NoSpend January -- Ringing in the New Year with money in the bank - Page 3 - Mothering Forums

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#61 of 245 Old 01-03-2012, 08:24 PM
 
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Gah!! Amazon and their sales!!!  

I was adding more books to our wishlist for homeschool books - hoping to ask family to buy from it for birthdays/Christmas presents. Well, the Winnie the Pooh 4 book set *library bound* was on sale today and I just totally bought it. AND I need a new specific calculator for an exam I am sitting for in May and I have been waiting for an Amazon purchase to buy with it to get super saver shipping so I bought that too ... The calculator I was definitely going to buy on Feb 1 in my planned spending so that part is not too bad.. uggh. oh well. Tomorrow is a new day :)
 

Quote:

Jan 1: <free pass>yummy.gif

Jan 2: stillheart.gif

Jan 3: 47.75 oops.gif

Jan 4:  stillheart.gif

Jan 5: Groceries yummy.gif

Jan 6:  semi-planned dinner outyummy.gif

Jan 7:  stillheart.gif

Jan 8:  stillheart.gif

Jan 9:  stillheart.gif

Jan 10: so far so good...



 


XM,: mama to ds (5/08), dd (9/10) and ds (6/12) ! whale.gif :C.H.S & M.

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#62 of 245 Old 01-03-2012, 11:48 PM
 
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So, thread question, when we post, we quote or edit our old post into a new post and not just edit our original post, right? 

 

I spent some money today, but was budgeted, so good day.


~Mama to my boys~ to a teen, a tween & a toddler and surro-mama to twins and their sister

Livin' in the sticks with my chicks chicken3.gif and lovin' it!

2014:  4/52 projects  0/2014 things 0/52 books

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#63 of 245 Old 01-04-2012, 05:16 AM
 
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Quote:View Post

1/1 - Groceries $93 (budgeted)

1/2 - Junk food run (dh) $4.50

1/3 - NO SPEND!

1/4 - $5.56 - stop at gas station before work... got NO sleep last night due to dd, so got some pick-me-up snacks to make it through the day... TOTALLY not needed... gotta work on that junk food addiction!



 

 

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#64 of 245 Old 01-04-2012, 05:36 AM
 
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So far off to a good start, but it is still early in the month. Woohoo!!


Jan 1 - orngbiggrin.gif 

Jan 2 - Groceries/household goodies (326/500) thumb.gif
Jan 3 - orngbiggrin.gif (and it was my first day back to work after vacation!!)
 


 


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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#65 of 245 Old 01-04-2012, 06:51 AM
 
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Quote:

thumb.gif - Nothing spent

redface.gif - Budgeted spending for groceries, gas or bills

irked.gif - Other spending

 

1/1 - thumb.gif

 

1/2 - thumb.gif

 

1/3 - thumb.gif

 

 

Looking good for today as well, though I still need to figure out what to make for dinner. So far so good with lunches! Yay!


knit.gifMama to DS born 8/6/10 and new baby DD 1/6/13

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#66 of 245 Old 01-04-2012, 07:52 AM
 
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I wanted to post my introductory message real fast, then I will go back and read through all of the posts.


a. Who you are

Working, homeschooling mom to three little ones (7, 4, and 3 weeks). I'm a nurse so I work full time hours in half a week so it *almost* feels like I work part-time. The days I'm off are blocked together so for 4 days I'm a SAHM and then I'm a working mom the other 3 days. I'm currently on maternity leave, though.

b. Where you are going (your financial goals)

I'm slated to go back to work on February 5th, which means I won't get paid until the 3rd week in February. Sadly, my DH's income does not cover all of our bills. I have about $1,000 saved up, but we are going to eat through that really fast I'm afraid. I'm trying not to stress about how things will get paid this month and next, but really looking at my budget spreadsheet yesterday hit home how bad things might get.

