February No-Spend Challenge -- How did you do? What will you do differently next month? What did you learn about your spending from doing this... - Page 25 - Mothering Forums
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#721 of 1040 Old 02-16-2008, 06:08 AM
 
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I forgot to post yesterday, so here I am for 2 days' worth of posts. Seems I was unable to get even one no-spend this week.


2/01 , $124.77 Groceries, $12.28 household, $13.36 Razors:
2/02 , $46.92 Gas, $57.69 Household, $7.95 Dairy Queen for me and DD12), $3.20 Sees Chocolates (DH & DD9)
2/03
2/04
2/05
2/06 $77.46 Costco Groceries(and Newcastle Beer for DH ), $3.65 McD's, $8.38 Household (grooming supplies)
2/07
2/08 , Household - postage, mailing supplies V-day cards $29.28, Groceries - $108.68, Take-out - $18.59
2/09 Pampered Chef stuff $21.32, McD's Fries $1.85
2/10
2/11 $11.87 Household (photocopies or HSing stuff), $42 Gas (actually, last week's tank of gas lasted longer than I thought it would, so this isn't bad)
2/12 $9.75 Groceries 'cause I forgot to get milk & bananas yesterday argh!, and $22.00 at fabric store for supplies for 1 project for which I am getting paid and 2 projects for my kids
2/13 - $70.00 - okay, so ceramics might not SEEM necessary, but we had time to kill after our picnic and rather than go in a store I decided to take the kids to the ceramic shop on Base to make plates (we use them for dining, plus it's a permanent memento of the kids). When I was there I found out there were some items I'd ordered MONTHS ago that had been waiting for me, so I had to pay for them, too. Those items will be made into Christmas presents for next year.
2/14 $5.76 postage for items sold on eBay. $11.01 groceries, $9.95 horse treats (household)
2/15 $80.68 groceries (weekly trip), $18.50 Costco/groceries


Goals:
No spend days: 5/17
Eating out days: 1/6
No CC use: 15/29
Unbudgeted spending: $124.47/0
Track "wants" spending: $34.37

Groceries: $430.85/$550
Household: $121.07/$200
Gas: $88.92/$160
Eating out: $24.09/$70

No spend day:
Budgeted spending:
Spend Day (unbudgeted, unnecessary):
Unbudgeted, but necessary:

I want to be proud of my spending choices
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#722 of 1040 Old 02-16-2008, 06:20 AM
 
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acystay I hope that you and your family are feeling better soon!
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#723 of 1040 Old 02-16-2008, 08:16 AM
 
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1: $13.00 at Kids play gym & a smoothie for mom, out of my weekly allowance
2: :$13.50 McDonald's breakfast, $99.25 at the Science centre for annual membership
3: $10 at the grocery store which was fine, $7 at Michael's, $40 Chapters
4: Stayed home today!
5: $270 at Costco to stock the pantry, $70 gas
6: Staying home!
7: $8 kid's play place, $8 McDonald's lunch for me (peer pressure from friends, twice in one week, ewww!)
8: $22 ordered pizza at DH's urging
9: $120 at Office Depot, $70 at Michael's (filing & organizational supplies, printer cartridges), $45 Groceries
10: Stayed home!
11: $8 kid's play place
12: :$70 new shoes for DS1, he grew out of his last pair in 6 weeks! Was not expecting that. Ended up buying another pair for him to grow into since there was a sale. $67 gas, $90 toddler bed for DS1
13: Snowed in today, staying home!
14: Another day at home for us!
15: $6 breakfast out

Key:
No spend day
Planned/budgeted spending
: Unplanned but necessary spending
Unplanned and unnecessary spending

Progress:
$400/$600 grocery budget
5/14 no drive days
4/2 eating out
10/29 no frivolous spending!
0/$150 into savings[/QUOTE]

SAM, momma to 3 beautiful babies: Tristan (5), Gabriel (4) , & Brighton (2)

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#724 of 1040 Old 02-16-2008, 09:38 AM
 
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Yesterday went just as planned. Well, OK, I didn't declutter, but I really wasn't home much during the day.

