Danielle, I'm a SAHM to 7yo dd1 and 9mo dd2. Dh is in the Navy and we were relocated to VA last year after spending 5 years in a very low COL area. It's been a culture and sticker shock experience, to be sure. We have three more years before dh retires and we need to get all our debt paid off, plus I need to go back to school sometime in the next year.

b. Where you are going (your financial goals)

Right now our main goal is to pay down debt. We started out with four credit cards and are now down to two. They're whoppers though and will take probably two years to pay down completely.

c. How you plan to get there

We're following Dave Ramsey's snowball plan. This month will be our first month really following a strict budget. Which means...

1. Eating at home and following a meal plan. Yes, that's right, no more blowing off meal preps and going out for Chinese. Every night. I'm really, really bad about cooking. I like to do it but hate to clean up. Yep, I'm lazy. This will probably be the hardest step for me.

2. Staying out of Target except for essentials. I like their store brand items or else I'd stay away completely.

3. Weekly grocery shopping at the commissary. I hate going there but it is cheaper. I will be supplementing with a few store brand canned goods.

4. Using cash envelopes and paying with cash. Except for gas, which will be budgeted for the debit card. I'm not waking up a sleeping baby to take her into the cashier to pay for gas .

We do have some car maintenance coming up and dd1 needs shoes for school this month. Apart from that though we are sticking.to.the.budget. And not a penny more
siennaflower is online now  
#7 of 413 Old 08-29-2010, 05:35 PM
 
vannienicole's Avatar
 
Join Date: Nov 2006
Posts: 1,075
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
a. Who you are

I'm Vannie. Single, student mama to 2 littles. I work part time as a lab tech in a geology lab and will start substitute teaching here in a week or so. I am going through the final (FINAL!) stages of a divorce that has dragged on since Jan 1. We've been separated since Jan. 1 of 2009, so I've been doing this on my own for a while. I am broke broke broke after all this litigation and am now trying to get my feet back on the ground.

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

I need emergency savings and to pay off a bit of debt. I have $1182.92 in regular debt to pay off and about $1200 in legal fees. I just want them all paid off. I have no CC debt and no open cards (they closed them). Right now, I just want to get caught up on bills, however and put a little money aside.

c. How you plan to get there

Just simply spend no money. No eating out, which i mainly do already. I will be blogging a bit about this as well.
vannienicole is offline  
#8 of 413 Old 08-29-2010, 09:04 PM
 
pbjmama's Avatar
 
Join Date: Sep 2007
Posts: 3,212
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
I'm back! After several months off I need to get back on the wagon.

a. I'm PBJ, sahm, wife, etc.

b. September is a 3 paycheck month for us. Every year I intent to do specific things with the 'extra' paycheck. But then it vanishes. Hmmm? I'm joining this month to make sure that money doesn't just vanish. I need to plan where the money will go.

c. Simplify. Only buy what we need. I'm going to do a pantry challenge, clean out my closet and consign some old clothes, do a childrens consignment sale and donate some items to a garage sale. Oh, and file our FSA receipts. I have a big problem with buying clothes/stuff for my kids. I need to take inventory but I think they have all they need for fall. DD may need a pair of warm shoes/boots. Other than that, no buying clothes for kids this month!

I think maybe I will go to cash only for purchases beyond gas/groceries.

Quote:
Originally Posted by Crunchy*VT*Mom View Post
1. Stay out of the Stores. SOS. Girls -- I love to shop. I'm not going to lie. I get TREMENDOUS PLEASURE from trolling the aisles and finding the perfect such-an-such to go with my whatever. I keep meticulous records (thanks to this thread) and I know that I spent $5,900 on clothing for myself last year.
I can SO relate to this! Especially finding the perfect such-and-such to go with my whatever! Yikes. Its like you are in my brain!
pbjmama is offline  
#9 of 413 Old 08-30-2010, 01:32 AM
 
mamamoon89's Avatar
 
Join Date: Aug 2009
Posts: 81
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
a. Who you are
I am a student mom, I'll be finishing undergraduate school in June. I live with my partner and 2 year old. My family helps me out financially because it is too hard to go to school full-time and work, and too expensive to finish my degree going to school part-time.

b. Where you are going (your financial goals)?
I don't have any debt or mortgage, but I do want to reduce my spending as much as possible: since I'm not working anymore, I am going to burn through my savings paying for daycare for the next nine months unless I reduce my budget. I have already stopped buying things like clothes that I don't need (I didn't spend much on that area in the first place. I want to spend less on grabbing take out, buying snacks when I'm out, etc (my "eating out spending" is usually about $60-80 a month).

