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-   -   June No-Spend/Low-Spend Challenge (http://www.mothering.com/forum/312-frugality-finances/1403217-june-no-spend-low-spend-challenge.html)

SweetSilver 05-31-2014 09:14 AM

June No-Spend/Low-Spend Challenge
 
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 (insert appropriate date here) 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 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.

SweetSilver 05-31-2014 09:26 AM

a. Who you are

Rural homeschooling mama to 2 girls, one cat and 27 chickens. DH and I are self-employed.

b. Where you are going (your financial goals)

I just want to end the year with more money than I started with. DH's work is seasonal, which makes budgeting difficult. We just borrowed enough from our loan equity (with MIL) to finish our basement. A woodstove will help with heating costs in winter, but the additional loan adds about $90 per month onto our payment, and finishing the house has already upped our property taxes.. Our gasoline card bill was $700! DH's work took up the bulk of that, but still!

c. How you plan to get there

Pick up more work, especially in the off-season which proved to be difficult last year. However, I have 2 new clients and a former client is wanting some frequent work, so finances will be easier this year. Drive as little as possible. I keep selling our surplus eggs to help defray the cost of feed a little and sold some homemade granola. Little bits here and there.

This month I'm back to track frivolous spending. I'm not extravagant, but if we want to keep the girls in gymnastics, those little bits add up.

The last 2 months of this thread have been dismal. I didn't finish 2 and was a no-show for the last one. But summer the money is rolling in, and that means we tend to "roll it out" more easily when we should be saving for the crush of winter.

sdelgadillo389 05-31-2014 09:03 PM

a. Who you are
Single parent to almost 4 year old boy, work part time and full time student.

b. Where you are going (your financial goals)
Trying to become debt free. Hopefully will pay off a huge portion of debt this year. This months financial goals are to try not to go over my June budget.

c. How you plan to get there
Keep to June's Budget. Meal plan as much as possible, pick up more hours at work, try to go to local food bank.

mamabri478 06-01-2014 07:27 PM

Hi! This is my first time on this thread!

a. I'm Bri. My husband is Anthony. We have 3 kids who are 4, almost 3, and 9 months. We are a young but stable family.

b. We are dying to own our own home. We lived with FIL until 1.5 years ago, and have been renting since then. We'd like to purchase a "starter home" in the spring!

c. We need to cut WAY back on spending. We spend way too frivolously and (I'm ashamed to say) we don't even have a savings. We need to get back on our budget and start putting money away.

SweetSilver 06-02-2014 09:49 AM

OK! Good morning. Missed yesterday because I was out of town. My spending on Sunday was better than Saturday, but I [I]don't need to record Saturday[I] Bwahahaha!!!!

I just bought snacks at the co-op and ate other people's food. But I forgot my 10% off coupons and purchased too much at my local co-op when I could have saved a load of cash. So, not a home run.

6/1 :thumb

sdelgadillo389 06-02-2014 08:00 PM

No spend: http://files.mothering.com/images/smilies/joy.gif
Budgeted spend: http://files.mothering.com/images/smilies/thumb.gif
Unbudgeted spend: :duh
Ate at home/Packed meals: http://files.mothering.com/images/smilies/eat.gif
Exercised: :jog

June 1: http://files.mothering.com/images/smilies/thumb.gif $268 phone debt, $2 pictures, $125 father's day gift for my dad http://files.mothering.com/images/smilies/eat.gif
June 2: http://files.mothering.com/images/smilies/thumb.gif $23-52 week challenge http://files.mothering.com/images/smilies/eat.gif:jog

SweetSilver 06-02-2014 08:30 PM

I did buy some snacks out and about, but didn't buy myself anything.


6/1 :thumb
6/2 :eat Snacks, $15. Gas fill-up. Groceries and cat food.

SweetSilver 06-03-2014 07:40 PM

Quote:

Originally Posted by SweetSilver (Post 17652802)
6/1 :thumb
6/2 :eat Snacks, $15. Gas fill-up. Groceries and cat food.
6/3 NO :throb SPEND

Wound up buying nothing except building supplies, but we sure could have used some groceries. Not desperate, though.

Needed to quote instead of copy and paste because my smiley dudes aren't showing up. Harumph.

SweetSilver 06-03-2014 07:42 PM

Ooooh.... made some super-frugal smoothie with leftover pineapple, old freezer strawberries and a banana. Nice to have all of that together. Had all the ingredients for brownies and a yummy beefy potatoey spicy dinner if I don't mind the lack of veggies (and after the smoothie not feeling too guilty) and some homemade biscuits.