2/1 No Spend
2/2 $174.94 groceries; $50 household (Costco membership)
2/3 $43.00 donations; $86.69 groceries; $53.24 gifts for Valentines Day (budgeted)
2/4 $88.00 bowling fees; $56.76 gas; $26.00 allowances for kiddos
2/5 No Spend
2/6 $2.34 coffee; $9.30 clothing (much needed sweatshirts for myself) $2.21 household (lunchboxes for kiddos) .80 school supplies; $53.18 DS birthday gift and balloon; $21.34 milkman
2/7 $2.35 coffee; $1.91 household
2/8 $28.73 Chuck E. Cheese w/kids
2/9 $2.34 coffee
2/10 $36.00 charitable contributions; $5.00 gift for friend; $2.35 coffee; $118.03 groceries
2/11 No Spend
2/12 $1.33 coffee; $12.85 McDonalds for kids; $28.17 bowling w/kids
2/13 $4.26 valentines & stickers; $11.00 bowling fee; $6.00 dh HAD to buy two rounds of drinks at bowling (somehow this is a requirement )
2/14 $3.78 coffee; $1.70 fruit for kids (frivolous ) $4.56 dinner money for ds#1.
2/15 $60.00 gas; $157.45 Chiro; $40.02 groceries

Today is a stay home day. I have absolutely no reason why I can't get a lot of decluttering/organizing done. I'm hoping for a no spend day.

Jill


My Plan

Groceries: $441.02/$750
Household: $54.12/$150
Gas: $116.76/$200
Coffee: $14.49/$25
Frivolous Spending: $1.70/$100
Birthday for DS #2: $53.18/$50
15 no spend days: 3/15
25 no stores days (grocery or Big Box): 11/25
No Credit Cards: 15/29
2x eat out with hubby and/or kids: 2/2
22 hrs decluttering: 3.5/22
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#725 of 1040 Old 02-16-2008, 12:28 PM
 
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2/1: $1 at the library book sale (found a book I am selling on Amazon!)
2/2: spent nothing
2/3: $2.90 pizza / $33.52 bulk household items/ $32.42 storage baskets
2/4: spent nothing
2/5: $9.91 groceries/ $9.95 post office (I sold four books on Amazon.com!)
2/6: spent nothing
2/7: $44.93 groceries/ $2.45 post office/ $2 library book sale
2/8: $23.16 gas/ $7.23 groceries/ about $7.85 post office (postage and mailing supplies)/ $6.98 pet supplies/ $8.65 dollar store/ $17.50 hibatchi lunch for two
2/9: $9 pizza take-out
2/10: Mexican brunch for two $21.35/ milkshake for my boy $2.48/ $8 cider, apples, etc. at farm
2/11: $2.47 post office/ $3.69 groceries
2/12: $2.05 postage/ $ 41.75 groceries, household and pet supplies
2/13: spent nothing
2/14: $7.82 flowers, snacks
2/15: $10. 67 groceries / $2.47 post office

(just wanted to update yesterday's since I didn't get to it...I'm getting a haircut today and hoping they don't charge a ton!)

Spending totals so far:
$151.70 groceries/household items
$51.23 eating out/snacks on the run
$21.60 postage (selling 9 items on Amazon)
$23.16 gas
$55.65 miscellaneous
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#726 of 1040 Old 02-16-2008, 02:18 PM
 
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I love keeping track of all of this. If you knew my spending habits before, you'd know that I'm doing very well!!! Keep up the good work, ladies!

2/1: Groceries $155.00 / Gas $40.00 / $14 Prescription / $21 Pizza for dinner
2/2: McDonald's Coffee $1.35
2/3: NO SPEND!!!!
2/4: McDonald's Coffee $1.35 / McDonald's $7.50 / Eye Doctor $73.00
2/5: McDonald's Coffee $1.35 / Subway $6.00 / Prescription $6.50
2/6: McDonald's Coffee $1.35 / McDonald's $2.75 / Prescription $58.00 / Candy at CVS 57 cents - This
prescription today was definitely NOT in the budget I'm SO sick of this strep throat stuff!!!!!!!!!!
2/7: McDonald's Coffee $1.35 / Lunch $2.14 / Prescription $6.50 - argh.....
2/8: McDonald's Coffee $1.35 / Lunch $2.42 (Had another coffee-oh my...)/Gas $10.00/Groceries $16.50
2/9: NO SPEND!
2/10: NO SPEND!
2/11: Book @ conference $31.80
2/12: McDonald's Coffee $1.35 / movie & popcorn $10.00
2/13: Lipstick $5.85 / snack $4.00 / gas $50.00 / groceries $147.00
2/14: McDonald's Coffee $1.35 / Mary Kay Make-Up $68.00
2/15: McDonald's Coffee $1.35 / Lunch $2.41 (McDonald's Coffee)
2/16: Gift for birthday party $21.00
2/17: Groceries $12.78 / CVS $16.43
2/18: Yippeeeee.....NO SPEND...it's been awhile
2/19: McDonald's Coffee $1.35 / Dinner $8.07 (McDonald's Coffee)



