December No-Spend Challenge -- Holidays are going strong...you can do it! - Mothering Forums

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Old 11-27-2007, 05:14 PM - Thread Starter
 
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This thread is a support thread to help you ~not spend your money~. Everyone is welcome to join (we would love to have you) and you are welcome to start at any time. It doesn't have to be December 1st.

The plan is simple (although very tough to execute):

1. Vow not to spend any money on unnecessary purchases.

2. Come on here everyday and record your spending.

3. If you think that you absolutely MUST buy something, come on here and tell us about it first. Sometimes taking the time to come on here and post before you buy something will help you not buy it.

4. Provide encouragement for your fellow non-spenders and try to talk THEM out of buying things.

Good luck Ladies!! Let's have a strong Decemberr!!! Keep that money in your wallet.

ETA: Our no-spend threads tend to get very long...if you are new and considering joining us you don't need to read the entire thread (unless you want to). Just read the first three entries and jump right in. Start your no-spending today!

 

 

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Old 11-27-2007, 05:15 PM - Thread Starter
 
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Some caveats...

*Groceries, utilities, clothing for you and your family, transportation...these things are necessary. You don't need to record things like that.

*Only YOU can determine what is necessary. We are a non-judgemental group.

*Record whatever will cause YOU to spend the least. If you feel guilty about coming on here and fessing up -- then this thread is working perfectly.

*Don't get discouraged if you spend -- our goal is PROGRESS not PERFECTION. We all will spend this month...let's admit that up front...Our ideal is no-spend...but we'll be happy if you just spend less.

Please don't take an all or nothing attitude. You will see progress if you stick with us...I promise you that.

*If you have time to read everyone else's post and do personals, hurray! That helps our thread do its job...but if you don't have time, then just post your tallies. We have plenty of successful no-spenders who do only that.

 

 

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Old 11-27-2007, 05:16 PM - Thread Starter
 
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1. Please introduce yourself and tell us anything you think it would help us to know about yourself.

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

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?

 

 

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Old 11-27-2007, 05:23 PM
 
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I'm a SAHM to two young girls (ages 3 and 1) and I also have total control of our budget (DF is self-admittedly terrible with money), so it's all on my shoulders to make sure we spend our money responsibly. A chore I welcome and also stress over. I'm also completely obsessed with wedding planning!

In the longer range we have alot of debt to dig ourselves out from under from some terrible choices DF made in his past. We want to drastically improve DF's credit and buy a home some day.

In the shorter term we want to be able to make all of our ends meet on one salary while shovelling as much $$ as we can in to the debt while simultaneously saving for our Summer (or Fall) 2008 wedding. (Fun, fun!)

I also want to just break free of my (our?) need for material posessions. For shopping and buying stuff. For accumulating stuff-- most of it stuff we don't need. Stuff I think will make me happy, but doesn't (nor should it). I want to stop spending so much not only to help save money, but also to break the cycle of, well, spending so damn much and accumulating things we don't need and deep down, really don't want. In my core I am a minimalist. I love to throw things away, donate things, sell things. I don't know why I keep gathering things, as well. I need to break free from the idea that owning things = security and success.

My goals are:

1. Have at least 20 no-spend days.
2. To keep our grocery and household items within the budget.
3. Spend NO money on the credit card.
4. $600 budget for Christmas gifts.

KEY:
=true no-spend
=spending within the budget
=out of budget spending

I also have more abstract goals of replacing things we use/buy with cheaper, more earth-friendly options, finding more things for our family to do that don't cost money, eat out less and drive less.

September was my first month of the no-spend challenge and I'm SO excited about going through it all again with you all for the fourth time in December!

September: 17 no spend days and $365.75 in frivolous spending
October: 23 no spend days and $251.00 in frivolous spending
November: 17 no spend days and $260.50 in frivolous spending
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Old 11-27-2007, 08:47 PM
 
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Count me in! I don't always post but since I started doing this and Dave Ramsey in September it has drastically changed our life and outlook on life.

I am a SAHM to two and hopefully a few more by adoption someday. I really want to get our finances in order to be able to expand our family.