c. How you plan to get there
Spend more when I buy groceries will save me money later: for a long time, I've been obsessed with doing EVERYTHING from scratch, it's cheaper, better for you, reduces packaging so better for the environment. This is great and most of the time works out very well, but there is always a couple of times a week where I am tired, already really hungry, not feeling great, cranky, etc and spend 15 bucks ordering pizza or sub sandwiches. If I stock up on canned soup, premade veggie burgers, boxes of mac&shreese, I am saving money even though they are relatively expensive. Any one of those things costs $2-5/for the three of us to eat, which is pricier than if I made it from scratch, but cheaper than $15 for takeout.
Eat more vegetables. I already paid for my CSA, so I am getting them whether I eat them or not.
Taking the bus more instead of driving and wasting gas.
Stop going to the cloth diaper store to "look around" and then come out have spend $18 on some fancy new diaper wrap I can't afford.
mamamoon89 is offline  
#10 of 413 Old 08-30-2010, 12:23 PM
 
kathirynne's Avatar
 
Join Date: Dec 2004
Location: Courageously slaying my own dragons
Posts: 1,574
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 1 Post(s)
a. Who you are

I am Kathirynne, WOHM to 5 great children - 4 of whom I birthed, and the 5th of whom just recently joined our little tribe.

b. Where you are going (your financial goals)

I need to get back on track with my finances, pay for the many upcoming birthdays and holidays and save a cushion for emergencies.

c. How you plan to get there
I will make this happen by sticking religiously to my budget. It works on paper, I just have to work it in real life. Posting to this thread every day will help to keep me accountable.

Goals:

*stick to the grocery budget - this mostly means planning meals and adhering to the meal plan, NOT eating out or ordering in

*use the envelope system for "non-food" items (hygeine supplies, cleaning supplies, et cetera)...when the envelope is empty, that's it for the month

*reduce the bills that are not "fixed" - water and power are the biggest targets; I think my phone bill (LANline) is probably just about as low as it can possibly be (local phone service only...no long-distance or other features)

My key:

budgeted spending
under budget
true no-spend day
over budget
unexpected spending
ooops! I fell off the wagon...



1 September
Rent: $950


Monthly shop at Target: $40
*2 pencil sharpeners
*2 scissors
*birthday gift for my daughter (the world's CUTEST piggy bank....for $10!)
*bag of 100 cotton balls
*2 bottles shampoo
*2 bottles cream rinse
*2 cans shave gel
*2 tubes toothpaste
*1 stick deoderant
*2 string cheeses (for my daughter's school snack)

Snacks for Shakespeare in the park: $8 (normally, I bring treats from home, but I didn't get it together this time)

T-shirt for my (very persuasive) daughter at Shakespeare in the Park: $15

2 September
Power bill: $363.17
I am REALLLLLLLY working on reducing this to $150 for next month.

3 September
groceries: $24.46
*2 Odwalla smoothies (breakfast on the run for my daughter and me)
*1 HUGE muffin (school snack for my daughter)
(Actually, I'm feeling torn about these - on the one hand, I could MAKE both of these items at home, probably for less than I paid this morning. On the other hand, I am still well within my grocery budget for the week, we were in a real rush this morning, and it's better than McDonalds - or no breakfast at all.....Maybe I need to streamline the morning schedule to give her more time to eat breakfast at home?)
*oatcakes (for my desk at work)
*soup (for my lunch today)
*wasabi powder (because we're making sushi this week end)


ETA: I feel a little less guilty about my "questionable breakfast purchases" this morning, because I found a brand new, still-in-the-wrapper lampshade near the dumpster at my office this afternoon....now I don't have to buy one to replace the broken one on my front room lamp...so, it sort of evens out, maybe??

4 September
GROCERIES! (for the whole month, tyvm): $452

5 September

6 September
school supplies: $9.60

7 September

8 September

9 September

10 September

11 September

12 September

13 September

14 September

15 September

16 September (I'll spare you the gorey details.....)

17 September
school snacks for my daughter for next week $9.95

Tallies:
*groceries (food): $485/$475
*non-food: $49.60/$50
*out-of-budget spending: $132/$0

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

 

kathirynne is offline  
#11 of 413 Old 08-30-2010, 02:13 PM
 
APBTlover's Avatar
 
Join Date: Dec 2007
Location: Southern US
Posts: 754
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Hi! I did one of these a couple of years ago... I'm long overdue for another try!

a. Who you are
I'm a SAHW expecting our first baby in early October!

b. Where you are going (your financial goals)
Right now, DH has a truly awful commute 5 days a week. He's really looking to find something closer to home, even if it's not as secure and/or doesn't pay as well. So the most urgent goal is getting our savings pumped back up (since we've paid out of pocket for our midwife) so that our minds can be at ease if he decides to jump ship at the end of the year.

c. How you plan to get there
I know there's very little that I actually need, so why all the spending? I've got to start sticking with the budget, but the BIGGEST thing is food. DH hates going out or getting take out, and I honestly don't even enjoy it except for once a week or so when we go to one of our favorite restaurants, so how/why are we racking up all of these restaurant bills? It's nuts. Meal planning is my new best friend.

treehugger.gif SAHM with a precious toddler and the love of my life, expecting a new little one July 2014!
APBTlover is offline  
#12 of 413 Old 08-30-2010, 02:45 PM - Thread Starter
 
Crunchy*VT*Mom's Avatar
 
Join Date: Apr 2007
Location: Home of the Screaming Pennies
Posts: 2,964
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by trumpcard View Post
He doesn’t get his first paycheck until October 1 and is only paid once a month for 9 months. Change our lifestyle from the former DINK life we used to lead to a more conservative one as a young family with a big house and one income.
Welcome trumpcard! My husband gets paid on a 9 month calendar as well. He's a teacher. That 9 month thing is actually a blessing for us because it means I have to budget ~carefully~ every year to get us through those 3 dry months. What does DINK mean?

