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#1 of 92 Old 03-01-2012, 10:20 AM - 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 March 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.


 


 

 

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#2 of 92 Old 03-01-2012, 10:21 AM - Thread Starter
 
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Borrowing your text so we can start this thread up again!

 

a. Who:  My name is Prudence and I am a SAHM with three daughters.

b. Where you are going (your financial goals):  I would like to pay off our second mortgage. 

c. How you plan to get there:  Coming on here and recording what I spend every. ding. dang. day.  I'm hoping that being accountable will help me not spend.

 


 

 

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#3 of 92 Old 03-01-2012, 10:25 AM - Thread Starter
 
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01  $259 running shoes and workout clothes

02  $35 DVD player

03  thumb.gif

04  thumb.gif

05  $43 dinner out

06  thumb.gif

07  $110 more shoes

08  thumb.gif

09

10

11  thumb.gif

12  thumb.gif

13  $6 McDonald's

14

15

 


 

 

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#4 of 92 Old 03-01-2012, 10:33 AM
 
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a. Who you are  

 

Ruth, mama to my 4 kiddos.  

b. Where you are going (your financial goals) 

 

We had a weird year in 2011 and have a big tax bill due.  We need to finish saving up and then will file our taxes at the end of the month.

c. How you plan to get there

 

It will be super tight this round.  Food, gas bills are all budgeted.  We will have some tough choices about other stuff -- the kids are in school for the first time this year and really want to buy yearbooks (really?  for 2nd and 4th grade?). We have a day trip planned with the inlaws and ds has a Boy Scout trip to the zoo, both outings will cost money.  We really need to weigh the benefits of all of our spending this month and set our priorities.  Tough choices this month.  


Frugal, food growing mama to my four loves

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#5 of 92 Old 03-01-2012, 10:35 AM
 
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Hey Prudence!!!   Welcome back and thanks for getting us started. 

 

 

Mar 1 -- thumb.gif

Mar 2 -- 

Mar 3 -- 

Mar 4

 

 


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#6 of 92 Old 03-01-2012, 10:46 AM
 
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a. Who you are
I am Emi, SAHM to 2 daughters and 18 weeks pregnant with 3rd baby.

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

We are trying to pay off our car before the end of the year, and our house within in next 2-3 years MAX because it is to small.


c. How you plan to get there

 

This month we plan to spend no money on eating out,stick strictly to our budget,cut our gas cost down,and NO more buying baby things just yet. We have 1 birthday party we are attending next weekend so have that budgeted in for a gift.


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#7 of 92 Old 03-01-2012, 11:52 AM
 
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3/1-thumb.gif

3/2-

3/3-

3/4-

3/5-


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#8 of 92 Old 03-01-2012, 12:23 PM
 
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a. Who you are


I'm Heather, SAHM to 4 and I'm currently 34 weeks along with #5
 

b. Where you are going (your financial goals)


We are currently in the process of paying down debt. We just paid off our van almost 1.5 years early and are hitting the citicard hard!
 

c. How you plan to get there
 
The plan is to stick to the budget as close as possible and use dh's entire commission check to pay down the card.
 



 


SAHM to the munchkins (14.5, 11.5, 9.5, 3, and almost 2)
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#9 of 92 Old 03-01-2012, 12:38 PM
 
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Off to a rocky start.

 

3/1 $9x.xx at Target (some groceries, clothing, household items)

 

budgeted

$800 groceries

$150 gas


SAHM to the munchkins (14.5, 11.5, 9.5, 3, and almost 2)
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#10 of 92 Old 03-01-2012, 01:49 PM
 
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Is it March already?!?!  Man, I feel like the last week has just flown by.  I'm IN for another month.

 

a. Who you are

I'm Jenn, SAHM to 5 under 8.

b. Where you are going (your financial goals)

Our long term goal is to be debt free and have a fully funded E-fund.    We paid off our Suburban last month joy.gifOur CC *should* be paid off by the end of the year.

c. How you plan to get there

STICK TO THE BUDGET!!!  We're putting in raised beds this week, so we have the $$ set aside for the wood and the soil amendments.  Most of the soil will be from free sources, thankfully.  I'm also starting the Couch to 5K running program on Monday, so about mid-month, if I stick to it, I'll need running shoes (these will also be my b-day gift from DH and the kids).  Those should be the ONLY big expenditures this month.

 

STAY OUT OF STORES!!  On the weekends, DH usually gets antsy and wants to get out of the house.  Somehow we always end up at some store like Target or WalMart and spend money we really shouldn't.  We need to stay out of the stores and find some other way to fill our time, hopefully it will be filled with yard work this month.

