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 27 - Mothering Forums

Forum Jump: 
Reply
 
Thread Tools
#781 of 1040 Old 02-18-2008, 11:00 AM
 
mamaof6's Avatar
 
Join Date: May 2007
Posts: 238
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
I stuck to my spending plan yesterday. But I didn't get to decluttering.

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
2/16 $47.00 Melaleuca order
2/17 $20.00 charitable contributions; $44.82 groceries; $2.35 coffee

Today will be more groceries, I'm getting my hair cut and colored and I'll probably have coffee. Planning for at least 30 minutes of decluttering/organizing.

Jill


My Plan
Groceries: $485.84/$750
Household: $78.68/$150
Gas: $116.76/$200
Coffee: $16.84/$25
Frivolous Spending: $1.70/$100
Birthday for DS #2: $53.18/$50
10 no spend days: 3/10
25 no stores days (grocery or Big Box): 12/25
No Credit Cards: 17/29
2x eat out with hubby and/or kids: 2/2
22 hrs decluttering: 5.5/22
mamaof6 is offline  
#782 of 1040 Old 02-18-2008, 01:44 PM
 
anarchamama's Avatar
 
Join Date: Mar 2005
Posts: 1,033
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
OK last month kicked my ass. We went almost $400 over budget, which considering we had $900 in unplanned expenses is kinda good but it seems like we just have to start planning for those, cause it's always osmething..... I want to revise my budget this month and also hopefully some of our tax return can pay off some debt.

Anyway goals for this month
Come in under our budget of 3230
put some money against our debt
have 8 no spend days

1-Chiro $5.25, fries $7.86, groceries 93.24, mtg & taxes $462
2-
3-
4-gas $45.26, massage $48,
5-
6-$25 bday gift, 40$ carpool, $15 HS assoc fees, video's $8.92
7- $26.31 crafts for kids, groceries $65.15
8- $1 dh lunch
9-$47.58 cc interest
10-
11-$23.69 pizza
12-
13-Groceries $309.34
14- $90 donation
15-Mtg and taxes $470, catfood $36.91, toothpaste $8, $11.88 ?
16-
17-
18-$42.72 gas

1883.11/3230
104.62/111.38 per day
no spend days - 7
anarchamama is offline  
#783 of 1040 Old 02-18-2008, 02:54 PM - Thread Starter
 
Crunchy*VT*Mom's Avatar
 
Join Date: Apr 2007
Location: Home of the Screaming Pennies
Posts: 2,964
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
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.. $101.44 Motherhood, Gymboree
17..
18..

11/22 No-Spend Days
3/10 Let the Car Rest Days
15/28 Fast-Food-Free Days

 

 

Crunchy*VT*Mom is offline  
#784 of 1040 Old 02-18-2008, 03:23 PM
 
BrooklynDoula's Avatar
 
Join Date: Oct 2002
Location: NYC
Posts: 4,873
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Feb 1: I spent nothing but dh bought food at the co-op ($34), $2 Metrocard (dh)
Feb 2: Farmer's Market $15, $7.50 (dh went to a performance), $10 for dh metrocard
Feb 3: $7 parking, $10 kids, $20 Target V-day gift, $11 wine
Feb 4:
Feb 5: Dh has $75 in library fines! Also food, $110 and $20 metrocard.
Feb 6:
Feb 7: had to buy weird foods to try to get sick kid to eat something $14, $13 kid toy for b-day party, $1 on a battery, $25 on laundry after several puke explosions! Yuck.
Feb 8: $32 ds clothes, $14 ds meds, $2 parking, $8 tip at restuarant (food was free but we left tip).
Feb 9:
Feb 10: $8 at co-op, $45 to fix dh's bike
Feb 11: $94 at co-op (always less without dh! )
Feb 12: $10 tip on lunch
Feb 13: $6 on V-day treats
Feb 14 $61 on v-day treats (fancy cheese, beer for dh, etc) and $12 on pizza for ds ((dh also spent $38 on a gift for me))
Feb 15:
Feb 16: I got paid by a new client and treated my boys to all sorts of yummy things at the co-op. I was in such a good mood I spent $97. I am okay about it and not feeling guilty since we did just buy nutirtious foods and special snacks that we are usually tight with the budget about. I am putting 70 in food, 13 in kids, 14 in misc. Also $20 in laundry. $21 on gift for MIL.
Feb 17:
Feb 18: (planning on sticking to this!)