Quote:
Originally Posted by Jenn_M View Post
I can't tell you how many of these challenges I've dropped out of but I'm ready to try again!!!
Haha! Me too, Jenn! Good to "see" you again...good luck this time!

Turquesa -- You are a regular, thanks to sticking with us! And being an inspiration with your debt-freeness. I'm re-reading the Tightwad Gazette too because she inspires me.

Welcome Danielle and Vannie!


Quote:
Originally Posted by pbjmama View Post
I'm back! After several months off I need to get back on the wagon.

c. Simplify. Only buy what we need. I'm going to do a pantry challenge, clean out my closet and consign some old clothes, do a childrens consignment sale and donate some items to a garage sale. Oh, and file our FSA receipts. I have a big problem with buying clothes/stuff for my kids. I need to take inventory but I think they have all they need for fall. DD may need a pair of warm shoes/boots. Other than that, no buying clothes for kids this month!
Hi there PBJ! Yes, me too. I've been keeping up the thread, but not really ~following~ it, you know what I mean? I've been off the wagon and just watching everyone else ride by me.

I had an eye-opening kids-inventory moment last week. My oldest daughter wanted some Keen slip-on shoes for the winter because here in Vermont they wear snow boots to school but then need warm slip on shoes for their classroom work. Well, I found some online at Sierra Trading Post and they were a good price (around $20 which is fantastic for Keens) so I bought them. Then I thought...hmmm...those look familiar. Did a shoe inventory the next day. We have over ~~~60~~~ pairs of little girl shoes. Granted I have three girls and they all share shoes, but seriously? 60? And as you can imagine where this is going -- we already OWNED that exact pair of Keen slip on shoes IN MY DAUGHTER'S SIZE. How sobering is that?

If I spent more time organizing my life and less time doing on-line shopping, things like this wouldn't happen.

Quote:
Originally Posted by mamamoon89 View Post
my "eating out spending" is usually about $60-80 a month

Taking the bus more instead of driving and wasting gas.

Stop going to the cloth diaper store to "look around" and then come out have spend $18 on some fancy new diaper wrap I can't afford.
Welcome Mamamoon! We can help you with the eating out. Just be sure and come on here and "fess up" when you do spend that money (because you will...no spend is a learning process) don't give up just because you eat out a few times...climb back on that wagon and keep going.

You could also make some goals for yourself very specific like: take the bus X times this month. Or stay out of the diaper store 20 days out of 30 days (or whatever is reasonable for you)

Welcome back Kathirynne! You are a regular.


Quote:
Originally Posted by APBTlover View Post
Hi! I did one of these a couple of years ago... I'm long overdue for another try!

but the BIGGEST thing is food. DH hates going out or getting take out, and I honestly don't even enjoy it except for once a week or so when we go to one of our favorite restaurants, so how/why are we racking up all of these restaurant bills? It's nuts. Meal planning is my new best friend.
Welcome back APBTlover! Me too with the meal-planning. I just ordered that book Feeding Your Family for $75 a Week from the meal-planning thread because I am NOT eating out anymore just for convenience.

 

 

Crunchy*VT*Mom is offline  
#13 of 413 Old 08-30-2010, 02:48 PM - Thread Starter
 
Crunchy*VT*Mom's Avatar
 
Join Date: Apr 2007
Location: Home of the Screaming Pennies
Posts: 2,964
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Getting set up for the September 1st launch:

01..
02..
03..
04..
05..
06..
07..
08..
09..
10..
11..
12..
13..
14..
15..

My goals:

0/20 No Spend Days
0/10 Let the Car Rest Days
0/20 Stay Out of the Stores SOS (this includes on-line shopping)

 

 

Crunchy*VT*Mom is offline  
#14 of 413 Old 08-30-2010, 03:19 PM
 
ltlmrs's Avatar
 
Join Date: Dec 2009
Posts: 297
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
I fell off the bandwagon in July because we went on an unexpected almost free vacation. But, I have to get myself back on track..

a. Who you are: I'm a PT WOHM to a 2 yo.

b. Where you are going:
- Get and stay out of debt
- Move towards being a SAHM full time
- Have lots more children
- Buy a house with some land

These aren't in any particular order, but those are our basic financial goals and the things I have to remind myself of every time I'm faced with a decision to spend money. It's hard though.