Key:

True NO SPEND day
Spending, but within a budgeted area
Spending, not budgeted or over a budgeted area


13/15 Cups McDonald's Coffee (and that is cutting WAY back for me)
5/15 Times Working Out
18/29 Days Staying within budget
4/15 Days TRUE no spend days (this will be HUGE for me)-(not including paying bills)

Tracking Spending:

$331.28 Groceries
$100.00 Gas
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#727 of 1040 Old 02-16-2008, 02:26 PM
 
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hey mamas
I just can't be bothered to cook tonight! I have a kitchen full of dishes from last night/today that will need clearing before I can begin any preparation and I don't have anything quick and easy in - we only really do things from scratch...
Can you forgive me a cheap takeaway?
If I can get something within the rest of this week's grocery budget (I have $16 left til Tues) then I will still be on budget.
What do people think?
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#728 of 1040 Old 02-16-2008, 04:07 PM
 
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I need opinions. I love my bank, so I am not looking to switch. My bank has a promotion where they will take any debit card purchase, round it up to the nearest dollar and deposit the difference into your savings. They match 100% for the 1st 3 months and then 5% after that. The "matched" money gets deposited all at once on your anniversary of when you started the promotion. The maximum $ that can be deposited into your account (from debit purchases-not the match) is $250.

I am considering doing this. Pro- it will put extra money in my saving account-even if it's $.50 here or as little as $.17. Con-It will feel like I'm spending more on stuff. Like $5 for lunch as opposed to $4.50.

What do you think? Opinions? This by no means gives me the excuse to spend spend spend but if I have to (groceries and household items), I'd like to maybe get something out of it.

The service is free

Proud mama to : Nicholas James born 3/19/09
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#729 of 1040 Old 02-16-2008, 04:31 PM
 
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I would totally do it. I wish my bank did that.
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#730 of 1040 Old 02-16-2008, 04:36 PM
 
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1: $13.00 at Kids play gym & a smoothie for mom, out of my weekly allowance
2: :$13.50 McDonald's breakfast, $99.25 at the Science centre for annual membership
3: $10 at the grocery store which was fine, $7 at Michael's, $40 Chapters
4: Stayed home today!
5: $270 at Costco to stock the pantry, $70 gas
6: Staying home!
7: $8 kid's play place, $8 McDonald's lunch for me (peer pressure from friends, twice in one week, ewww!)
8: $22 ordered pizza at DH's urging
9: $120 at Office Depot, $70 at Michael's (filing & organizational supplies, printer cartridges), $45 Groceries
10: Stayed home!
11: $8 kid's play place
12: :$70 new shoes for DS1, he grew out of his last pair in 6 weeks! Was not expecting that. Ended up buying another pair for him to grow into since there was a sale. $67 gas, $90 toddler bed for DS1
13: Snowed in today, staying home!
14: Another day at home for us!
15: $6 breakfast out
16: $22.39 groceries

Key:
No spend day
Planned/budgeted spending
: Unplanned but necessary spending
Unplanned and unnecessary spending

Progress:
$422.39/$600 grocery budget
5/14 no drive days
4/2 eating out
12/29 no frivolous spending!
0/$150 into savings

SAM, momma to 3 beautiful babies: Tristan (5), Gabriel (4) , & Brighton (2)

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#731 of 1040 Old 02-16-2008, 05:43 PM
 
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Okay. My post from yesterday didn't post so to catch up...
14: genuine no spend day!
15: $2 on treats for kids when I collected from school. $10 postage (but I can claim that back in expenses for voluntary work it was in connection with.)
$1 school fund (voluntary contribution towards baking/cooking materials on Fridays.)
16:no spend day.
As I posted earlier, I was v.tempted to get a cheap take out for us all tonight. However, posting here gave me chance to think it out and I decided against it for health and finances. We just had pasta but I do feel like I made a good decision Thanks to this board for that!!

