September No-Spend Challenge: We're in the home stretch! Stay Strong Finish with us - Page 17 - Mothering Forums

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#481 of 1358 Old 09-08-2007, 04:09 PM - Thread Starter
 
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01..
02.. $12,
03.. ,
04..
05.. ,
06.. ,
07.. ,
08.. ,

My goals:

1. No-Spend Days = 7/20 days
2. Let the Car Rest Days = 6/15 days
3. McDonalds Safely Avoided = 8/30 days

We cleaned out our third garage (we only have one car, it is actually pretty strange that we have three garages...I'm guessing the people who built it had a boat or an RV or some other such thing that we surely can't afford) to get it ready for winter.

I have a huge list of things to post on Craig's list and maybe I'll make some money to put on the credit card? I hope so!

 

 

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#482 of 1358 Old 09-08-2007, 04:15 PM
 
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1 -
2 -
3 - 13.65 art supplies on 50% sale
4 - 31.08 pet stuff
5 - 160.67 groceries
6 -
7 -
8 - talked myself out of going shopping

frugal progress:
use budget
hang/rack dry laundry
stay home

groceries (including pets) 191.75/320
misc (includes future renn fest visit) 13.65/40 -> 26.35 to be saved for renn fest

sarah
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#483 of 1358 Old 09-08-2007, 04:28 PM
 
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September Tally
09/01 [Bought a couch for the house, which was budgeted, but still couldn't sleep for two days because it was expensive! But it was on-sale!]
09/02
09/03
09/04
09/05 $15.00 on take-out lunch But I scored free parking at school!
09/06 $60.00 on make-up for 2 upcoming weddings...$20.47 on summer clearance shoes that I ADORE! It's starting to get to be a spendy month...:
09/06 found a dress for the wedding $31.50 (65% off! Score! )
09/07
09/08 (scored free lunch and have a wedding...so free eatin' today! )

September Goals:
  • Eat out 3/30 days
  • Save $ 1/30 days
  • Packing 0/30 days

Summer: crafty mama to 2 little girls and wife to Bob
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#484 of 1358 Old 09-08-2007, 04:51 PM
 
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Sept 1 - spent $7, saved $29.60
Sept 2 - spent $35.05 (groceries), saved $1.55
Sept 3 - spent $19.54 (eating out), saved $17.06
Sept 4 - spent $0, saved $36.60
Sept 5 - spent $36.97 (eating out) , saved -$0.37
Sept 6 - spent $24.94 (groceries), $10 (cash for carnival on Sat.) , saved $1.66
Sept 7 - spent $24.05 (lunch out - planned), $12 (gas) , saved $0.55 - $95.04 in unplanned cc charges
Sept 8 - spent $15 (co-pay), $10 (antibiotics), $61.49 (inhaler spacer), $6.37 (snacks at the drug store) , saved -$56.39

Well the doctor thought that we were playing with potentially getting walking pneumonia, so there was some damage at the drug store. 2 inhalers (free samples! luckily), antibiotics, and a pediatric inhaler mask later the damage to the bank account is clear. But DS feels better, so who can argue with that?

Total saved so far this month: $30.39
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#485 of 1358 Old 09-08-2007, 05:14 PM
 
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Originally Posted by Chris10AS View Post
I haven't read any other responses yet besides this one but I just had to respond. I completely disagree with this. What you would be doing for this family is not the equivalent of a daycare. A daycare does not pick up/drop off kids and it does not take care of kids in their homes. You will essentially be a nanny. Nannies are far better paid. They are far more inconvenienced too. Its not like you can watch any other people's children at the same time like in a typical daycare. I think you should earn a good hourly wage but I have no idea was to reccommend. Maybe I'mnotsupernanny can help.
OK, I posted a loooong response to this and it crashed, so I'll do it again. I am a nanny for two older kids, and do all of the pickup/delivery type things described by the OP. I make 650 in the summer for all-day care M-F (includes taking kids on LOTS of outings, to music/art classes etc.) my day in the summer is approximately 9.5-10 hours long-Kids are usually at their house, though we do travel to my house from time to time (i.e. if I have a workman coming in or if our outing takes us closer to my house for lunch). In the winter/fall I do after school care with same drop off/pickup type scheduling from about 2:45-6:15 and I make 200 per week. There is a higher cost of living in my area than in Sc, but the OP described kids who are younger kids and so require more supervision than my 6 and 9 yr old do (so I would charge more for this kind of care), I also bring my Dd there of course, and that doesn't affect how much I charge since it was a condtion of my taking the job.
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#486 of 1358 Old 09-08-2007, 05:20 PM
 