c. How you plan to get there:
- Stick to the budget no matter what. I'm the budget breaker. We always have this lovely budget, but then I overspend on groceries or go to the thrift store or something.
- Be honest with DH about money. I'm terrible about buying things out of the budget and not telling him. Nothing major, but things add up.
- Start making Christmas presents. Last Christmas I ended up buying a bunch of stuff because of poor planning. I need to figure out what I'm going to make and make it!
- Meal plan. I cook mostly at home, but I tend to like to do things on the spur of the moment. That leads to rushing to the grocery store at the last minute to get something I don't have on hand or worse: pizza. And the sad thing is that I usually have homemade pizza dough and sauce in the freezer, if only I had though ahead enough to defrost them when we feel like eating pizza I'm thinking of at least doing a more general nightly theme type plan.
- I completely stopped exploring WAH opportunities in August. I need to get back to writing my blog and apply for some online jobs. The quicker we can add to the debt snowball, the better!!!
- Walk more. Get to bed on time and wake up early (I've actually found that when I'm more rested I end up spending less money, go figure). Read/study more (there are so many things I could be doing other than spending money!!!)
- Keep track of my spending via Quicken. I've had the program for years, before we married even, and have tried using it from time to time. I must stick with it!

Key:
No spend
Budgeted spend
Cooked without an unplanned run to the grocery
Unplanned spending The goal is to have 0 of these by the end of the month.
Worked on blog or online job stuff
All chores done for the day, esp the dishes
Worked on a crafty project
Early to bed, early to rise
Walked instead of driving and/or exercised
ltlmrs is offline  
#15 of 413 Old 08-30-2010, 06:19 PM
 
Pumpkin_Pie's Avatar
 
Join Date: Oct 2006
Location: Vermont
Posts: 4,689
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
a. Who you are Hi there, my name is Kim and I am so determined to get my spending under control. I have attempted these threads so many times in the past and always fall off the wagon. I am currently unemployed (actually still do work about 3-4 hours per week at my church), so things are pretty lean. I am crossing my fingers that I find a job, or unemployment comes through. I have been three weeks without a paycheck and am seriously pinching pennies until they scream. I completely splurged and and spent $12 at our local fair, but that is the end of spending until after I start having some sort of income. I love thrift store shopping, but my son has waaaaaayyyyy more clothes than three kids need, and I am doing just fine for the most part. I just need to stay home more so I don't have the temptation to go into stores, and I also need to find a way to budget for trips to the thrift stores rather than just stopping every time I pass by one.

b. Where you are going (your financial goals) and
I want to build up a $1000 emergency fund ASAP then I want to make sure I have a fun-money budget that I DON'T GO OVER. Small goals, but that is where I am at. If I can make these happen over the next two to three months, I will feel pretty successful.


c. How you plan to get there
I plan to first of all find a job that works for my schedule and DS's preschool schedule. I will not compromise on a job that makes me crazy, but I am going to work my butt off to find something what will work. I am also going to come on here every day to report my spending. I am also thinking of starting an actual physical envelope system. I just need to find a system that works for me, and this is next on my list of things to try.

Here we go!

September No-Spend:
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.


Goals:
20/30 no spend days
10/30 stay home days
Use up 30 cans of food from basement stash (lots of things down there that I can eat but don't *want* to eat necessarily.
create and start using an envelope system
30/30 not use the dryer (actually haven't used it at all in over a month already
30/30 not use the a/c (my apartment is obscenely hot upstairs)

Formerly single Mama to the zaniest boy on the block, born on my birthday on 3/28/07. Soon to be Mama to a new little and can't wait to bfinfant.gif and femalesling.GIF and familybed1.gif again! 
Pumpkin_Pie is offline  
#16 of 413 Old 08-30-2010, 06:40 PM
 
nadia105's Avatar
 
Join Date: Jul 2003
Posts: 1,486
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Me!

A. Who you are
I'm nadia, mama to 3, 4 in april. I'm working between full and part time as a baker right now, but don't want to after the babe is here.

B. Where are you going?
We need to pay off some cc debt (which we have NEVER had before) that snuck up on us when we bought our new house in April. SO many unexpected expenses came up and we need to pay it OFF!

C. How will you get there?
Budgeting (I am good at this) and sticking to it (I am REALLY bad at this). I just added up eating out expenses from last month and we spent $586 on eating out! Eye opening for sure. And not very justifiable when we get a huge veggie box from our CSA every week. I am pg and have a hard time finding things I want to eat, so some eating out is going to happen, but nowhere near that much!