My goals:
1. Stick to budget
2. Try to drive less
3. No frivolous spending and no eating out.
4. Continue to keep energy cost low by not turning on heat or AC and turning everything off when not in use

Homeschooling Momma to DD 8 years old, DS 7 years old, DS born 03/11 by adoptionheart-1.gif , waiting for DD born 07/10 and two furry labs. Wife to my wonderful husband of 12 years.
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Old 11-27-2007, 08:56 PM
 
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I'm in again too. But I need to revise my goals from November so that I can actually meet them this month!!!

Be back later to post goals.
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Old 11-27-2007, 09:59 PM
 
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Ok, this is my first month. We found out today that my income will come to an end at the end of December. I am due with our next babe in April and we have to find a way for me to continue to stay at home with the kids after April. I don't actually spend that much, but a no spend December will help with our long term goals.

So, my goals:
*No eating out.
*Stick to our food budget and grocery list--NO EXTRAS!
*Only home-made gifts.
*(The big one) Try to get hubby on board.
*Write down every purchase we make.
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Old 11-27-2007, 10:06 PM
 
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OK, so hear goes with the goals:

12 no drive days
15 no spend at all days
8 take out/restaurant meals
31 turn off the computer nights
$50 mad money

Possible Pitfalls:
1. DS' first bday and first Christmas. I don't have a plan for spending yet on these things and I need to get one.

2. Christmas itself. I host dinner. We already have the main course, but I need sides and desserts. I need a budget for this.

3. Holiday guests. Usually end up going out to eat or spending more. Need to make sure not to lose sight of my goals in all of this.

Looking forward to December b/c November is not ending well!
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Old 11-27-2007, 11:49 PM
 
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1. Please introduce yourself and tell us anything you think it would help us to know about yourself.

Jenny SAHM to an almost four year old little girl.

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

I have been spending waaaay too much the last few months and it needs to stop. I have Christmas preents to buy so I really shouldn't be buying more stuff for the house and dd right now.

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?

Jenny, proud maker of red things
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Old 11-27-2007, 11:50 PM
 
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Quote:
Originally Posted by Crunchy*VT*Mom View Post
1. Please introduce yourself and tell us anything you think it would help us to know about yourself.
I'm LuAnn, wife to DH, SAHM/WAHM/student mama to almost 9MO DS--my precious! Been a no-spender since July I think.

2. Please tell us why you have decided to spend nothing (or spend significantly less) for the Month of December. Memorize these goals and recite them to yourself before all purchases.
Gotta spend less! Had almost $200 in unbudgeted spending in Nov, lost much of our tiny savings, and can't afford to do that again! I have one more medical transcription tuition payment this month, but I'm saving for the course upgrade. I may not need it, but I want to know the money's there if I do. If I don't use it, I'll put that money in savings.

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?
Same stuff I've always done I guess, + not buying anymore presents for others or treats for myself. QT sessions don't count, as they're a health expense. I'm budgeting $50 for that--either one hour or 2 separate half hour sessions. I wish I could afford more, but I can't. So I won't.

All ready to go again...
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Old 11-28-2007, 12:13 AM
 
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1. Please introduce yourself and tell us anything you think it would help us to know about yourself. I'm Desiree...sahm who is a spendaholic. I'm on a very limited Unemployment Insurance budget - that is our only income. We do have a savings, mostly due to severence pay, but it is dwindling due to our useless purchases. I've tried for the past 3 (??) months to be a part of this challenge, failed, gave up...and once again i'm trying!

2. Please tell us why you have decided to spend nothing (or spend significantly less) for the Month of December. Memorize these goals and recite them to yourself before all purchases. I decided to stick to my budget this month because i NEED to save money. For every dollar i've been putting in my savings...we've been taking $1.50 out - or so it seems. If i don't start sticking to my budget religiously then when our UI runs out we'll eat through our savings in a matter of a couple months and we'll be scr*wed. I used to be super frugal...and i mean queen of frugal, lol. So i KNOW i can get back to it...it's just going to take some mega-discipline, and honestly, seeing my $140 in OVERDRAFT fees today (that's 4 overdrafts...man, that $40 subway sandwhich wasn't *that* great!) I'm feeling pretty gung ho.

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?[/SIZE][/COLOR][/QUOTE]Well, December wont be THAT hard for me to no spend because my shopping is pretty much done. Actually - it's totally done...other than food/toiletres. Thrift stores are a BIG downfall for me. I get $25 spending cash a MONTH and i'm vowing not to enter a non-food store with my wallet until i get that money. I don't really want to go to any stores- but my mom might drag me, so that is why i'm saying i'll leave my purse home....no temptation!