DH and I have agreed to cancel our Saturday newspaper so will make a trip to the store tomorrow to do that. Will need to pay off the bill (anticipate about $24) and also buy eggs and potatoes. Other than that we should have groceries to last us til Weds now....
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#732 of 1040 Old 02-16-2008, 07:02 PM
 
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2/1 No spend No Drive
2/2 No spend No Drive
2/3 No spend No Drive
2/4 No spend No Drive
2/5 Big spend, but all necessary and budgeted Groceries: $85.32, Laundry Quarters: $5.00, Postage $2.47, Gas: $32.30. And I drove to the bank (to deposit rebate checks) and library, as well.
2/6 No spend Drove to church for Ash Wednesday. Forgot all about it.
2/7 No spend No Drive
2/8 Spend, but all budgeted Postage $4.94, Baby formula, et. al @ Target $60.58, Clothing $4.27 - $26.74 on yummy wings/fries. Also put 1500 into the IRA
2/9 Spend, budgeted, but not necessary. $6 parking at museum, $6.35 for lunch for DD and me. Moved 4700 into savings.
2/10 No spend Did drive to mass this morning. What are ya gonna do? We don't have sidewalks, and lots of blind curves and idiots driving. Can't wait to move in the Spring/Summer, and *hopefully* have stuff w/in walking distance again. (Military move - no real choice in the matter).
2/11 No spend No Drive
2/12 No spend No Drive (snowed in!)
2/13 Huge spend day. All budgeted and planned, though, so it's all good. Groceries and Razors: $95.96, Postage: $2.47, Car Registration: $36.00, Book Coop: $41.45, Cheese Coop: $46.13, Frontier Order: $254.33 (includes membership fee). Oh, and DH bought gas (what a good honey buying it on my spend day ), but it hasn't come through our online account, and he didn't get a receipt, so, I don't know how much yet. I spent a lot, but, I also won't place another frontier order for 3 months and part of the frontier and books will be most of DD's Easter and B-day presents. Heck, I'm ahead of the game since I stayed within budget on those ;-).
2/14 No spend No Drive Also, adjust Frontier total to 254.33 (a couple of items were OOS), and Gas for 2/13 to $17.83 (which makes me think DH used the fuelperks. Sweeeeeeeeet!)
2/15 No spend No Drive. DH is on his way home and dinner is made.
2/16 Spend on groceries. $68 exactly. Nothing to be upset about. We've lots of good food for the rest of the month, along with some treats. Transferred $724.88 (to get a round number in savings) to savings.

9/19 no drive days
11/19 no spend days
14/24 no eat out/take out days
$249.28/275.00 on groceries
$7224.88/1493.7 into s/i/Is (so far, 6224.28 in savings; 1500 in IRAs) Goal MET for month!
$10424.88/17924.40 into s/i/Is for the YEAR (so far, 6424.88 in savings; 4000 IRAs)
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#733 of 1040 Old 02-16-2008, 08:59 PM - Thread Starter
 
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01..
02..
03..
04..
05.. $28.48 Indian food
06..
07.. $8.03 McDonald's
08..
09.. $75 for paint for house
10.. $12 Ice Cream Sundae fixings, $2 Valentines
11..
12..
13.. $28 paint at Home Depot
14..
15.. $4.50 Valentine's candy, $6.89 Subway
16.. Motherhood, Gymboree...lots of money spent today

9/22 No-Spend Days
3/10 Let the Car Rest Days
13/28 Fast-Food-Free Days

I haven't tallied up how much I spent today...I will when I bring my little notebook inside where I write down all my purchases.

It is a lot though. I needed some of the maternity clothes, but not all. And I definitely didn't need stuff from Gymboree for a baby that already has bins overflowing with baby clothes.

Oh well...FIDO.

 

 

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#734 of 1040 Old 02-16-2008, 09:02 PM - Thread Starter
 
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Quote:
Originally Posted by Patrick's mummy View Post
Can you forgive me a cheap takeaway?
Forgiven.

Some days takeout is a need. You can make up for it by cutting corners on another day.

 

 

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#735 of 1040 Old 02-16-2008, 09:04 PM - Thread Starter
 
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Liangel -- I would do that too. That is like the bank giving you free money. What bank is it? I wish I could sign up.

 

 

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#736 of 1040 Old 02-16-2008, 09:22 PM
 
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Gah. Spent again today--online, for more supplies to make bath stuff. But it was cheaper than it would have been to buy it here, I guess.