Besides surviving until March, our financial goals are to keep bills current, work on paying down debt, and put away as much money as possible into our sinking funds and emergency fund (e-fund is fully funded, but it's that $1,000 I mentioned that I had saved up...doubt it will make it through until March).

c. How you plan to get there

I don't strictly follow Dave Ramsey, but I do try to use some of his rules in how I use our money. I have a budget spreadsheet. I take out food and gas money in cash, and we do OK on keeping those categories within budget. DH and I both do use the card some for small purchases (coffee, occasional lunches). DH is a little worse than me, but I am guilty, too. I have a hard time talking to DH about money stuff and while he is theoretically on board with the plans, it can be difficult at times to keep him reeled in. He works long hours at a job he doesn't really like and feels cheated when he can't spend on even small things. While I understand the frustration, it's hard to get ahead with that entitled feeling over your head. And of course, I get resentful when he spends willy-nilly b/c I feel like I'm having to be the "grown-up" and I can't spend whenever the mood strikes me, etc, etc.

ANYWAY...step one right now is to keep all extraneous spending down this month and in February. The less I have to dip into our emergency fund the better. Step two is to call the IRS about last year's refund (long story) and see who is now claiming a part of that and if we're even going to see a dime of the almost $9,000 we've been waiting almost a year for. Step three is to get back on our sinking fund and debt snowball plan once my maternity leave is over (if there is opportunity for OT at work, I will try to do a shift or at least 1/2 of a shift each week).

Amanda praying.gif (31), RN, BSN
Catholic wife to guitar.gif (DH 28); mommy to blahblah.gif (DD 9), jog.gif (DS 6), angel2.gif (DS 11/09), angel1.gif (3/10), angel1.gif (6/10), our rainbow1284.gif (DS 1), and a surprise baby.gif (DD)

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#67 of 245 Old 01-04-2012, 08:56 AM
 
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I wanted to add a bit about our longer-term goals.

I really want to be a true SAHM so that is a major goal we're working toward. DH is in a position to possibly double his income in a year or two (if he can stick it out at a job he's less than enthusiastic about) so that would probably cover me staying at home. In the meantime, we've switched health insurance to DH's job and I'm looking for a part-time job in an area about 2 hours from our current location. The job market for nurses pays substantially more than our current location. So even factoring in gas and childcare I think I'd make more or at least the same for less hours of work.

We also talk about eventually moving overseas or at least another state but we'll have to be in a better financial position for that.

We don't have retirement or kids' college savings to speak of, and we don't own a home. We recently took on a car payment b/c we needed a second car so I want to pay that off ASAP.

I've built sinking funds into our budget for things like yearly travel, presents, Christmas, and family pictures. Need to find a way to boost our savings amount to include sinking funds for the longer-term, big savings accounts.

OK, here's our January list so far:
1and 2-irked.gif We were out of town so I spent for food and some small things at Target and DH was separate from us so I'm sure he spent, too.
3- irked.gif DH bought lunch out. I told him last night to consider us dirt poor for the next two months. Not sure how long he'll remember that, but he got up and made his lunch this morning. joy.gif

Amanda praying.gif (31), RN, BSN
Catholic wife to guitar.gif (DH 28); mommy to blahblah.gif (DD 9), jog.gif (DS 6), angel2.gif (DS 11/09), angel1.gif (3/10), angel1.gif (6/10), our rainbow1284.gif (DS 1), and a surprise baby.gif (DD)

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#68 of 245 Old 01-04-2012, 10:53 AM
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01/01 - $15 gas

01/02 - $10 gas, $0.75 soda :(

01/03 - $6 gas

01/04 -


Single mama by choice to sonbabyf.gif 2/2011.
I love showing my little sweetheart (now a busy preschooler!) the world!

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#69 of 245 Old 01-04-2012, 10:59 AM
 
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Quote:
Originally Posted by Crunchy*VT*Mom View Post

01..  thumb.gif

02..  irked.gif  $14 Pizza Hut

03..  thumb.gif

04..  thumb.gif

05..

06..

07..

08..

09..

10..

11..

12..

13..

14..

15..



 


 

 

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#70 of 245 Old 01-04-2012, 01:58 PM
 
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KEY

irked.gif unnecessary spending

eyesroll.gif necessary spending

thumb.gif no spending

 

1/1: irked.gif I sent DH to the store to pick up a pepper I needed for a recipe...I had bought it within the grocery budget the day before, but then DH used it without asking while fixing himself a snack...and then while he was at the store he picked up something else he wanted to make (completely disregarding the houseful of food we have, sigh).  Only about $3-4, but still...