Now, me and my mom do have a tradition of shopping the day after Christmas for new clothing. I NEED new clothes...but i'm not spending MY money on them - i always get some money from my mom and dad as my present, so that is what i will use.
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Old 11-28-2007, 12:15 AM
 
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1. Please introduce yourself and tell us anything you think it would help us to know about yourself.

I'm sandy, a single mom of 14mo DD. We live with my parents, and share pretty much everything - including the bills. I'm out of work thanks to a thyroid problem / back issues.

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

Dave Ramsey - I'm starting FPU in January, and want to get a big shovel started for it!

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?


1. 15 no spend days /15
2. 20 Eat at home Days /20
3. 20 Stick to the List Days {We grocery Game} /15
4. Craigslist/Ebay/Half.com Goal /700
5. Surveys /?
6. Stick to the grocery Budget! /500
7. Blow Funds /100
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Old 11-28-2007, 12:21 AM
 
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My Goals:

* Stick to budget
* Do not withdraw any money from savings unless it's a TRUE NEED (medical/dental/car)
*No eating out or late night junk food runs
*Drive less (gas prices stink!)
*Don't bring my wallet if i'm accompanying my mom shopping

31/31 no spend (outside my budget days)

-That's my only real goal...if i stick to *that* everything else will be accomplished as well
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Old 11-28-2007, 03:09 AM
 
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Oh I have GOT to do this.

I am a SAHM to two boys, a husband, a brother, and one girl the DOG.
We are done with christmas shopping except for fabric for DH's blanket. I have a FULL shelf of canned veggies (i'm talking 36 cans) a freezer of meat, and KNOW that I only need the dairy, breads, and fruits/veggies to get us for the next 2 weeks. I DO NOT want to eat out in december other than promised days, Carino's this weekend (my bestfriend's dh gives us Carino's certificates to go out and have fun), and mystery shops. We are looking to renovate the kitchen come January 1st and buy a rocking recliner for our family room. I want to be able to pay cash for HALF of these purchases and we have 500 saved so far.

I am a mess when it comes to spending...I realize I spend because I get bored at home and just want to get OUT. so we end up at target. *sigh* target : *sigh* So December I hate crowds so what better month to stay home buckle down and STOP spending!

Ok Goals.

NO SPENDING for 17 days. 17WOMAN17
Keep the Grocery budget UNDER 300
HAVING FUN Funds 120
Gifts/Play 50

Proud Momma of 2 boys R(6) L(4) & finally a GIRL (5/29/10)
..Fused & Fabulous!
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Old 11-28-2007, 05:06 AM
 
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This will be my fourth month here!
I am a SAHM to a 4 year old dd and a 2 year old ds, we have ALOT going on right now money wise with an upcoming vacation, Christmas, home renovations approaching, cc debt, student debt, and car payments. Not easy with one income so I have to keep more control of our money and where it goes! We are also thinking about getting pregnant in the next year or so, and I would really like to have a fairly large savings account prior to another baby..
This month is going to be hard and tight! Our vacation is finally here! So excited, but I am alittle worried about recovering afterwards. We have all the money together for it though!
We are going to continue to keep our card spending at an absolute minimum!
After all is said and done this month, we are going to really tighten up our finances.
I have also been thinking about cutting my tyes with my beloved paypal account! I spend way to much on it! So I have been thinking about taking off my bank account and credit card info. That way if I want to use paypal, the funds have to be in the paypal account from selling item that we don't need anymore. That will be a big step for me, and truthfully I don't know if I can do it! We shall see:

Goals:
No spend days: 23
No DS, Etsy, DT: 27
Non-essential spending <$200
Save, Save, Save!

Exclusions:
Christmas presents, but I have to keep it <$400.
Disneyland: we have the money already, it is budgeted so I am not going to count it
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Old 11-28-2007, 06:26 AM
 
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Originally Posted by Crunchy*VT*Mom View Post
1. Please introduce yourself and tell us anything you think it would help us to know about yourself.