Goals:
$250 or less eating out
$250 or less Target/household
$600 groceries

I'm sure I will think of more, but I need to start kind of small or I will throw in the towel

Baking mama to dd (7.5), ds (6), ds (3.5) and someone new in April
nadia105 is offline  
#17 of 413 Old 08-30-2010, 07:42 PM
 
MrsMike's Avatar
 
Join Date: Aug 2006
Posts: 1,920
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
a. Who you are Jenn, mama to 4 yo DS. I'm trying this out again. I tried at some point last year and failed. I really need to get us back on track. I had a miscarriage in April and have been very depressed. As a result, I let my house go to crap and I have barely cooked meal since then. I've probably cooked a total of 10 meals since April. Dh cooks on Tuesday nights because I work, but that's it. I used to pack all of DH's lunches, but we've resorted to getting take out (we meet him for lunch everyday). I don't make breakfast. I rely on yogurts, oatmeal and cereal. I have wasted a ton of food in the past few months. Veggies and fruits end up rotting and getting tossed. It's very shameful because I am soooooooo against that. It's hurting us financially and it's hurting our health. In addition, I tend to shop more when I'm depressed so I've bought tons of crap that we do.not.need.


b. Where you are going (your financial goals)
I just want to get my spending under control and save money. My savings is pretty much nil and I want to get that built up ASAP.


c. How you plan to get there
Eat out less and cook way more. I plan to control my spending and not buy useless junk. I also plan to use my debit card less and stick to using cash for most things.

Jenn treehugger.gifmama to Monkeylearning.gifSquishyenergy.gif& Riverangel1.gif(8wks)Wife to Mikejog.gif See you at the rainbow1284.gif Bridge, Abigael cat.gifand McKenna dog2.gifgd.gifnamaste.giffamilybed2.gifbellyhair.gifcaffix.gifcrochetsmilie.gifom.gifknit.gifcomputergeek2.gif

MrsMike is offline  
#18 of 413 Old 08-30-2010, 07:54 PM
 
spatulagirl's Avatar
 
Join Date: Feb 2002
Location: Harpers Ferry, WV
Posts: 4,739
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
a. Who you are

My name is Kate. I am a SAHM/homeschooling mom to three kids, expecting #4 end of February.


b. Where you are going (your financial goals)
I plan on saving $1000 this month to go into saving, as well as make a $3000 payment on the credit card.


c. How you plan to get there
I am going to do this by following the budget and keeping track of it here and on Pear Budgeting. I am going to try harder to find used clothes for my kids and stay away from Gymboree which is my downfall. Gas is something I cannot cut my budget for as my kids have either baseball, speech therapy or homeschool co-op. The only way to stay home is to cancel appointments.

I will not be eating out at all except for one meal when DH and I do a date night. DS is going on an elimination diet on Wednesday so we can't eat out anyway. I will need to be more organized. I also want to do more knitting, homeschooling and decluttering to keep me busy. Also more park dates with friends that are fun and free.

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

Ok, I am aiming for 15 no spend days. Baby steps.

September No-Spend

1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.

Mom to 4! Welcomed Aila Wren on Friday, February 25th!
spatulagirl is offline  
#19 of 413 Old 08-30-2010, 08:22 PM
 
nadia105's Avatar
 
Join Date: Jul 2003
Posts: 1,486
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
I just did the math and our daily average was almost $20 per day eating out -- holy crap!

I also happened to look at the cc statement and saw that we have paid almost $500 in interest charges this year! In the past, we never carried a balance, this is not good. I did see that I could take some $$ from our 'sinking fund' type account, so that brought the balance down 18%. Here's tp knocking off the final 82%. It's not possible in one month for us, but I can get a *very* good start.

Baking mama to dd (7.5), ds (6), ds (3.5) and someone new in April
nadia105 is offline  
#20 of 413 Old 08-30-2010, 10:46 PM
 
ltlmrs's Avatar
 
Join Date: Dec 2009
Posts: 297
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Setting this up now because I'm starting the month a day early since tomorrow is grocery day for me and it's on this month's budget.

Key:
No spend
Budgeted spend
Cooked without an unplanned run to the grocery
Unplanned spending The goal is to have 0 of these by the end of the month.
Worked on blog or online job stuff
All chores done for the day, esp the dishes
Worked on a crafty project
Early to bed, early to rise
Walked instead of driving and/or exercised


September Budget & Goals:
$0/$350 food
0 eating out days!
$0/$60 miscellaneous expenses (of which $30 will be haircuts for me and DH; I'll probably need to get some fall shoes for me and I'm sure something else necessary will come up)
$0/$300 gas (DH drives a lot for work and my car is a gas guzzler ; anything not used at the end of the month goes in the car maintenance fund)
ltlmrs is offline  
#21 of 413 Old 08-30-2010, 11:09 PM
 
major_mama11's Avatar
 
Join Date: Apr 2008
Posts: 1,165
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
a. Who you are- Kirstin, mom to two. I WOH PT and we are just getting started with homeschooling.

b. Where you are going (your financial goals)- We want to get debt free so that we can afford to have me go back to working per diem (ie mostly SAHM) within the next year or so, and so we can maybe afford to have another child at some point without going totally broke! We would also like to be foster parents eventually, but we want to be financially stable before we do this.

c. How you plan to get there- Short term- coupon, meal plan, be creative, buy used etc, and pay double payments on car loan in order to get it paid off in ~14 mos. Long term- continue being frugal in order to pay off this house early, and sell the other house which is nothing but debt weight around our necks at this point (we are currently renting it for less than what it costs us).