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I need sanity tomorrow...I have budgeted spending money and I DESPERATELY need to purchase a pair of jeans (the only pair I have that sort of fit are early pregnancy jeans and they are too big). I only need one pair and I do not need to overspend. I only need one pair, I only need one pair, I only need one pair.
..Rachel. are you willing to do Vintage/Resale? I bet the Brown Elephant on halsted- which has dressing rooms, would have and least one pair of doable jeans. and for nowhere near the $$$ of new
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#487 of 1358 Old 09-08-2007, 05:52 PM
 
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Sept 1: +$30 SIL's yard sale
Sept 2: $21 on comfort food
$31 on fabric for friend's baby quilt
Sept 3: $5 on chick flick rental and junk food
Sept 4:
Sept 5: $20 school books
Sept 6: $14 mothering mags
$10 pizza
Sept 7: $5 drinks with girls

Week 1 Total: $76

Sept 8: $30 kids consignment shop (partial need)
$5 paint sample
$10 decoration stuff
$2 snacks

Today was the big weekly shopping day and we stayed in the overall weekly budget. Found a great halloween costume and Levis for ds2, and got lots of peppers for freezing at the farmers market. Good day!
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#488 of 1358 Old 09-08-2007, 06:07 PM
 
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1. Please introduce yourself and tell us anything you think it would help us to know about yourself.

I'm Kira married to a great hubby, with two girl-ly's a dog, a cat, and a garbage disposal brother who stays with us most weekends. We try to save money on all we can to pay down those student loans!

2. Please tell us why you have decided to spend nothing (or spend significantly less) for the Month of September. Memorize these goals and recite them to yourself before all purchases.

Less spending = more $$ to student loans!
less student loans =

3. No spending is hard work. You need a plan. Please tell us your game plan -- how do you plan to approach no spending for a month?

making lots from scratch. reuse-recycle!!
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#489 of 1358 Old 09-08-2007, 06:35 PM
 
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We have been home doing things around the house today, so A good no spend day!! Also I am going to list a few things on DS later today so hopefully I will make a little $..

Sept 1 72.87 in textbooks (but budgeted)
Sept 2
Sept 3
Sept 4
Sept 5 38.24 payment for coop that I couldn't get out of this late
Sept 6
Sept 7 $3.99 on a magazine + $15 on yummy fabric
Sept 8

No spend days: 5/20
No Diaperswappers: 7/26
Save $$: $150/700
Pay cc down $300: 18/300
Less than $300.00 in non-essential spending: 57.23/300
Park the car days: 2/7
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#490 of 1358 Old 09-08-2007, 06:43 PM
 
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I will not record Gas and Groceries and fertility meds- those are necessities.

I WILL record all other spending though.

9/1-
9/2- $7.56 at CVS on Heating Pads.
9/3- $1.26 Index cards, $18 2DVDs @ Circuit City, $23.58 on ebay
9/4-
9/5- $25.75 on ebay.
9/6-
9/7-
9/8-

Proud mama to : Nicholas James born 3/19/09
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#491 of 1358 Old 09-08-2007, 06:51 PM
 
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Sept 8th: s. Only spending was $19.45 on groceries which is budgeted.
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#492 of 1358 Old 09-08-2007, 06:53 PM
 
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Quote:
Originally Posted by imnotsupernanny View Post
I was watching OZ with my friend and having pizza! (my share was only $5)

It really sounds like this woman wants a little more then a babysitter. When I think of babysitting I think of going over to a families house on ocasion and wathing the kids for a few hours,either at night or in the day for cash.

It sounds like she wants more of a nanny situation then daycare. If you offer home daycare then you can watch more kids (you'd have to check how many you can have legally) and you get paid a flat rate and it's lower then what a nanny gets.

She would need you from 9-1 on Mon-Thurs? Then Fridays from 7-4? You also pick them up and drop them off at the school?