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

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?
1. I'm Claire, wahm to 2 daughters, a DH, and 5 pets.
2. We have no wiggle room in our budget. We have in the past spent more than we have coming in. CC debt will be paid off this month, and I do not want to create more debt. Would also like to pay extra on our (DH's) car payment.
3. the plan? um, I'll work on that and come back later. We will be gone most of the month staying with my family, so we won't be spending as much on groceries, etc, but need to figure out the other spending and come up with a budget. Hopefully will finish all Christmas shopping in November, so we'll see.

thanks for starting this up again!
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Old 11-28-2007, 08:48 AM
 
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1. I'm Dennie, SAHM to a 2.5 year old and one due by the end of Dec. I'm also a student, taking general internet courses while waiting to see if the wrist problems I'm having are all pregnancy related and whether or not I'll be able to return to massage school or have to give that up.

We live with my parents in their basement. The rent they charge is the same as renting a studio apartment somewhere else, but they allow us to live here with our child(ren) and 2 dogs. We have a consolidation loan from when DH's ex-business ran out on some of their business debt when he sold the business, a motorcycle payment, and cc debt. Our total debt from the 3 is around $20k. We don't count my student loans just yet since I'm still in school. We really need to get the cc debt and the consolidation loan paid off so we can afford to move to our own place whether that place is a home or a rental.

I plan on trying to work part-time after the baby is a few weeks old, but until that time we're on just DH's income. We want to be able to afford what we *need* and pay more than minimum on our cards on his income alone so that everything I make can go towards debt repayment once I do start working. That way we can continue to pay more than minimum payment from his checks, and make even more extra payments with my checks.

To succeed at no-spending/less spending we will:

-Cash only...once the cash is gone, it's gone. Period. Doesn't matter what's in our checking account.

-Plan one day a week to leave the house and do all of our errands on that day to save gas.

-Make menus for suppers with my folks. Utilize Angel Food Ministries. Buy iced tea to brew at home and hope that settles DH's addiction (he swears the kind you make at home just isn't as good). Convince DH to take some food with him to work so he isn't tempted to buy food there (works at a convenience store- talk about a budget buster! . Shop at Aldi's, Sam's Club, and Wal-Mart instead of Hy-Vee.

-Go to goodwill for jeans post-partum since if I'm like I was last time, I'll be changing sizes a LOT in the next 7-9 months.

-Do not get on Craigslist!

-Instead of taking dd to the play area at the mall, go to the zoo or Children's Museum (we have memberships) so we're not tempted to spend money at the food court or Target (that's right; our Target is INSIDE the mall! PURE EVIL!).

-Utilize the library for DVDs and books/magazines. Pester local libraries to start carrying Mothering.

-Instead of going out to eat with my friend and her boyfriend (who DH is friends with), suggest alternating weekends to host dinner at each other's homes.

-Buy items to make pizza instead of going to Papa Murphey's all the time!
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Old 11-28-2007, 10:07 AM
 
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I am a SAHM to two boys, but plan to start working pt. This is my third month on this thread. I have really changed my behavior! We are on Dave Ramsey's plan and want to pay off all debt, but our long term goal is to live differently. We want to consume less! We realized that our entertaining shopping sprees are not worth it. We want to spend our money on travel and entertainment (once our debt/ is gone), NOT junk.

I will NOT patronize any fast food places!
I will NOT patronize any big box stores except Home Depot if necessary.

GOALS:
Food from the grocery store: $0/$500

Eating out: $0/$50 (DH has the same amount)
gas: $0/$200
races (DH and me): $0/$50 (I might use mine toward yoga though)
Christmas: $0/$150

0/31 NO FAST FOOD!
0/31 NO BIG BOX STORES!


KEY:
: True no spend
Spending within budget
: Spending outside budget
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Old 11-28-2007, 10:18 AM
 
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I'm definitely in! DF and I just bought a house; we have one DD who will be two on December 13th. I went way overboard with Christmas shopping and now I need to take a step back and relax. I'm a pretty compulsive shopper.
My goals are:
Have at least 20 no-spend days in which I buy nothing at all (new carpets and flooring for the new house doesn't count since that's already budgeted for)
Pay at least $400 down on the credit card (working s-l-o-w-l-y to get out of debt)
Do not touch the credit cards
Put at least $500 into savings

Look forward to working on this with you mamas!

Lauren
Mama to one awesome little girl and her adorable baby brother.
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Old 11-28-2007, 11:43 AM
 
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1. Please introduce yourself and tell us anything you think it would help us to know about yourself.
I am Sarah Mom to 4 childern and wife to Joe . We are also on the Dave ramsey program .