Yay! I'm so excited to finally be PT at work again, bc this means that I finally have the time/energy to cut coupons, hang laundry etc! I was FT for most of the summer and the extra $ injection was nice, but it seriously was costing us a lot of money due to my being too tired to put out the extra energy that frugality seems to take!

Goals:

Groceries $147 / $500
Gasoline 0 / $120
My fun money 0 / $40
Kid clothing 0 / $40
Homeschool 0 / $10 (lots of free fall activities!!)
Gifts 0 / $20 (1-2 bday gifts this month)
Money paid to car loan!! 0 / $500
No spend days 0 / 20
Hang laundry out 1 / 10
Unplanned spend
: Exercise 0 / 10

8/30 - $147 groceries

“War is peace.
Freedom is slavery.
Ignorance is strength.”
― George Orwell, 1984
major_mama11 is offline  
#22 of 413 Old 08-30-2010, 11:24 PM
 
trumpcard's Avatar
 
Join Date: May 2004
Location: Home
Posts: 176
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Checking in although I am still working on my goals for the month.

I want to set a goal of two meals out this month but also want to be realistic. Dh and I downsized to one reliable car with our move and so my hope is to do all my errands once a week. This will eliminate my impulse shopping and give me time to do some serious meal planning with the grocery store flyer. I'm just not sure what a realistic food budget will be for us. We did a lot of eating out prior to having a baby and I never really had the time or need to shop the sales. Any suggestions for meal budgeting for a family of two plus a nursing infant?

Quote:
Originally Posted by Crunchy*VT*Mom View Post
What does DINK mean?
DINK stands for "dual income, no kids." That was our life up until May so we have to make some serious adjustments to our lifestyle now that we are on a solo income with a child.

I'm pleased to read everyone's goals and be inspired.

M :, wife to P :, Proud new mama to N
trumpcard is offline  
#23 of 413 Old 08-30-2010, 11:56 PM
 
SuzyLee's Avatar
 
Join Date: Jan 2008
Posts: 1,562
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
a. Who you are: New SAHM to 2 little ones. Our health insurance is now over 1000$ a month on DH's plan (instead of under 200 when I worked) plus of course we lost my income.

b. Where you are going (your financial goals) We have a good nest egg but it is going to be a massive challenge to stay in the budget and not spend it down. For now I am focusing on that, rather than trying to find PT work increase our income a little.

c. How you plan to get there: I overspend on groceries and household stuff typically. Mostly treats at the grocery store (that I could make myself instead) and who knows what for the household stuff.

Planned spending: I am going to be buying a big rubbermaid tub in the next few days. And we are going camping over Labor day which will involve spending some money. And I am taking the car into the shop tomorrow. But DS's b-day gifts have already been purchased. Woot!

Goals: don't buy anything else for DS's bday.
2 grocery trips with NO treats.
1 meal a week that uses up the pantry.
Stay in household and Grocery budget. (50$ and 400$).

Suzan, mama to DS 9-18-07 and #2 EDD 3/4/10 GIRL!.
SuzyLee is offline  
#24 of 413 Old 08-31-2010, 01:44 AM
 
pitter_patter's Avatar
 
Join Date: Jan 2007
Location: Merced, CA
Posts: 352
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
a. Who you are I'm Sarah, a SAHM to four year old twins.

b. Where you are going (your financial goals)
My world was rocked almost two weeks ago when I found out my husband hadn't paid the mortgage in six months and was overdrafting our checking account and going to payday advance places to try to cover his tracks. I have taken over the finances and we had to declare Chapter 13 bankruptcy in order to stop the auction of our home. SO, needless to say we are on a very strict budget while we try to recover from this. We'll have to make our first payment to the trustee in late September, plus we'll have some costs associated with making the trip to court, getting a sitter for the kids during court, and DH's counseling. I haven't made any decisions yet about the future of my marriage, I'm trying to recover from the shock and stabilize our lives for the sake of my kids.


c. How you plan to get there
--I already cut our cable/phone/internet down to save about $80, I'm shopping for better car insurance quotes, and I've sold some things on craigslist to have some cash on hand.
--I'll be doing one huge shopping trip at the cheapest store around, then one trip a week for perishables like milk, and buy my produce at the local farmer's market rather than the CSA we've had for the past few years.
--No more trips to Starbucks, lunches out, etc.
--No buying things we don't absolutely NEED, seems like a no-brainer but is hard for me.