 

 

Key

thumb.gif  No Spend/ Budgeted Spending

irked.gif  Unplanned/ Un-budgeted Spending

 

1.  thumb.gif  Off to a good start

 


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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#11 of 92 Old 03-01-2012, 09:02 PM
 
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Hi everyone, I need some community on this, and I'm so happy to see this thread! The intros are really wonderful, thank you.

 

A) I am a sahm, homeschooling our two boys ages 10 and 12. 

 

B) My goals is to pay off our HELOC around $22,000. Long term goal is to reach a place where my husband feels more financially secure and can cut back on hours worked. I think one problem is the more he works, the lonelier I feal, the more I shop. Time to break the cycle.

 

C) Step one, no more online shopping!!! I guess I had a little too much fun Christmas shopping, because I never stopped. For the next 30 days I will not even visit the sites I have been spending so much money on. Our food spending is reasonable and the kids current classes are paid for. The only stores I should need to enter are for food. My oldest does need sneakers, and I will be sure that I don't come about with a pair for myself.

 

3/1 added things to an online cart, but did not buy. Last time I will visit site for the next 30 days.


Michelle , 20+ years with a wonderful DH
Mama to two boys, 12 and 10

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#12 of 92 Old 03-02-2012, 04:08 AM
 
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Pay day!  Sent off the bills and transferred my first chunk of cash to savings.  Now all I need to do is twiddle my thumbs and not spend any money till next pay day when I will do it all again.  ROTFLMAO.gif  

 

Going to pick up some food today.  I cleaned out the fridge last night and it is so clean!   So white!  So empty!  I made a meal plan based on our pantry and I can feed us well this week as long as I keep cooking.  We have a decent amount of rice, beans pasta, frozen veggies -- I am going to pick up some eggs, cheese and fruit and we'll be eating like kings. 

 

 

 

Mar 1 -- thumb.gif

Mar 2 -- thumb.gif  (planned)

Mar 3 -- 

Mar 4

 

 

 

 

 

Savings 47% done


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3/1-thumb.gif

3/2-4.99 on a PPV movie for my sick daughter.irked.gif

3/3-

3/4-

3/5-

 


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#14 of 92 Old 03-02-2012, 10:12 AM - Thread Starter
 
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Better today.  Worked all morning and going over to a friend's house for the afternoon....no plans to go to any stores.  thumb.gif
 

Quote:
Originally Posted by Crunchy*VT*Mom View Post

01  $259 running shoes and workout clothes

02  thumb.gif

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#15 of 92 Old 03-02-2012, 11:38 AM
 
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Hi I would like to join.  I am a mother to 5 kids, 9,7,5,3,18 months.  I babysit in my house during the week and find that I spend money on the weekend when we go out because I don't go anywhere all week.  My goal is to pay down my CC debt and build a better savings account.

 

1 - redface.gif

2 -

3 -

4 -

5 -

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8 -

 


Jessie (29) mom to Emma (2002), Anthony (2004), Elizabeth (2006) and Ava (2008) and someone new 2010
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#16 of 92 Old 03-02-2012, 01:31 PM
 
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Hi everyone, wishing you all a happy money saving day!

Day two of my no spend/ no online shopping challenge. So far so good. I have been tempted many times today to grab the computer and putter around online. Just a second ago, I put on a sweatshirt, noticed (yet again) that it has many tiny feathers in it. The down vest I bought last month, love, and wear every day, is constantly shedding on me. My thoughts turn to, well I guess I should return it, I guess I should find a better quality one, I wonder if I can find a sale online? Tricky little mind I have!

So then I think I should head out to a second hand shop near me and look for a vest. It will be cheap, my mind says, its not online shopping, what is the harm? Tricky!

2 days down/ 29 to go

Michelle , 20+ years with a wonderful DH
Mama to two boys, 12 and 10

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#17 of 92 Old 03-02-2012, 01:59 PM - Thread Starter
 
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I HATE having to retract a no-spend day...but I just had to go to Amazon to buy a DVD player.  My friend loaned us her portable DVD player for a trip and my preschooler threw it across the room and broke it.  Grrrrr...
 