Called the neighbors to see if they have any veggies they could sell me since I won't be going into town tomorrow, either.

sdelgadillo389 06-04-2014 04:48 PM

No spend: http://files.mothering.com/images/smilies/joy.gif
Budgeted spend: http://files.mothering.com/images/smilies/thumb.gif
Unbudgeted spend: :duh
Ate at home/Packed meals: http://files.mothering.com/images/smilies/eat.gif
Exercised: :jog

June 1: http://files.mothering.com/images/smilies/thumb.gif $268 phone debt, $2 pictures, $125 father's day gift for my dad http://files.mothering.com/images/smilies/eat.gif
June 2: http://files.mothering.com/images/smilies/thumb.gif $23-52 week challenge http://files.mothering.com/images/smilies/eat.gif:jog
June 3: http://files.mothering.com/images/smilies/joy.gifhttp://files.mothering.com/images/smilies/eat.gif
June 4: http://files.mothering.com/images/smilies/thumb.gif $9 Harbor Freight, $16 Walmart, $2 movies, $6 snacks for movies, $9 lunch

SweetSilver 06-04-2014 05:02 PM

Having a little trouble with copying and pasting and quoting. Looking for options to preserve smileys. Tried quoting, but I can't find how to do nested quotes. This is going to be tricky.

For now:

6/4 :eat

tonttu 06-05-2014 03:10 PM

Hi , I am a SAHM to 7 kids , I am also a single parent !
I´ve been a member of MF for a while , but due to lack of Internet and lots of other stuff going on in my life , was on a break from it for a while
We moved from Scandinavia back to my native country last year and are in the process of renovating an old house , that we bought , so lots of building sites going on !
I am on an fixed budget , and all the money we had in savings , has been thoroughly depleted due to the move and a bunch of other stuff going on , so I am looking for ways to get back on track and also get ideas on how to manage our money even more efficiently

SweetSilver 06-05-2014 04:42 PM

6/1 :thumb
6/2 :eat Snacks, $15. Gas fill-up. Groceries and cat food.
6/3 NO :throb SPEND
6/4 :eat $12 snacks
6/5 :thumb Groceries. Cat food.

ETA: figured out an inelegant way to repost my spending without too much trouble, though not as easy as the old format. If anyone else is having trouble, quote your post then remove the "[QUOTE]" and edit. Then you can go back an quote the post again later and keep your smileys.

SweetSilver 06-06-2014 08:56 PM

6/1 :thumb
6/2 :eat Snacks, $15. Gas fill-up. Groceries and cat food.
6/3 NO :throb SPEND
6/4 :eat $12 snacks
6/5 :thumb Groceries. Cat food.
6/6 :eat $13 Lunch out for me.

SweetSilver 06-07-2014 03:37 PM

6/1 :thumb
6/2 :eat Snacks, $15. Gas fill-up. Groceries and cat food.
6/3 NO :throb SPEND
6/4 :eat $12 snacks
6/5 :thumb Groceries. Cat food.
6/6 :eat $13 Lunch out for me.
6/7 :thumb Groceries.

How is everybody doing? We've had low turnout for these threads the last few months. I promise to stick with it for June! Hopefully we'll see better participation in July.

sdelgadillo389 06-08-2014 05:16 PM

No spend: http://files.mothering.com/images/smilies/joy.gif
Budgeted spend: http://files.mothering.com/images/smilies/thumb.gif
Unbudgeted spend: :duh
Ate at home/Packed meals: http://files.mothering.com/images/smilies/eat.gif
Exercised: :jog

June 1: http://files.mothering.com/images/smilies/thumb.gif $268 phone debt, $2 pictures, $125 father's day gift for my dad http://files.mothering.com/images/smilies/eat.gif
June 2: http://files.mothering.com/images/smilies/thumb.gif $23-52 week challenge http://files.mothering.com/images/smilies/eat.gif:jog
June 3: http://files.mothering.com/images/smilies/joy.gifhttp://files.mothering.com/images/smilies/eat.gif
June 4: http://files.mothering.com/images/smilies/thumb.gif $9 Harbor Freight, $16 Walmart, $2 movies, $6 snacks for movies, $9 lunch
June 5: http://files.mothering.com/images/smilies/joy.gifhttp://files.mothering.com/images/smilies/eat.gif
June 6: http://files.mothering.com/images/smilies/thumb.gif $17 dinner
June 7: http://files.mothering.com/images/smilies/joy.gifhttp://files.mothering.com/images/smilies/eat.gif
June 8: http://files.mothering.com/images/smilies/thumb.gif $72 Party supplies, $40 summer clothes for DS, $10 lunch

SweetSilver 06-08-2014 09:24 PM

6/1 :thumb
6/2 :eat Snacks, $15. Gas fill-up. Groceries and cat food.
6/3 NO :throb SPEND
6/4 :eat $12 snacks
6/5 :thumb Groceries. Cat food.
6/6 :eat $13 Lunch out for me.
6/7 :thumb Groceries.
6/8 :eat $26 Snacks mostly.