1/2: irked.gif We didn't plan properly for our trip to the nature center, and DD was HUNGRY.  Again, only spent $1, but see how's it's already adding up?

1/3: thumb.gif

1/4: eyesroll.gif Gas and almond milk.  Budgeted for, so it's okay.

1/5:

1/6:

1/7:

1/8:

1/9:

1/10:

1/11:

1/12:



 

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#71 of 245 Old 01-04-2012, 04:19 PM
 
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a. Who you are

I'm Habitat, an artist and infant/childcare specialist. I am currently TTC my first child as a sole parent by choice (aka- "Single Mama by Choice"). I identify very strongly as an anarchist, a feminist and a queer. I live with nine of my closest friends in an urban anarchist collective and am politically active in my city.

 

I have worked as an "alternative" childcare provider since my early high school days, promoting gentle, compassionate care and self-facilitated education for young people of compulsory school age. I'm certified as a doula. I'm currently employed helping a single mother unschool her daughter and am a very part-time phone consultant for parents who need support and/or guidance in creating compassionate environments for their children to thrive. I'm also really interested in helping families with children get connected with the radical communities in their area.

 

I'm leaving for a 4-week trip on the 12th. But I will be traveling minimally with (hopefully) no housing expenses and intend to stick to my budget the whole time.

b. Where you are going (your financial goals)

 

Being more intentional with my finances is a very critical part of a long-time holistic health plan for me.

 

My Goals:

  • Become current on bills and basic expenses.
  • Become debt free.
  • Start saving to buy land or otherwise invest in my future and that of my child-to-be.


c. How you plan to get there
Though it's against my current political/personal values, I was raised in a family that lived way beyond its means and am a consumer by training. I really struggle with this and take it seriously as an addiction. I have a very difficult time budgeting and staying out of stores. Though in many ways I live a life that is radically centered in people/community rather than things, money truly burns a dangerous hole in my pocket, keeping me in a cycle of stress and living "paycheck-to-paycheck".

 

My Resolutions:

  • Relearn habits and be very intentional about spending. Stop ALL shopping for recreation/habit/anxiety. Find other things to do with my time.
  • Commit to a budget. Live bare minimally on my wallet and budget to the penny. Eliminate ALL unnecessary spending
  • Simplify by selling/donating/purging things I don't need and keep my life clutter-free. Keep things organized.
  • Curate my environment to reflect me at my best. Surround myself with only the things that I love and which inspire me.
  • Conquer debt and build security, a la Ramsey.
  • Enjoy my life in ways that aren't about money.

 

 

KEY:

 

smile.gif no spending

eyesroll.gif budgeted spending

irked.gif unnecessary spending

orngbiggrin.gif sold stuff I didn't need

 

also:

 

wool.gifaerobic activity w/ elevated heart rate >30 minutes

 

om.gif  yoga / meditation

 

thumb.gif  kept my personal space super clean

 

loveeyes.gif  did my house chore

 

knit.gifspent time making things / being creative >20

 

carrot.gif  ate only healthy foods that make me feel good.

 

 

geek.gif  minimal computer time <60 minutes

 

 

 

HERE IT GOES!

 


Forest For The Trees  stillheart.gif  Radical Family Support Consulting for Growing Families (ask me!)
10+ Years in Professional Holistic Childcare and Support / Alternative Education / Unschooling my Friend, Z (4)

Future Community-Dwelling, Stay-at-Home, Sole-Parent by Choice!

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#72 of 245 Old 01-04-2012, 04:33 PM
 
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Jan 1 - orngbiggrin.gif

Jan 2 - Groceries/household goodies (326/500) thumb.gif
Jan 3 - orngbiggrin.gif (and it was my first day back to work after vacation!!)
Jan 4 - orngbiggrin.gif
 

 

 


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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#73 of 245 Old 01-04-2012, 05:35 PM
 
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I am unable to copy and paste my previous posts, so I'm just going to update as I can.