Joint spending:
2/1: $1402 mortgage--budgeted
2/2: $185 Costco (food stock-up, much needed towels, & membership fee)--budgeted
2/3: $15 movies, $30 dinner--budgeted
2/4: $37 co-op (budgeted), $90 Target (over budget)
2/5: $24 online for Pyrex (over budget)
2/6:
2/7:
2/8: $400 car payment, $18 Netlfix, $9 kolaches, all in budget
2/9: $20 raffle ticket ASPCA donation (over budget)
2/10:
2/11: $151 vet (over budget)
2/12: $16 groceries (in budget)
2/13: $52 dog food (over budget)
2/14: $26 lunch out with not-MIL (in budget)
2/15:
2/16: $21 movie tickets (over budget), $18 movie snacks (in budget)

Personal spending:
2/1: $2,000 monthly contribution to joint, $63 on swap food; $25 charitable giving--all budgeted; $3 cash on soda
2/2: $37 on swap food--budgeted, but I'm going to go over, since that's my whole budget and I haven't shipped anything yet; $35 credit card payment
2/3: $38 swap shipping (over budget), $5 other shipping (in budget), +$8 from Amazon.com
2/4: (spend $4 on a prescription, +$18 for two shirts I returned at Target)
2/5: (+$15 return from Amazon)
2/6: $4 postage (over budget), $26 V-day present for M. (in budget), +$45 return on boots I bought last month
2/7: ($632 CC payments)
2/8: $5 lunch, $15 sweater, in budget
2/9:
2/10: $8 Goodwill (in budget), $20 post office (over budget, though it wasn't all swap postage--I also bought a book of stamps)
2/11: $5 lunch, $42 Goodwill, $9 Ebay (in budget, but gah!), +$15 sale of unusable Christmas Lush goodies
2/12: $5 postage for Lush (over budget), $6 lunch, $32 Goodwill (in budget), +$13 sold Legos
2/13: $6 postage (for Legos), $372 credit card payment (in budget), $50 shoes (over budget)
2/14: $3 ATM fees, $7 coffee/breakfast (over budget)
2/15: $9 lunch (over budget)
2/16: $43 online (over budget)

$175/$100 misc. spending
$160/$100 swap/postage spending
4/14 no spend days
4/2 thrift shopping trips
6/5 lunches/coffees
$1,039/$700 credit card pay-down
16/29 no credit card days


Joint goal for Feb: just one--STAY ON BUDGET!


Personal goals for Feb:
-stay on budget (including no more than $100 misc spending, $100 swap spending/postage)
-no credit card spending
-at least 14 no spend days
-no more than 2 thrift shopping trips
-no more than 5 lunches and/or coffees at work
-pay at least $700 on credit card


January:
No-spend days: 12/31
Lunches/coffees purchased: 6
Off-budget spending: -$400
Credit card payments: $793
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#737 of 1040 Old 02-16-2008, 09:46 PM
 
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2/1: Gas $30*/oil change $43.44
2/2:
2/3:
2/4: Gas $30/Groceries $205.87
2/5:
2/6:
2/7: Gas $40*/Groceries $41.36/Mattress $156.45
2/8:
2/9:
2/10:
2/11:
2/12:
2/13: Gas $30/Groceries $71.02/Dog food $42/Raffle ticket $1
2/14: Groceries $61.75
2/15: Gas $15*
2/16:


Gas $145/$185 (Starting to think this is too tight--have to account for hubby's work truck gas. *Work truck gas)

Groceries $380/$400

No spend
Budget spend
Oh, lord, what'd I do?
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#738 of 1040 Old 02-16-2008, 09:50 PM
 
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Spent $41.52 on groceries today, budgeted. Also decided the number of grocery trips doesn't matter... YET... As long as I don't go over budget. I'm slowly figuring out what's most important and what works for us.

Key:
no spend at all
budgeted
unbudgeted but necessary
: unbudgeted and unnecessary

Goals:
6/9 spend days
10/20 no-spend
2 trips and $63.73/0 groceries until Feb 13
1 trip and $41.52/200 groceries for Feb 13-Mar 13
0 trips and $0/10 farmer's market
$0/30 eating out (or cooking valentine's dinner)
$21.19/? safety gate for DS
$163.07/10 household supplies, etc
$0/20 clothes
$21.17/12.48 gift-making supplies, DH and DS valentines
$0/43.51 DS bday in March
$225.49/0 unbudgeted spending (unnecessary groceries and gift supplies, necessary plumber)

Fri 1
Sat 2
Sun 3
Mon 4
Tue 5 $21.19 safety gate for DS
Wed 6 $4.73 drinking water, $163.07 plumber
Thu 7
Fri 8 : $59 groceries
Sat 9 $9.60 DH's Valentine
Sun 10
Mon 11
Tue 12
Wed 13 : $11.57 Lion Brand stuff ($8.69 over budget)
Thu 14
Fri 15
Sat 16 $41.52 groceries, got my LB stuff in the mail already--YAY!
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#739 of 1040 Old 02-16-2008, 09:55 PM
 