It's a full time job and you should be earning decent money for this. You could either charge an hourly rate or a flat rate. Look around and see what babysitters/nannies make in your area and if you want to charge her a little less then do that.I'd have a written agreement though just so you know what to expect from eachother and there are no misunderstandings. You have to decide if this is going to be paid by cash or something you will claim.

I hope that helps!
She would need me from 7-4 M-F. M-Th would be dropping the kids off at school at 9 and then picking them up at 1 and then staying with them at the moms house til 4. Fridays would be all day from 7-4. So technically I would be with them from 7-9 and then 1-4 on school days. Fridays would be the only all day day. I'll look around to see what other nannies make here. But do you think that $10 an hour is too much for 2 kids?

Proud mama to : Nicholas James born 3/19/09
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#493 of 1358 Old 09-08-2007, 07:00 PM
 
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Yeah! Another no-car and no-spend day for me! It was a hard one because I was feeling down and really wanted to go shopping (even just for food) to get out and feel productive/have spendy fun. I really need some new ideas for ways to pull myself out of depression when it gets bad some days. Free ideas that is!!
Tomorrow may be a no spend day but we need to do a little clothes shopping for DS so we may have to go to the mall.
Oh-
Lisa C.: Thanks for the info on your budgeted daily amount. DH and I are working on a budget and I may try this next month. I really like the idea of it. Especially playing the game of staying under the amount even for necessities. Thanks again.


As of today:
No Starbucks days: 8/20
No Dunkin Donuts: 6/10
No spend days:2/10
No car days: 2/7
Impulse/Over-Spending: $25.00
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#494 of 1358 Old 09-08-2007, 07:02 PM
 
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Originally Posted by liangel View Post
She would need me from 7-4 M-F. M-Th would be dropping the kids off at school at 9 and then picking them up at 1 and then staying with them at the moms house til 4. Fridays would be all day from 7-4. So technically I would be with them from 7-9 and then 1-4 on school days. Fridays would be the only all day day. I'll look around to see what other nannies make here. But do you think that $10 an hour is too much for 2 kids?
Absolutely not too much!I would of course be willing to negotiate, but, that is basically 5.00 per child-not counting that you will be spending on gas and other things when transporting kids- I always have some healthy snacks on hand etc. (I.e. fruit leathers, small bags of nuts). I equate it out and I'm making about 12.00 per hour, BUT my employers also cover the cost of withholding so I'm still paying into Social Security etc.- makes a difference for me at the end of the year when i don't pay so much in taxes.
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#495 of 1358 Old 09-08-2007, 08:14 PM
 
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1: Stayed under budget on stops at hardware store, co-op, and vitamin store -- although spent $3.42 on faux M&Ms.
2: Spent $6.50 at fast food place while taking a break from 5-hour ER trip with husband.
3: No spending!
4. $2 to park at medical center
5: $18.65 on new M&M Accomodation Plan
6: $5 on two more house keys, $32 on overdraft charges from totally preventable Paypal mistake.
7: $3 on parking at Dr., $8 on coffee-and-cookie run, $10 prescription, and $100 on groceries.
8: No spending!

Progress September Goals:
2/7 actual no-spend days
$69/<$75 in discretionary/preventable spending
1/0 lattes
0/0 unfunded credit card charges!
and
figure out how to cheaply accommodate M&M habit: having partial success
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#496 of 1358 Old 09-08-2007, 08:41 PM
 
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9/8 No spending!

SAHM to the munchkins (14.5, 11.5, 9.5, 3, and almost 2)
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#497 of 1358 Old 09-08-2007, 08:49 PM
 
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SEPTEMBER GOALS

Sep 1 - - KMart (budgeted - $24)
Sep 2 - - Grocery (budgeted, meant to only spend $30, but the last minute, impulse purchase of dried cantaloupe put me over - still giving myself a tho), Made $20 on TP
Sep 3 - - $235 on flower essences - Panera, but it was on a gift card, so not counting it.
Sep 4 - - $29 on groceries at BJ's (5 lbs organic broccoli, 3 lbs organic berries, 4 lbs cheese).
Sep 5 - - Absolutely a no spend day!
Sep 6 - - Well, $156 trip to the grocery, but it's my once a month trip to TJ's and I stocked up on pantry stuff, so I think it was ok. I bought more prepackaged items than I was planning, that's why I think it was so high (I usually don't spend more than $130.) Also, $5 fruit salad and $10 for DH's lunch. It wasn't at McD's, but it was still fast food. Amending this - $3.25 at McD's...grrr.
Sep 7 - - $44 at Michaels (ok spending)
Sep 8 - - Absolutely a no spend day! (Picked up DS's new bike, but I paid for it last month, with cash!)