Quote:
Originally Posted by Crunchy*VT*Mom View Post


Better today.  Worked all morning and going over to a friend's house for the afternoon....no plans to go to any stores.  thumb.gif
 



 



 


 

 

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#18 of 92 Old 03-02-2012, 02:00 PM - Thread Starter
 
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Quote:
Originally Posted by Crunchy*VT*Mom View Post

01  $259 running shoes and workout clothes

02  $35 DVD player

03

04

05

06

07

08

09

10

11

12

13

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#19 of 92 Old 03-02-2012, 03:18 PM
 
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3/1 $9x.xx at Target (some groceries, clothing, household items)

3/2 $289.xx at Costco (1x/month stop)

 

budgeted

$289.xx/$800 groceries

$150 gas


SAHM to the munchkins (14.5, 11.5, 9.5, 3, and almost 2)
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#20 of 92 Old 03-03-2012, 12:17 PM
 
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Took dd to the local consignment shop.  She was down to 2 pairs of jeans and one of them popped a hole this week.  We lucked on 3 great pairs of jeans that she likes and a pair of lacrosse goggles for the upcoming season.  Last year, the coach provided goggles, but this year those are going to another team.  The goggles are normally $50, so $10 was a steal!  

 

Our heating bill came in under budget and we received a refund check from our car insurance.  We shopped around for cheaper insurance last month and they refunded us some overpayment.  

 

Still need to check the kids' cleats and make sure they fit.  The consignment shop had a huge bucket of used cleats, so if we need to buy any, we can at least get them used. 

 

 

Mar 1 -- thumb.gif

Mar 2 -- thumb.gif  

Mar 3 -- 9.54 3 pairs of jeans for dd, 10.60 goggles for lacrosse 

Mar 4

 

 

 

 

 

Savings 47% done

 

 


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Went to Walmart last night to get some sale items I had seen in the flyer, stayed to my list and didn't get extras.  Stopped at McDonalds on the way home because the kids were hungry and I hadn't planned anything for supper :-( I'll have to make sure not to run errands at supper time again.  Got the guinea pigs grass too.  I will get gas today and our weekly groceries tomorrow and that should be it for this weekend.  Signed the kids up for their swimming lessons through the YMCA yesterday but they are free with our family membership so I didn't have to pay anything.

 

Quote:
Originally Posted by jessiemom View Post

Hi I would like to join.  I am a mother to 5 kids, 9,7,5,3,18 months.  I babysit in my house during the week and find that I spend money on the weekend when we go out because I don't go anywhere all week.  My goal is to pay down my CC debt and build a better savings account.

 

1 - redface.gif

2 - 28.00 at walmart for budgeted groceries, 18.00 at McDonalds for hungry kids (not budgeted)

3 - 8.00 budgeted for guinea pig food

4 -

5 -

6 -

7 -

8 -

 



 


Jessie (29) mom to Emma (2002), Anthony (2004), Elizabeth (2006) and Ava (2008) and someone new 2010
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3/1 $96.17 at Target (some groceries, clothing, household items)

3/2 $289.xx at Costco (1x/month stop)

3/3 $48.25 movie theater (rare treat), $13.55 Starbucks, $474.10 at Babies 'r Us (planned, budgeted $500)

 

budgeted

$289.xx/$800 groceries

$150 gas


SAHM to the munchkins (14.5, 11.5, 9.5, 3, and almost 2)
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#23 of 92 Old 03-03-2012, 04:16 PM - Thread Starter
 
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Yes!  Three days into it...but finally I got that no-spend.  it feels nice.


 

Quote:
Originally Posted by Crunchy*VT*Mom View Post

01  $259 running shoes and workout clothes

02  $35 DVD player

03  thumb.gif

04

05

06

07

08

09

10

11

12

13

14

15

 



 


 

 

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#24 of 92 Old 03-03-2012, 08:55 PM
 
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Another day, no impulse spending. Some planned shopping and a budgeted dinner out with the kids.

I did have a setback when a package from Lands End came in the mail. A sweatshirt and pair of cropped pants. I loved the pants and thought I should get another pair. I did go to the site, looked at the pants, other colors. But I am very happy to report it lasted only 5 minutes, I made the decision to get the heck off their site!

The scary thing is that there are 3 other packages on the way to my house. An amazon order that was sent in 2 shipments and another package from Lands End, a back ordered sale item that just shipped. It's not very hard to avoid shopping online when I know something is on the way. The work will begin when they arrive, and I have no packages to look forward to.

It sounds so silly when I type it out. I'm a grown woman, with a family, children to raise, a husband, and a business to run. But I'm unhappy if the mailman isn't working to bring me a surprise?


Day 3 / tracked every purchase(iPod app), no unplanned spending!!

joy.gif=3
greensad.gif=0

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Mama to two boys, 12 and 10

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#25 of 92 Old 03-04-2012, 09:07 AM
 
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Planned no-spend today.  We are all going to the cub scouts pine wood derby today.  Should be a ton of fun.  Nothing to buy there and no shopping planned.  I have dinner ready to go and meals planned for the week, so we are all set for a good low budget week.  