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liangel that sounds great to me. So, if you pay $.50 extra b/c your purchase was rounded up, the bank pays you $.50 for the first 3 months? Yeah, free money.
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#740 of 1040 Old 02-16-2008, 09:58 PM
 
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Quote:
Originally Posted by Patrick's mummy View Post
hey mamas
I just can't be bothered to cook tonight! I have a kitchen full of dishes from last night/today that will need clearing before I can begin any preparation and I don't have anything quick and easy in - we only really do things from scratch...
Can you forgive me a cheap takeaway?
If I can get something within the rest of this week's grocery budget (I have $16 left til Tues) then I will still be on budget.
What do people think?
So, what did you do? Me, I'd eat out on DH's dime, which is what we did. It was his idea, so his personal money was spent. Had it been my idea, I would have spent my personal money--which would have put us over budget since I have none. Anyway, how was the food?
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#741 of 1040 Old 02-16-2008, 10:47 PM
 
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I didn't post yesterday, so I'm coming here to catch up. I've been a little naughty. Yesterday I took DS to the local variety store where he played with the train tables and I splurged and bought him a Brio tank car and extra tracks for his set. (I will admit that this is mostly for me...I'm tired of trying to build tracks for him with limited supplies.)

Today I spent several hours at the Salvation Army thrift store and got some awesome deals. I'm trying to re-vamp my wardrobe, and it's my birthday on Monday so this was my gift to myself (I will be getting birthday money from my parents that will cover this).

2/2: $100 Maya massage + $19.80 necessary groceries
2/3:
2/4: $8.37 post office + $12.00 Goodwill + $4.92 necessary groceries
2/5: $30.91 necessary items from CVS + $2 unnecessary coloring book from CVS + $25.63 gas for my car + $4.18 venti mocha from Starbucks
2/6:
2/7:
2/8: $115 naturopath
2/9: $10 admission to lighthouse museum
2/10: $107.61 necessary groceries + $4.18 venti mocha from Starbucks
2/11: $82.81 acupuncture session and herbs
2/12:
2/13: $2 parking at the downtown library
2/14:
2/15: $2.35 radon detector kit (had in-store credit for the rest) + $32.71 Brio stuff for DS + $23.87 gas for my car
2/16: $90.13 thrift store shopping for me

KEY:
True no spend
Necessary spending
Unnecessary spending

Formerly New Mama to Henry, born August 2005 and Silas, born November 2010.
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#742 of 1040 Old 02-16-2008, 10:50 PM
 
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2/16--
$24.17 at JoAnn fabrics
$41.69 Frontier order
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#743 of 1040 Old 02-17-2008, 12:02 AM
 
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2/1: $1 at the library book sale (found a book I am selling on Amazon!)
2/2: spent nothing
2/3: $2.90 pizza / $33.52 bulk household items/ $32.42 storage baskets
2/4: spent nothing
2/5: $9.91 groceries/ $9.95 post office (I sold four books on Amazon.com!)
2/6: spent nothing
2/7: $44.93 groceries/ $2.45 post office/ $2 library book sale
2/8: $23.16 gas/ $7.23 groceries/ about $7.85 post office (postage and mailing supplies)/ $6.98 pet supplies/ $8.65 dollar store/ $17.50 hibatchi lunch for two
2/9: $9 pizza take-out
2/10: Mexican brunch for two $21.35/ milkshake for my boy $2.48/ $8 cider, apples, etc. at farm
2/11: $2.47 post office/ $3.69 groceries
2/12: $2.05 postage/ $ 41.75 groceries, household and pet supplies
2/13: spent nothing
2/14: $7.82 flowers, snacks
2/15: $10. 67 groceries / $2.47 post office
2/16: $48 haircut with tip/ $3.22 snack/ $108.50 groceries, household supplies, mailing supplies, fabric for curtains, and pet food/ $6.50 matinee movie:



Spending totals so far:
$260.20 groceries/household items
$54.50 eating out/snacks on the run
$21.60 postage (selling 9 items on Amazon)
$23.16 gas
$103.65 miscellaneous
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#744 of 1040 Old 02-17-2008, 12:36 AM
 