My goals this month:

No online buying - 6/30
No McD's (make and take my own coffee) - 7/30
Groceries - $219/$500
Thin babywearing stash - at least 0/3 wraps
Pay off paypal credit card - 0/$456
Discretionary Spending - 318/500

*~* A * Mama to C and A * *~* I blog - PM me for the URL
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#498 of 1358 Old 09-08-2007, 09:12 PM - Thread Starter
 
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Quote:
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8 - talked myself out of going shopping
Go Sarah!!! Good job

 

 

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#499 of 1358 Old 09-08-2007, 09:21 PM
 
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Sept 4 - $0 spent
Sept 5 - $31.33 gas
Sept 6 - $66.00 groceries
Sept 7 - $9.44 lunch out, $210 carseat for DS
Sept 8 - $3.00 clothes for ds, $6.26 produce at farmers market, $6.50 ice cream, $26.00 dinner out

Totals:

Gas: $31.33
Food: $114.20 (41.94 eating out)
Clothes: $3.00
Other: $210.00

Not really doing too well.
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#500 of 1358 Old 09-08-2007, 09:24 PM - Thread Starter
 
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Summer -- Get to packing!

 

 

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#501 of 1358 Old 09-08-2007, 09:30 PM - Thread Starter
 
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Quote:
Originally Posted by nicoley73 View Post
Sept 7 - $9.44 lunch out, $210 carseat for DS

Totals:

Gas: $31.33
Food: $114.20 (41.94 eating out)
Clothes: $3.00
Other: $210.00

Not really doing too well.
What?!?

Nicoley -- this looks like a STELLAR no-spend tally to me.

That $210 other was for a ~car seat~ That is a necessity. From what I can see the ONLY frivolous spending is $40 on eating out. That is minor stuff. Next time you'll eat at home.

You are doing great -- don't be so hard on yourself. Remember, we're not counting necessities. You have to eat, you have to have transportation, you have to clothe your child, and you have to have a car seat.

Don't get discouraged. You are doing fine.

 

 

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#502 of 1358 Old 09-08-2007, 09:30 PM
 
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Well my totals for today are done. Spent all of my $50 budget for Christmas gift supplies. But now I have everything to make almost all of our gifts. Next month's Christmas budget should cover the last bit so yeah!!!
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#503 of 1358 Old 09-08-2007, 09:31 PM - Thread Starter
 
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Quote:
Originally Posted by ezrasmummy View Post
It was a hard one because I was feeling down and really wanted to go shopping (even just for food) to get out and feel productive/have spendy fun.
This is a hard one for me too...because I definitely ~do~ feel better when I shop and I feel more "productive" when I have gone out and hunted and gathered something new for our house or for the kids. Like I'm doing my job or something.

I enjoy the shopping tremendously...even though we have huge credit card debt and saving the money would help our family out so much more than the shopping.

So I'm looking for an answer to your question of what to do instead of shopping too.

For me, right now, with absolutely no money in the bank until September 15th, here is what I have been doing for the past seven days...

The What to Do Instead of Shopping List:

1. Take the kids to the park.
2. Go for a run/walk/bike ride
3. Play in the kiddie pool or run through sprinklers
4. Read
5. Chat on Internet discussion boards (hi there!)
6. Go to the gym
7. Clean my house
8. Mow the lawn
9. Call every friend that I've been meaning to call for the past year
10. Have your neighbors over for coffee
11. Clean out the filing cabinet
12. Cook, cook, and cook some more
13. Weed the flower beds
14. Play board games with the kids
15. Update the family scrapbook

Let me tell you...these activities have not been as fulfilling to me as a good trip to the mall...BUT they do pass the time and I can definitely see how I would grow to love them.