SweetSilver 06-11-2014 02:45 PM

6/1 :thumb
6/2 :eat Snacks, $15. Gas fill-up. Groceries and cat food.
6/3 NO :throb SPEND
6/4 :eat $12 snacks
6/5 :thumb Groceries. Cat food.
6/6 :eat $13 Lunch out for me.
6/7 :thumb Groceries.
6/8 :eat $26 Snacks mostly.
6/9 :eat $14 out with girls. Oil change.
6/10 NO :throb SPEND
6/11 :eat $8 snacks. Groceries. Splurge on *new* bowls...

.... so I could stop sharing my bowls with the cat. Done with that! He used to have his own bowls, then we needed to give him more wet food, being an old cat, and we've been sharing dishes with him since (needs more bowl washing than kibbles), and I've been counting the days until I could afford some more (even thrift store dishes were off the budget.)

Now I have brand spankin' new ones, and he can have the old ones. Next on the list: new bath mats and towels. We are finishing the basement bathroom and need new rugs. And now said old cat is using our current rugs as a litter box. GAR!

SweetSilver 06-12-2014 07:16 PM

6/1 :thumb
6/2 :eat Snacks, $15. Gas fill-up. Groceries and cat food.
6/3 NO :throb SPEND
6/4 :eat $12 snacks
6/5 :thumb Groceries. Cat food.
6/6 :eat $13 Lunch out for me.
6/7 :thumb Groceries.
6/8 :eat $26 Snacks mostly.
6/9 :eat $14 out with girls. Oil change.
6/10 NO :throb SPEND
6/11 :thumb Groceries. $8 snacks. *New bowls. Cat food. Chicken feed.
6/12 :eat Snacky groceries. Gas fill-up.

AndtheStars 06-13-2014 04:43 PM

Hey All!
I was inspired by the first post to jump in even though I would love to put it off until July 1st. And then August 1st. And then September 1st.
I tried to do this a couple of years ago but I'm not online everyday so I don't do a good job keeping up.
Anyhoo...I am a WOHM, part-time and DH has a decent job with a local company. We have two boys, almost 5 and 2. We are ok financially, no debt except a small car loan and a manageable mortgage but I sat down and really examined our budget last night and if we keep spending on non-essentials like we do, we'll just be treading water for the foreseeable future.
My biggest goal is to get our spending under control so we can continue to pay tuition at our waldorf school for our oldest. And hopefully build enough of a cushion that sending the younger boy won't seem so impossible.
I'll try to do my best to keep up.

SweetSilver 06-13-2014 08:08 PM

Welcome, Andthestars! It's a bit quiet in here these days.

6/1 :thumb
6/2 :eat Snacks, $15. Gas fill-up. Groceries and cat food.
6/3 NO :throb SPEND
6/4 :eat $12 snacks
6/5 :thumb Groceries. Cat food.
6/6 :eat $13 Lunch out for me.
6/7 :thumb Groceries.
6/8 :eat $26 Snacks mostly.
6/9 :eat $14 out with girls. Oil change.
6/10 NO :throb SPEND
6/11 :thumb Groceries. $8 snacks. *New bowls. Cat food. Chicken feed.
6/12 :eat Snacky groceries. Gas fill-up.
6/13 NO :throb SPEND

Would have been great, except two of my clients flaked or rescheduled, so no dough.

SweetSilver 06-15-2014 04:29 PM

6/1 :thumb
6/2 :eat Snacks, $15. Gas fill-up. Groceries and cat food.
6/3 NO :throb SPEND
6/4 :eat $12 snacks
6/5 :thumb Groceries. Cat food.
6/6 :eat $13 Lunch out for me.
6/7 :thumb Groceries.
6/8 :eat $26 Snacks mostly.
6/9 :eat $14 out with girls. Oil change.
6/10 NO :throb SPEND
6/11 :thumb Groceries. $8 snacks. *New bowls. Cat food. Chicken feed.
6/12 :eat Snacky groceries. Gas fill-up.
6/13 NO :throb SPEND
6/14 :eat Snacks $12
6/15 NO :throb SPEND

SweetSilver 06-26-2014 11:23 AM

OK, so I dropped out again! However the last few days we've been able to rein in our snack spending a bit. Summer=more income, so I tend to spend a bit more, naturally. I'll be working out our income here soon--we are self-employed and I often don't know exactly what I'm making until tax time, which makes budgeting hard, but it must be done!

I'm rethinking how to approach this thread that I've slacked on, and it doesn't seem to be working for others, either. I'll see what we can do for July to make the purpose of this thread more effective.

Enjoying all the added work this month, but I'm tired of having it get in the way of what I want for around our home. But I keep thinking of the girls in gymnastics and maybe on the recreational team, or a "new" car now our old one is over 200K. Those keep me going.


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