Today: $0 smile.gif
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#74 of 245 Old 01-04-2012, 09:01 PM
 
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Originally Posted by esg View Post


I'm in Texas wishing I could save up for Hawaii. Want to trade? ;)

 

 



esg - are you anywhere San Antonio? That's where I'm headed! =-)


Akie, single mom to M (02/18/06), E (08/04/07) and Z (06/22/09)
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#75 of 245 Old 01-04-2012, 09:05 PM
 
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I'm Akie, single mom to 3 boys, homeschooling one.

 

My goal is to be able to pay for a trip for all of us to Texas this summer (we live in Hawaii) and also to the Signing Time conference in Utah in July.

 

I teach one class a week of Baby Signing Time and am finishing up a seasonal job with Coach this month.

 

January 1 - $35 renewal subscriptions to church magazines

$175 for hair straightening Groupon - I really, really need this even though it seems frivolous

January 2 - $98 horseback riding - my new expensive hobby but I only go about once a month

$50 gas

January 3 - NO SPEND!!!

January 4 - $170 Ice Skating lessons for the older 2 boys (budgeted) $30 for cough drops (fighting vog), toothbrushes (2 yr old stuck his in the toilet), and carpet cleaner (2 yr old wrote on the rug with crayon)


 

 


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#76 of 245 Old 01-04-2012, 10:01 PM
 
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1/1 smile.gif no spend

1/2  smile.gif no spend

1/3 thumb.gif budgeted spending - gas, groceries

1/4 thumb.gif budgeted spending - b'day gift for my mom, some misc. household supplies like batteries and stamps, tailors, DD 1 piano tuition, ski gloves for DH, pizza lunch out with DD2, spent more $ than I planned on. Trying for a no spend tomorrow.

1/5

1/6

1/7

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#77 of 245 Old 01-05-2012, 02:35 AM
 
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Wow, this thread is really kicking this month!!!

 

1/1: No spend

1/2: No spend.  Working OT tonight.

1/3: irked.gif Shoot!  Forgot to return my library book yesterday, and now have a fine.  Worse yet, it's an interlibrary loan book... $2/day.

1/4:  No spend.  And turns out there's a grace period on the interlibrary loan book, so no fine. 


hippie.gifwife to DH, new mom to babyboy.gif 7/4/2011.  femalesling.GIF familybed1.gif BFPChart2.gif cd.gif knit.gif

"I remember my mother's prayers and they have followed me.  They have clung to me all my life." -- Abraham Lincoln. 

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#78 of 245 Old 01-05-2012, 02:40 AM
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I'm near Houston but SA is pretty cool.
 

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esg - are you anywhere San Antonio? That's where I'm headed! =-)



 


Single mama by choice to sonbabyf.gif 2/2011.
I love showing my little sweetheart (now a busy preschooler!) the world!

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#79 of 245 Old 01-05-2012, 04:36 AM
 
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tracking legend:

eat.gif home cooked

love.gif personal development/healing

carrot.gifpantry/freezer used

thumb.gif no unnecessary spending

geek.gif online training

om.gif declutter (stole the icon even!)

blush.gif library late fee or eating out

irked.gif unnecessary spending (hope not to see this one!)

 

1/1 eat.gif love.gif thumb.gif carrot.gifom.gif

1/2 eat.gif love.gif carrot.gif irked.gif i did not get around to online training and i spent more than i meant to at the grocery store. on top of that, the 2 reduced packages of beef bones that i bought yesterday rang through at their original price and i didn't notice until we got home. only about $0.70 difference but i should've been paying more attention.

1/3 eat.gif love.gif thumb.gif carrot.gif om.gif no online training again!

1/4 eat.gif carrot.gif thumb.gif regular job today; no time for online training.

1/5 eat.gif thumb.gif carrot.gif love.gif regular job today; no time for online training. i plan to listen to Underearners Anonymous and Clutterers Anonymous calls today. i will edit out my "healing" icon if i miss both.

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#80 of 245 Old 01-05-2012, 07:15 AM
 
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Quote:
Originally Posted by Crunchy*VT*Mom View Post

Just out of curiosity -- what ads are scrolling at the top of your thread?