2. Please tell us why you have decided to spend nothing (or spend significantly less) for the Month of December. Memorize these goals and recite them to yourself before all purchases. Well We are on Dave's plan and are trying to get out of most of our debt by July so we can start saving for our new kitchen and NOT go in to debt over it .

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.

The goals :
/20 no spend days
/49 for rest of christmas present from me Dh has money as well but I am not counting it as I have no clue how he will spend it .
/185 for the whole month on gas
Pay off on credit card with school money we are getting in dec and finish paying off best buy credit card with regular income .

I have to buy a 4.00 book for a childerns christmas part me and my 3 yr old are going to . Also DS needs his hair cutt befor his christmas play 10.00 . Dh just reminded me that we also need a siter two nights in dec so thats another 40.00 .

Learn how to make bread without bread mechian, and also see if I can make soft taco shells and corn bread . I spend a ton on these items every month so if I can find a cheaper way to get these items it will save me some money .
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Old 11-28-2007, 04:17 PM
 
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-Cash only...once the cash is gone, it's gone. Period. Doesn't matter what's in our checking account.
This is what I need tattooed in my brain! We have been struggling with this for months!!
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Old 11-28-2007, 07:26 PM
 
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This is what I need tattooed in my brain! We have been struggling with this for months!!
I made the leap and cancelled mine. DH still has one, but hopefully he'll ditch that too.
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Old 11-28-2007, 08:02 PM
 
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I made the leap and cancelled mine. DH still has one, but hopefully he'll ditch that too.
Cancelled your checking account??

So do you just get money orders to pay bills then?

I've seriously thought about doing this - esp. after my 4 $35/each late fees from yesterday : but we have auto withdraw on most of our bills...so i think for us it'd be a hassle...but maybe one day!
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Old 11-28-2007, 08:23 PM
 
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I am in!

Megan, mom of 2, living in nyc and needing to pay off our debt and start savibg to own a place someday!

We will be gone for the last 2 weeks so it should be even easier to no spend (altough no internet so I'll have to track it myself. So fort he first 17 days of the month (and there should be few expenses after I am at my mom's place):


My goals:

0/$350 on food/household
0/$150 misc spending (postage, clothes, gifts, fees, etc)
0/$20 metrocard
0/$25 laundry
0/$50 fun money for dh and I (wine, movies, etc.)
0/$1000 to debt!!!

0/??? car repair needed (200-300$)
$0/35 flowers for dh to give to his students at recital
0/25$ taking ds out for dinner after his choir concert
0/5 no spent at-all days (not bills or food or anything)

Megan Davidson, Labor & Postpartum Doula, Breastfeeding Counselor, Anthropologist, Mom to August (9) and Clay (4), Partner to Shawn.

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Old 11-28-2007, 09:28 PM
 
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i'm sarah, SAHM to dd(2).

i need to save because we just make enough to pay our bills (our mortgage is also over 50% of our income since i SAHM). i also want to speed up paying off my student loan and save for some things dd wants.

my plan is to track grooceries as well as non-essentials because: we eat organic, i tend to buy stuff on sale, and i eat when stressed so i add to our grocery bill buying unnecessary food.

i know i will be spending some money on x-mas presents (80 for italian kick scooter for dd, assorted nut tins for mom & fil), but i hope that's it.

frugal plan:

groceries/pets 0/250 (down from 600 because i've over-spent so badly)
no drive days 0/15
work on some homemade x-mas presents
go to ap/crunchy/homeschool playgroups within 30 minutes of our house
continue hang/rack drying clothes
keep heat down as much as possible right now
check appliances plugged in or not frequently
less daylight tv time
stick to grocery list and use cash!
finally make some family cloth (this has been on the list since july)
eat less!!
donate or sell extra stuff
do better than last month!

sarah
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Old 11-28-2007, 11:39 PM
 
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Originally Posted by beansmama View Post
Cancelled your checking account??

So do you just get money orders to pay bills then?

I've seriously thought about doing this - esp. after my 4 $35/each late fees from yesterday : but we have auto withdraw on most of our bills...so i think for us it'd be a hassle...but maybe one day!
What to heck? I need to read more carefully. I was so excited about cancelling my credit cards that I didn't even notice you were talking about a checking account.