SAHM to twin kindergarteners

pitter_patter is offline  
#25 of 413 Old 08-31-2010, 03:16 AM
 
nina_yyc's Avatar
 
Join Date: Nov 2006
Location: Calgary, Canada
Posts: 2,025
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
In. Back later to post.
nina_yyc is offline  
#26 of 413 Old 08-31-2010, 09:28 AM
 
VisionaryMom's Avatar
 
Join Date: Feb 2007
Posts: 3,851
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
a. Me: I'm VM, mom to DD3 and DS5, wife, copywriter, homeschooler

b. Where I'm Going: We want to move in 2 years to our dream location. To do that, we need to pay off some bills - one large loan, one small loan, medical bills. We are drowning in medical debt right now, and we're slowly plugging away at it. More will be forthcoming as DD is due for surgery this month, and I have a slew more tests coming up, a couple of procedures, maybe some treatment.

DH has an excellent salary. We'd like for me to pursue a career change to project management. That won't happen if I'm working at the rate I have been. I need to prep for certification and do other things. We'd hoped I could stop copywriting and focus on PM work exclusively, but the medical bills are killing us! Technically DH makes enough to cover them, but we just haven't been good enough at sticking to our budget.

c. Goals -

1. Eating Out - I want to do a "mostly" no eating out this month. Nadia, we are closer to your figures for eating out than many I see here. We will be going to lunch with DH on Fridays. That was a deal we made before we started homeschooling, but I do want to do that as cheaply as possible. Other than that, I'd like a no eating out month. We did it in January, and it saved us tons of money.

2. Plan Ahead - I have an endometrial biopsy on the 15th, which I've heard is painful and can cause severe cramping and bleeding. I need to plan the meals for the 15th and 16th since I don't think I'll feel like doing anything those days. I also need to get the kids' homeschool work prepped and get a couple of mom-free art projects set up. Otherwise, I'm sure we'll spend on entertainment.

3. Emergency Fund - I want to put $700 into the emergency fund this month.

4. Bills - I'd like to set up a schedule for medical bills, contact everyone about arrangements (hate doing this!), and fill out the deferment forms for my student loans. I'd also like to wipe out at least 2 of the medical bills.

5. No Spend Days - Yeah, I suck at these. I tend to spend little bits here and there. Let's be reasonable and say 10 no spend days for the first month.

Key -
- No Spend Day
- Planned Spending
- Worked on a Goal

No Spend Days - 0/10

It's us: DH , DS ; DD ; and me . Also there's the . And the 3 . I . Oh, and .
VisionaryMom is offline  
#27 of 413 Old 08-31-2010, 12:11 PM
 
applecider's Avatar
 
Join Date: Jul 2005
Posts: 2,007
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
I don't think I've ever finished one of these no-spend months! I want to but then the day to day starts happening and I completely lose focus. But here's to trying again!

Today we are going to the fair so all bets are off, but I am planning on bringing our own food and maybe just buying a couple of things for snacks. Mostly for the health of it. Plus it's still August so it doesn't count!

Oh, I'm Sara, DP Adam. Kids Cody 5 and Ethan 20mo. I sahm and Adam works, lately out of town every week so he is gone during the week. He gets money for food so that saves some, but he is making really good $$ at this job and it is only going to last for a little bit. So I'm trying to save all that extra. The only real debt we have is DPs motorcycle and our mortgage. We haven't decided if we're going to sell the bike yet or not but he does agree that we shouldn't have purchased it in the first place.

Goals: I want to go back to a cash system for the month and really try to stick to it. Only for groceries and fun money. I just really want to see if we can do it. Food out is limited now due to dietary restrictions so we should be able to curb that.

Here we go!

                                       DS 7 ~ DS 3

applecider is offline  
#28 of 413 Old 08-31-2010, 03:06 PM - Thread Starter
 
Crunchy*VT*Mom's Avatar
 
Join Date: Apr 2007
Location: Home of the Screaming Pennies
Posts: 2,964
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by ltlmrs View Post
Last Christmas I ended up buying a bunch of stuff because of poor planning. I need to figure out what I'm going to make and make it!

- Get to bed on time and wake up early (I've actually found that when I'm more rested I end up spending less money, go figure). Read/study more (there are so many things I could be doing other than spending money!!!)
I need to reign in the Christmas spirit myself. I tend to buy a bunch of stuff at the last minute because I'm worried the day won't be "special" enough for my children. I need to focus on the things we DO during the holiday, not just the present opening on Christmas morning. I really would like to pare that back. What things are you planning to make?

re: being rested. I spend money when I'm cranky and tired too. I hadn't realized it until you wrote it, but I think you are onto something.

Quote:
Originally Posted by Pumpkin_Pie View Post
I have attempted these threads so many times in the past and always fall off the wagon.

30/30 not use the a/c (my apartment is obscenely hot upstairs)
I think of you as highly motivated, Kim. The fact that you keep getting back ON the wagon is a sign of that. We all fall off. Regularly. It is part of the process. You get an A+ for keeping such a good attitude in a difficult situation.

re: a/c...maybe you should make that 25/30 days because it is goign to be CRAZINESS hot these next few days...then September will kick in. 5 more days of coolness won't change your bill that much, but it will save your sanity.