Old Navy...that's where I bought the kid's winter clothes (I'm in florida!).


DS1-08/12/2007 DS2-06/24/2009
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#81 of 245 Old 01-05-2012, 07:41 AM
 
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1and 2-irked.gif We were out of town so I spent for food and some small things at Target and DH was separate from us so I'm sure he spent, too.
3- irked.gif DH bought lunch out. I told him last night to consider us dirt poor for the next two months. Not sure how long he'll remember that, but he got up and made his lunch this morning. joy.gif
4- thumb.gif DH went and bought cat food and also decided to get other stuff. We had the food budget left to cover it so that's ok.


Amanda praying.gif (31), RN, BSN
Catholic wife to guitar.gif (DH 28); mommy to blahblah.gif (DD 9), jog.gif (DS 6), angel2.gif (DS 11/09), angel1.gif (3/10), angel1.gif (6/10), our rainbow1284.gif (DS 1), and a surprise baby.gif (DD)

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#82 of 245 Old 01-05-2012, 07:53 AM
 
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Key

 

 

thumb.gif No Spend/ Budgeted spending

irked.gif Unplanned/ unbudgeted spending

om.gif 30min spent decluttering

 

1.  thumb.gif We're at my ILs until tomorrow, DH and I ran to Target for MIL for popcorn, I picked up stockings and eye makeup for DH's formal office party on Saturday, all of it was put on a GC I got for Christmas, so no $$ out of pocket.  I REEEALLY wanted to buy some other stuff that we REEEEALLY didn't need, but I resistedjoy.gif

2.  thumb.gif Trip home today.  We budgeted a set amount for this trip to the ILs, and for one of the first times, we actually stayed completely in budget!!joy.gif  I'm hoping that this will set the precedent for the rest of the year, that we can set a budget and stay within it.  No extra spending, no impulse shopping, complete CONTROL!!  Tomorrow I begin decluttering for the 2012 in 2012 Decluttering Challenge.

3.  irked.gif om.gif  DH stopped for a haircut on the way home from work b/c I haven't had a free moment to cut his hair.  There's room in the budget for it, but it wasn't really budgeted for.

4.  thumb.gif  Had a play date with friends today so no money spent.


Jenn<>< crunchy conservative mama to 6 fencing.gif reading.gif notes2.gif fly-by-nursing2.gif

knit.gifand sewmachine.gif my way through my stash.

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#83 of 245 Old 01-05-2012, 09:31 AM
 
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Quote:
Originally Posted by MonkeyPrincess View Post

1/1 smile.gif $0
1/2 eyesroll.gif $116.91
1/3 smile.gif $0
1/4 smile.gif $0
1/5 so far: $30 gas, $6 notary costs, still need to pay for printing a few things...

I am working out of the house today, and staying mindful of wants vs needs. (I packed food for a birth, even!) And this thread stopped me dead in my tracks for a quick couple dollar impulse buy on amazon last night during a bout of insomnia. Even though I could keep track of my spending on my own, posting it here definitely makes a difference.

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#84 of 245 Old 01-05-2012, 10:48 AM
 
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I think I should join in too!

 

a. Who you are: I'm a 31 year old mom to a 6 year old girl. I married to Mr. Frugal in Oct 2010, and we have a little girl due at the end of Feb.

b. Where you are going: I really want to stay home when the baby is born. I'm the spender in this house though, so I know I need to make that happen. If I can't, then I'll have to do some part time work. We live on his income for the most part already, but my income is building savings, paying for random expenses, and paying for all the baby/midwife stuff. And my spending...

 

c. How you plan to get there: I've saved enough to buy everything we'll need for the baby, but I haven't purchased much yet. I've been waiting for sales and promotions for the bigger stuff, and registry completion discounts for the smaller stuff. Any income I don't spend now will give us more wiggle room later on, so I'm trying to keep that in mind as I spend right now. I will be spending quite a bit before the baby comes, but my goal is to buy what we need for the best prices possible. I'm also trying to change some spending habits so our decrease in income doesn't come as a shock to me.