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2/1 2.85 Cough drops for DH, 6.92 movies, but DH was sick 12.00 Diaper Swappers
2/2
2/3 23.25 groceries
2/4 10.25 veggies, cough medicine 33.62 Gas (DH) 6.00 Industrial Worker dues 4.81 Coffee drinks Had a starbucks gift card but B&N wont take them, so we put it on the debit card
2/5 35.19 DS reflux meds, 30.96 Gas (me)
2/6 3.19 wine for a recipe, I should have just skipped it 14.00 laundry detergent and dryer sheets for ds clthes/diapers
2/7 No Spend 185.00 State refund into savings
2/8 Went to exchange belt, spent 21.11. Also, diaper inserts that I should have waited on. 11.00
2/9
2/10
2/11 28.00 sister's birthday present, 2.89 a naughty snack
2/12 326.56 on the furnace which freaked out after a power outage
2/13 Sold 2 diapers! 19.12 credit! 31.56 gas me .88 to diaperswappers Dinner paid for by our friends mom, free ice cream cones at the frozen custard store
2/14 58.58 for groceries and V-Day dinner stuff, 2.66 shipping diapers USPS, 10.67 walgreens 8.09 walgreens. I also let DH buy some cheap flowers/card for V Day 12.80
2/15 /eyesroll 32.56 toys r us, pacis that are more like the breast and something to help him sleep, may have more of a splurge~i dont know. 54.41 walgreens All stuff for baby jack's head and nose, 3.71 for dinner tip, paid for dinner with gift certificate.
2/16 7.60 dinner 20.00 to a friend going to Thailand


Key
No Spend
Spent, but there was no way around it
Not necessary, totally just throwing money out the window

Total unnecessary spending: 137.34
Total Gas: 96.14
Total No Spend days: 4
Money spent going out to eat (gift cards dont count) : 11.31
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#745 of 1040 Old 02-17-2008, 12:41 AM
 
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My key:

= Total No Spend
= Gas , Groceries
=Anything other than Gas,Groceries

2/1- $14.29-Niece's b-day present, $50 Manicure
2/2- $39.27-Groceries
2/3-
2/4-
2/5-
2/6-
2/7- $11.31 Niece b-day card, gift bag.
2/8- $4.23-Anniversary card for parents
2/9- $24.23-Cleaning stuff.Laundry det. $73.09 groceries
2/10- $9.50 on Popcorn/Icee drink at the movies.
2/11-
2/12-
2/13- $5.27 Dunkin Donuts
2/14- $40 gas
2/15- $3.89 Buy one get one free cereal (so 2 boxes) $3.99 pizza
2/16- $9.63 dinner out

I suck this month! I need to get some more 's in

Proud mama to : Nicholas James born 3/19/09
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#746 of 1040 Old 02-17-2008, 12:43 AM
 
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Quote:
Originally Posted by Crunchy*VT*Mom View Post
Liangel -- I would do that too. That is like the bank giving you free money. What bank is it? I wish I could sign up.

Bank of America. It's called "Keep The Change"

Proud mama to : Nicholas James born 3/19/09
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#747 of 1040 Old 02-17-2008, 12:53 AM
 
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Quote:
Originally Posted by liangel View Post
I need opinions. I love my bank, so I am not looking to switch. My bank has a promotion where they will take any debit card purchase, round it up to the nearest dollar and deposit the difference into your savings. They match 100% for the 1st 3 months and then 5% after that. The "matched" money gets deposited all at once on your anniversary of when you started the promotion. The maximum $ that can be deposited into your account (from debit purchases-not the match) is $250.

I am considering doing this. Pro- it will put extra money in my saving account-even if it's $.50 here or as little as $.17. Con-It will feel like I'm spending more on stuff. Like $5 for lunch as opposed to $4.50.

What do you think? Opinions? This by no means gives me the excuse to spend spend spend but if I have to (groceries and household items), I'd like to maybe get something out of it.

The service is free
Do it. I have it, and while the "matching" period is over (well, not really, but 5% takes a LONG time to "add up"), it was totally worth it, and still helps me save a little. I usually just round up when tracking my purchases anyway, so this is no different really!

Quote:
Originally Posted by Crunchy*VT*Mom View Post
Liangel -- I would do that too. That is like the bank giving you free money. What bank is it? I wish I could sign up.
Well, I'm not sure if any other banks do it, but I have B of A and they have it. I've been pretty happy with them since I switched about 2 years ago. I had wells fargo before and I HATED them! Of course, everyone seems to have different experiences with banks!