Maybe you could get a savings account that isn't linked to your checking account.
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Old 11-28-2007, 11:41 PM
 
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Originally Posted by mumkenna&lucas View Post
This is what I need tattooed in my brain! We have been struggling with this for months!!
Same here! But I struggle with both cash and debit cards. Obsessively checking our bank account online so I always know what's in there does help. DH jokes that he can't use the card without me calling about 5 seconds later to ask what he bought. And it's pretty much true. But we'd been so bad- he'd pay bills and not tell me, I'd pay bills and not tell him (and sometimes we'd pay the same ones : ) and we'd wind up overdrawing our account multiple times a month! We're so much more organized now, and I think we can finally handle using all cash.
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Old 11-29-2007, 04:33 AM
 
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1. My name is Kim; our family includes DH, DD (12/03) + DS (9/06). I am PT sahm/PT wahm/PT wohm; kiddos are with DH when I go to the office. Ramping up a consulting business and DH is in school + working, so our already busy schedules are getting a little more full. Have been with this group since June, and the resulting savings have been terrific.

2. Want to attack the debt snowball consciously, continuously, and with great intensity (perhaps not gazelle intense, but something pretty close to it).

3. Game plan:
* Set + meet goals for consulting
* Sell/donate unneeded items
* Stay OUT of Target
* Grocery shopping every other week only
* Work out a meal plan + try to stick to it a majority of the time
* Pack snacks + water whenever we go out
* No more late library materials!
* ORGANIZE! Majority of overbudget/frivolous spending can be prevented with improved organization.

GOALS:
* Less than $100 in frivolous spending: month to date $0
* At least 25 days (no spend or spending w/in budget): 0/25
* Avoid Target: 0/31
* Pack snacks/water for outings: 0/31
* NO library fines: month to date $0
* Stay within grocery budget: $0/$430

Past Progress:
June: 20 days; $210.42 frivolous; $519.54 groceries; $117.55 eating out
July: 16 days; $325.62 frivolous; $825.40 groceries; $112.84 eating out
Aug.: 23 days; $144.47 frivolous; $593.09 groceries; $643.07 eating out
Sept.: 22 days; $128.37 frivolous; $598.19 groceries; $121.48 eating out
Oct.: 25 days; $139.55 frivolous; $472 groceries; $129.55 eating out
Nov.: 25 days; $192.50 frivolous; $608 groceries; $101 eating out

GREAT TO SEE THE VETERANS BACK FOR MORE FUN; WELCOME NEWBIES!
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Old 11-29-2007, 03:41 PM - Thread Starter
 
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Two more days until the December launch....

Is there anything you need to do to get ready? Anything that must be purchased that you can get before December 1st?

Set yourself up for success.

 

 

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Old 11-29-2007, 03:42 PM
 
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I am in again. I vow to record better this month and be much more honest with myself about what is a "need" and what is a "want".

Quote:
1. Please introduce yourself and tell us anything you think it would help us to know about yourself.

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

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?
1. My name is Jennie and I am a sahm mama to 5 kids. I knit socks for my ND's office when I am not plugging away at winter gifts and homeschool my kids somewhere in my free time.

2. Since buying a home money has been tighter than ever and we have incrued a lot more dept than we have EVER had. I would like to stop saying "oh we can just put it on the card" and actually pay off the cards and close the accounts. We do NOT need 2 high credit line CC or 2 high line store cards (Sears & Old Navy). We need to go back to our mentality of "If we don't have the cash then we don't buy it" It worked well for us for the last 7 years no need to stop now just because we can get the credit.

3. My goals this month are
(A) NO CC SPENDING, no exceptions!
(B)If the kids eat all of their snacks and bread and milk then tough (we keep telling them NOT to go overboard and they do it anyways knowing mom will rescue them. Enough. They need to hear what we say and experience it. They won't starve, just won't have what they want)
(C) When we indulge in too much coffee and run out before the next pay day then too bad! We are out of coffee and will just have to deal. (this should be easier now that DH is back at work)
(D) No yarn or pattern purchases this month. I have all I need for gifts plus a stash I can work with.
(E) Find ways to lower electric bill costs, holy crap is it getting high.
(F) Stick to grocery budget,making sure to buy at least 1 extra loaf of bread and 2 extra gallons of milk to hide in the deep freeze)
(G) No eating out this pay period, when DH's parents come in near the end of the month I know we will be spending over our budget so will need to put away some extra cash for that.
(H) Keep my driving to a minimum until gas prices go back down to a reasonable rate.



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