 

Jan 1- Did some shopping at IKEA for stuff to organize my laundry dungeon. Did it with xmas money :)

Jan 2 - Found a good deal on a few baby items I wanted, and used gift cards I had purchased at cardpool.com to buy them

Jan 3 - Bought some groceries and gas

Jan 4 - We out to lunch because it was a co-worker's birthday (I ate cheap though)

Jan 5 -



 


Happily married to my soul mate, and a mommy of two girls + another baby due in June!

5****10****15****20****25****30****35**stillheart.gif*40

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#85 of 245 Old 01-05-2012, 12:31 PM - Thread Starter
 
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Had a baby!  We are home now and feeling good.  Dh took out some cash for hospital meals, the kids brought me flowers, and we bought some cell phone minutes.  I have been sitting here updating my bills -- money looks good.  We get paid tomorrow, so dh is going to do a big grocery trip soon.  No other money to be spent -- just lots of nursing and snuggles and time with the kids.  

 

 

Jan 1 -- thumb.gif

Jan 2 -- thumb.gif

Jan 3 -- 40.00 cash for hospital stay/food, 15.22 flowers, 13.12 cell phone minutes

Jan 4 -- thumb.gif

Jan 5 -- thumb.gif

Jan 6

Jan 7

 

 

January savings goal is at 24% 

Momsteader and Bearsmom like this.

Frugal, food growing mama to my four loves

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#86 of 245 Old 01-05-2012, 01:02 PM
 
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Congrats, Ruthiegirl! Enjoy your babytime :)

 

1/1 smile.gif no spend

1/2  smile.gif no spend

1/3 thumb.gif budgeted spending - gas, groceries, cleaners, etc.

1/4 thumb.gif budgeted spending - b'day gift for my mom, some misc. household supplies like batteries and stamps, tailors, DD 1 piano tuition, ski gloves for DH, pizza lunch out with DD2, spent more $ than I planned on. Trying for a no spend tomorrow.

1/5  smile.gif no spend, hurrah!

1/6

1/7

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#87 of 245 Old 01-05-2012, 02:02 PM
 
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Jan 1 - orngbiggrin.gif

Jan 2 - Groceries/household goodies (326/500) thumb.gif
Jan 3 - orngbiggrin.gif (and it was my first day back to work after vacation!!)
Jan 4 - orngbiggrin.gif
Jan 5 - thumb.gif (Spent $10/$40 on some kombacha - but I get to reuse the bottles for my own brews this month)

 


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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#88 of 245 Old 01-05-2012, 02:15 PM
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Quote:
Originally Posted by esg View Post

01/01 - $15 gas

01/02 - $10 gas, $0.75 soda :(

01/03 - $6 gas

01/04 -$0

01/05 - $6 gas



 

 


Single mama by choice to sonbabyf.gif 2/2011.
I love showing my little sweetheart (now a busy preschooler!) the world!

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#89 of 245 Old 01-05-2012, 02:37 PM
 
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Quote:
Originally Posted by Crunchy*VT*Mom View Post

Just out of curiosity -- what ads are scrolling at the top of your thread?



Old Navy...that's where I bought the kid's winter clothes (I'm in florida!).


DS1-08/12/2007 DS2-06/24/2009
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#90 of 245 Old 01-05-2012, 02:40 PM
 
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KEY

irked.gif unnecessary spending

eyesroll.gif necessary spending

thumb.gif no spending

 

1/1: irked.gif I sent DH to the store to pick up a pepper I needed for a recipe...I had bought it within the grocery budget the day before, but then DH used it without asking while fixing himself a snack...and then while he was at the store he picked up something else he wanted to make (completely disregarding the houseful of food we have, sigh). Only about $3-4, but still...

1/2: irked.gif We didn't plan properly for our trip to the nature center, and DD was HUNGRY. Again, only spent $1, but see how's it's already adding up?

1/3: thumb.gif

1/4: eyesroll.gif Gas and almond milk. Budgeted for, so it's okay.

1/5:eyesroll.gif Dog food and kitty litter.

1/6:

1/7:

1/8:

1/9:

1/10:

1/11:

1/12:

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