 

And....we finished our taxes!!!   Dh found an error I made in our deductions.  That was worth $800!   So we have enough to file our taxes right now!    So excited to be done with this.  I have been saving aggressively for the past few months, so this is a huge weight off my shoulders.  

 

 

Mar 1 -- thumb.gif

Mar 2 -- thumb.gif  

Mar 3 -- 9.54 3 pairs of jeans for dd, 10.60 goggles for lacrosse 

Mar 4 -- thumb.gif

 

 

 

 

 

Taxes paid!  Now on to building the emergency fund and paying off the credit card.  

 

 

 

 


Frugal, food growing mama to my four loves

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post edited


Jenn (30) wife to DH (42) and Mama to DS (2). Looking forward to our with #2 due Nov. 2 2010.
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#27 of 92 Old 03-04-2012, 12:06 PM
 
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3/1 $96.17 at Target (some groceries, clothing, household items)

3/2 $289.xx at Costco (1x/month stop)

3/3 $48.25 movie theater (rare treat), $13.55 Starbucks, $474.10 at Babies 'r Us (planned, budgeted $500)

3/4 $60.01 gas, earned $61.xx at OUAC

 

budgeted

$289.xx/$800 groceries

$60.01/$150 gas


SAHM to the munchkins (14.5, 11.5, 9.5, 3, and almost 2)
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#28 of 92 Old 03-04-2012, 01:09 PM
 
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Congratulations Ruthiegirl! Dh is working on our taxes this weekend. Last year we had a large refund, but 2011 was a good year for us so we may have a bill to pay this year. I'm really hopping we break even, maybe a small refund. 

 

Hi Jennmk13, I can relate to being in deep debt. 2008-2010 were really hard times, we are still recovering. I'm so gratefully that we did have an emergency fund and it took every penny of it to keep our house. We have replaced the lost income and are now paying off debt and trying to rebuild our emergency fund.  Congratulations on your hubbys new job!

 

3/4 no spend day!!!

 

4/thumb.gif

 

0/greensad.gif


Michelle , 20+ years with a wonderful DH
Mama to two boys, 12 and 10

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#29 of 92 Old 03-04-2012, 05:03 PM
 
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I need to join.  I can not do 'no spend' but I can do 'reasonable spend' LOL.  Anything hard core scares me and just means failure. I can not handle that.  

I am a single mommy to a great 11 yr old DS.  I have been out of full time work for 3 years now.  I do substitute teach whenever I can get work. (anywhere from 0-5 days a week). This makes it very difficult to plan $$.

I need to reduce all spending because the cost of fuel is killing me.

My student loans are on IBR.

DS has swim team fees of $75/month plus meet fees which vary but should run about $10 2x a month.

We eat out on Saturday- this is covered in my 'meal plan' thread.

The weather is changing and its going to be HOT here soon.  The thought of having to buy DS summer clothes scares the bejeebers out of me. (we live in AZ).  Not to mention the electric bill.yikes2.gif

 

 

3/1  Rent $788  Swim team $75

3/2  Dinner Failure $10.12, Fuel $57

3/3 Grocery $ 10.xx, Lunch $10.50

3/4  Newspaper $2.19, postage $4.80

3/5  0.00

3/6  0.00

3/7 $25.50 for Disney on Ice tickets (discounted with homeschool)

3/8  Bill pay day

3/9  Target $15.xx  Plunger emergency and got Drano while I was there.  The bathroom is functional again!

3/10 $40.xx grocery, $60.00 dinner out , $10.00 postage

3/11 $2.19 newspaper  $50.00 fuel

3/12

3/13

3/14

3/15

3/16 $16.00 haircuts  $12.00 dinner

3/17

3/18

3/19

3/20

3/21

3/22

3/23

3/24

3/25

3/26

3/27

3/28

3/29

3/30

3/31

 

 

** unplanned in RED


Mom to J and never-ending , 0/2014 items decluttered, 0/52 crafts crafts completed  crochetsmilie.gif homeschool.gif  reading.gif  modifiedartist.gif

Seeking zen in 2014.  Working on journaling and finding peace this year.  Spending my free time taking J to swimteam

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#30 of 92 Old 03-05-2012, 04:43 AM
 
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Join Date: Feb 2007
Location: North Carolina
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3/1-thumb.gif

3/2-4.99 on a PPV movie for my sick daughter.irked.gif 42.xx grocery thumb.gif

3/3-48.xx grocery (budgeted)thumb.gif

3/4-$5.xx on hotdogs at the quick stop,drinks,candy irked.gif

3/5-

 

 

Lets hope today is a no spend because I don't plan on leaving home.

 


E wife to G,  and mama to R hearts.gif, A autismribbon.gif, and E femalesling.GIF 
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