Quote:
Originally Posted by nadia105 View Post
I'm sure I will think of more, but I need to start kind of small or I will throw in the towel
ALWAYS a good plan!

Quote:
Originally Posted by MrsMike View Post
I really need to get us back on track. I had a miscarriage in April and have been very depressed. As a result, I let my house go to crap and I have barely cooked meal since then.
Jenn -- {hug} I'm sorry to hear that.

Quote:
Originally Posted by spatulagirl View Post
I will need to be more organized. I also want to do more knitting, homeschooling and decluttering to keep me busy. Also more park dates with friends that are fun and free.
Decluttering. That is one of my goals too. I want to use some of my newly found shopping-free time to put a hand on everything in this house and truly decide if we need to keep it. I want some SPACE.

 

 

Crunchy*VT*Mom is offline  
#29 of 413 Old 08-31-2010, 03:23 PM
 
JudiAU's Avatar
 
Join Date: Jun 2008
Location: Where creepy facebook-featured threads can't find me
Posts: 3,617
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 4 Post(s)
Hi, I am JudiAU. I am married to DH (full time student), I work full time, we have 3y DS and a 1y DD.

I am disgruntled with a lot of things in my life. I have no idea what I am spending my money on other than that I know that I spend a lot frivolously. I don’t know what my budget is. I am joining this month so that I pay attention to my spending and think about my expenses. I think my weaknesses are unnecessary food shopping, expensive high quality take out when I am tired, books and toys for DS, and fancy clothes and diapers for the baby but I am not even sure. I also want to consume less generally, from a green perspective. I want to focus more on my kids and making some beautiful things with them. I want to focus on how many wonderful things are in my life every day instead of dwelling and gritting my teeth over what I don’t have. It is all very muddled and I think the key in part is better understanding our finances. I’d like to focus some of my “consuming” energy on not consuming. I’d like to not spend $100 at the farmer’s market and an additional $75 at Whole Foods AND an additional $50 at Trader Joes on Sunday and then have no idea what to eat on Tuesday. Or at least know why. Also, we have too much waste from food/energy/packagin, etc. I need less waste.

I was very poor in college. I paid my own tuition, paid my own living expenses, and paid off my tremendous debt when I graduated. I’ve been self sufficient for a long time. But I got to used to a certain way of living that we can’t afford anymore. I need to use some of those long forgotten skills to get my spending under control.

Long term goals: live in a house with a backyard, rented or purchased; have another child; become a SAHM for five years, or at least work far less
Short term: bring my lunch to work at least three times a week (14 times in September); I would like to exhibit enough discipline this month to purchase no toys or books or clothes, other than some known clothing issues. The clothing I need to buy needs to be inexpensive and not from the I-Know-What-Brand; make a delicious meal out of our very well stocked freezer at least twice a week (9 times in September); eat a vegetarian dinner twice a week (9 times in September); choose to enjoy an upcoming frugal vacation without a shopping spree in advance;

How to get there, I have no idea? But knowledge = power, right?
JudiAU is offline  
#30 of 413 Old 08-31-2010, 04:32 PM
 
goldingoddess's Avatar
 
Join Date: Jan 2008
Posts: 907
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
a. Who you are

Hi I'm Julia, a part-time WAHM and mama to one with one on the way

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

We bought a home in April, a fixer upper and since then we have been throwing money into the house and have had a slew of guests that has kept us from contributing anything to saving for the past several months. We've also been irresponsible, eating out a lot because of my morning sickness and just plain old shopping for stuff we don't need. We would like to get a 10K cushion in the bank as soon as possible, right now we have 3K. This is going to mean sticking to a tight budget so that we can put 1k in savings every month. We are also paying $450 a month to our midwives, which is pretty much my entire month's pay without taking out SS and MC (I'm an independent contractor)

c. How you plan to get there

We are not going to but anything this month. We have two sets of guests coming, and they have been warned that we are not able to spend money on anything. We are not going to eat out at all. Not once. We are going to cut out treats like sparkling water. And the biggest thing, we are not going to spend any money on the house this month. Our car registration is due this month to the tune of $245, so we are hoping to be able to pay it out of our 'shopping' budget in order to put 1k in savings at the end of the month.

Julia, mama to Bumpa 2008, and The Mole 2011

goldingoddess is offline  
Reply

Quick Reply
Message:
Drag and Drop File Upload
Drag files here to attach!
Upload Progress: 0
Options

Register Now

In order to be able to post messages on the Mothering Forums forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.
User Name:
If you do not want to register, fill this field only and the name will be used as user name for your post.
Password
Please enter a password for your user account. Note that passwords are case-sensitive.
Password:
Confirm Password:
Email Address
Please enter a valid email address for yourself.
Email Address:

Log-in

Human Verification

In order to verify that you are a human and not a spam bot, please enter the answer into the following box below based on the instructions contained in the graphic.



User Tag List

Thread Tools
Show Printable Version Show Printable Version
Email this Page Email this Page


Forum Jump: 

Posting Rules  
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are Off