It is tough. For me shopping is out of control, so it is useful to remind myself that there are other activities that are also productive but won't put our family deeper in debt.

Ezra's Mommy -- I hope that helps!!! Good luck to you.

 

 

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#504 of 1358 Old 09-08-2007, 09:40 PM
 
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This is a hard one for me too...because I definitely ~do~ feel better when I shop and I feel more "productive" when I have gone out and hunted and gathered something new for our house or for the kids. Like I'm doing my job or something.


9/7 - $6 postage on BookMooch obligation. Did NOT get any Starbucks on the way home from the post office.
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#505 of 1358 Old 09-08-2007, 09:47 PM
 
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What?!?

Nicoley -- this looks like a STELLAR no-spend tally to me.

That $210 other was for a ~car seat~ That is a necessity. From what I can see the ONLY frivolous spending is $40 on eating out. That is minor stuff. Next time you'll eat at home.

You are doing great -- don't be so hard on yourself. Remember, we're not counting necessities. You have to eat, you have to have transportation, you have to clothe your child, and you have to have a car seat.

Don't get discouraged. You are doing fine.
Thanks. We're really not that into *things* in my house, but spend too much on eating out. I'm trying to keep my food budget total to $400 month - which should be plenty for two adults and a toddler.

I'm stressing because I think we'll be putting an offer in on a house - which is a big financial commitment, and said house needs a lot of work, as well as appliances - another big expense.
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#506 of 1358 Old 09-08-2007, 09:49 PM
 
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9/7: - a few drinks w/ friends turned out on the house..
9/8: $55.00, not budgeted but needed--gas and tropical storm supplies (extra water, batteries, junk food, etc--probably won't need them, but just in case...)
$15.00 pizza take out--mil visiting for the day...so much easier..


should be stormy/rainy/hurricainy for the next few days so don't plan to leave the house, makes no spending easy!!
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#507 of 1358 Old 09-08-2007, 10:37 PM
 
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No spending today. And the car got a much needed day off. Added bonus - who knew staying home could be less stressful than taking 3 kids out shopping? Duh!!!!

Tonja

Wife of 20 years to my superhero firefighting DH. SAHM to 2 boys and 2 girls (3 babies in Heaven- Baby # 5 5/2010 & Baby #6 8/2011 & Baby # 7 2/1013). Cancer Survivor 2011 ( Persistent Malignant Gestational Trophoblastic Disease)

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#508 of 1358 Old 09-08-2007, 11:01 PM
 
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Does it count as no spending if you are spending someone else's money? That sounds weird but I've been buying some stuff for a childcare set-up for 4 days of yoga trainings since I'm doing work-study exchange so I can go to the trainings. But I've been super frugal and it's not my money.

Other than that, I've only spent about $25 on groceries, $2.50 for pizza, and $15 on offerings for a Buddhist practice that comes twice a month. I don't currently have a car or rent or any other bills. I live at the dharma center as a caretaker but I also have no income.
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#509 of 1358 Old 09-09-2007, 01:19 AM
 
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Sept. 1:
Sept. 2:
Sept. 3:
Sept. 4:
Sept. 5:
Sept. 6:
Sept. 7:
Sept. 8: $100 - domain registry snafu

GOALS:
* Less than $150 in frivolous spending: month to date $100
* At least 20 days (no spend or spending w/in budget): 7/30
* No McDonalds: 8/30
* Avoid Target: 7/30
* Pack snacks/water for outings: 8/30
* NO library fines: month to date $0
* Stay within grocery budget: $391.67/$430

Kim
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#510 of 1358 Old 09-09-2007, 02:29 AM
 
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Join Date: Nov 2005
Location: In Seattle, but searching for home
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09/02: no spend
09/03: $2 on balloons for the girls
09/04: $1 on a book at Goodwill
09/05: $24 at Target for work-out shorts for me and two Halloween playground balls for gifts
09/06: no spend
09/07: no spend
09/08: no spend

I'm having a hard time figuring out what exactly to report, but I've decided anything that we don't absolutely need, whether or not it's in the budget, is something I should report.

I have figured out that I'm WAY overspending our budget on groceries, though, by about 25%, so I will have to work on that next month. :
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