February
02/01 $420 rent. Made $10
02/02 $5 over priced junk food snacks.
02/03 $3 tip for the pizza my friend got us.
02/04 : I DID spend $5 today, but it was buying something for a friend, and I got payed back, so I'm not counting it as a spend.
02/05 $13 rent,
02/06 and $28 for flea meds and dog food; $10 gas; $27 fabric, etc. to make a gift; $13 eating out with a friend (after taking a walk at the beach!); $3 candy, $2 kool-aid (for dying w/ friend. I might get payed back). I also bought some greeting cards, but I used a gift card, so I'm not counting that as spending.
02/07 :
02/08 :
02/09
$3.26 at the dollar store for gift wrap.
02/10 :
02/11 :
02/12
$43.50 at the vet (with much more to come as soon as I can save up
02/13 :
02/14
Took a 25 min walk (I'm gonna count it!). $7 dinner out with a friend, and $2 chipping in for the movie rental.
02/15 $20 gas. $47.50 at the Co-op (I'm a little bummed, they didn't give me my bag refund for using reusable bags! Of course it's only .40 but still! :).

Goals:
  • 14/29 Save ALL receipts.
  • 14/29 Stay out of all stores other than the Co-op, Winco, Ross, dollar and thrift stores*.
  • 5/20 no-spend days :
  • $31/$60 social spending
  • 0/3 Yoga sessions
  • 2/8 1/2 hour+ walks
  • 0/~$150 Saving
  • 17.10/$25-worth at work eating
  • Spend tax return only on budgeted expenses (car registration, fix computer, Burning Man ticket, etc.)
Key:
: = True no-spend; = Spending within budget; =Un-budgeted, necessary; = Un-budgeted and unnecessary


January's goal results:
* 28/31 Save ALL receipts.
*2/25 Stay out of all stores other than the Co-op, and Winco.
*17/20 true no-spend days :
*$46.20/$25 social spending
*0/2 Yoga sessions this month
*$27.40/$30 worth at-work eating
*~$60/$0 out of budget spending


*Dollar stores have a $5 per trip, 2 trips per month limit! Ross and thrift stores have a one trip per month/$20 limit!
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#748 of 1040 Old 02-17-2008, 12:55 AM
 
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I haven't kept track yet this month, but better late than never! A few weeks will be a good practice run for debt-free March.

2/15- went to eat with a friend, spent $4.25 plus tip for a soft taco and tea (food budget)

2/16- I know I'm going to church, and I've saved $10 into a tithe budget for that.
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#749 of 1040 Old 02-17-2008, 02:00 AM
 
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Tomorrow I may try to go exchange a gift at Target. I'll need to be strong! There are a couple other things I would like to get, like socks. I'm also planning to spend on Monday at the grocery store, there is a kicking President's Day sale.

Thursday was kind of a bust, but today I stayed within budget DD's birthday party. And we have plenty of snacks now, that aren't too unhealthy.


Tracking & Goals:
7/15 - No Spend Days
12/19 - No Spend + Budget Days
$27.90/$50 postage/swap budget
0/2 thrift store trips
2/5 fast food meals
Go to the family's investment guy

- budgeted spending - NO spend - sold something - Unneccesary, not budgeted


2/1 (chinese for dinner, $20)
2/2
2/3
2/4
2/5 (Pet food, $64, groceries, $5, gas, $12, postage, $3)
2/6
2/7 (Presents and decorations, $41)
2/8 (Postage, Panera {counting as fast food} with class project group $9)
2/9
2/10
2/11 (Postage, prescriptions)
2/12
2/13 (Powerball ticket, aka stupid tax)[/QUOTE]
2/14 (Costco, fast food)
2/15
2/16 (Costco for bday party food. Avoided extras!!)

Bridget. Momma to DD (4), expecting DS - 9/09, wife to SAHD. Gardener, coffee addict, urban dweller.
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#750 of 1040 Old 02-17-2008, 02:47 AM
 
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1/2 nil
2/2 bought a belt for my son as his pants were falling down. $10
3/2 nil
4/2 nil
5/2 nil
6/2 petrol $40 lunch $35
7/2 nil
8/2 lunch $20
9/2 nil
10/2 nil
11/2 nil
12/2 nil
13/2 stuff for my daughter party $25, treat, dress for party $35, tees $30 and maternity pants for me $20
14/2 Valentines Day card $5
15/2 $6 drinks for hubby and I at pub
16/2 donuts for kids $3
17/2 nil
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