419/550 food
82/100 kids
146/200 misc (basically everything but food)
31/50 fun (dh needs this or he won't stick to it)
32/50 Metro/Gas
45/40 Laundry
$1315!!!/1200 CC debt (largest payment yet)
6/10

= no-spend days (nothing)
= spending within budget
I blew it!

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

BrooklynDoula is offline  
#785 of 1040 Old 02-18-2008, 03:44 PM
 
liangel's Avatar
 
Join Date: Oct 2006
Location: South Carolina
Posts: 481
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
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
2/17-
2/18-

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

Proud mama to : Nicholas James born 3/19/09
liangel is offline  
#786 of 1040 Old 02-18-2008, 04:25 PM
 
ladyinred's Avatar
 
Join Date: Jan 2008
Posts: 451
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by Crunchy*VT*Mom View Post
[COLOR="DarkOrchid"][SIZE="3"]1. Please introduce yourself and tell us anything you think it would help us to know about yourself.
Hi, I've been looking at this thread for a while and would like to try this out. I'm 26 in New Brunswick Canada. My Dbf and I bought our first house in July and are now living very "house poor" with our three cats. I'm a substitute teacher so I don't always know how much I'm going to be working and therefore how much I'm going to be making.

Quote:
Originally Posted by Crunchy*VT*Mom View Post
[COLOR="DarkOrchid"][SIZE="3"]2. Please tell us why you have decided to spend nothing (or spend significantly less) for the Month of February. Memorize these goals and recite them to yourself before all purchases.
Some months I work a lot and get a nice pay cheque and I think that gets me a little over excited and I want to spend it before I even get it. This leads to an over-inflated Visa that I can never seem to catch up on. I know I'm not as badly off as some people. My student loans aren't that bad, not nearly as bad as most people I went to school with, but they are still there.

This month in particular we've had a lot of storm days and there have been a few inservice days that I haven't been able to work so I know that March is going to be a really lean month. In March we have March Break, Easter and parent teacher interviews so April will also be a lean month. Even though there are so many things I would like to be buying right now, clothes paint, other things for the house, I know I can't afford them right now.

Quote:
Originally Posted by Crunchy*VT*Mom View Post
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?
My plan is fairly simple so far. I'm going to take the bus to and from schools, or walk if I can. I got bus tickets for Christmas that will last me into March pretty easily. I have enough to pay for my part of the bills and groceries already tucked away for March and am trying to make enough to pay for April currently. My biggest pitfall is the dollar store. Luckily I don't have one very close so I just won't go there this month. I make a little bit of money by tutoring. This I will save up to pay for the paint for my office which I've been wanting to do since we moved into the house (it's canary yellow right now ) Does anyone have any ideas for me?
ladyinred is offline  
#787 of 1040 Old 02-18-2008, 04:26 PM
 
She2dancer's Avatar
 
Join Date: Jun 2005
Location: Red Sox Nation
Posts: 1,041
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
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.
Hi! I am Sheramy and I am very excited to join this thread!

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

I have decided to try and spend nothing for a variety of reasons. First reason is that we have had some major life changes in the past year (jobs, moving, baby, house etc.) that have put us in a very different place financially than were are accustomed to... Previously we were married with two incomes living in NYC...now we are on a single reduced income, with a child, house and lots of bills...argh....it has been very difficult for us to make the transition. No spending is a neccesity for us.

Additionally, I have decided to forgo any and all unneccassary purchases during Lent.

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?

My first plan is simply to not shop as much If the temptation isn't there, I won't buy anything unneccessary.

I have started to make lists and try and plan meals ahead of time, so when I do go grocery shopping, I stick to the list and don't buy erroneously (as I tend to do).

I have also tried to find no-cost ways to obtain things I would like to try or need to replace (i.e. books/cd's from library, gardening items from freecycle)

Lastly, I am trying to declutter and sell off things that we no longer use/need in order to make a few $. My goal is to sell enough to buy DS a Learning Tower (by the end of March).

A question for everyone...in my no-spend plan, I am struggling with the decision about purchasing seeds for the garden. We just moved into this house and I really want to grow veggies (to cut down on the grocery bill)...I need to decide very soon what to grow and where to get the seeds from, but I am also struggling with the idea in my head that the seeds are not a necessity and I can wait or find another way, but then the other half of my brain is saying that I really do need to buy the seeds right away and from a reputable source....(sorry for the rambling)...any thoughts?

Homeschooling catholic vegan Mama to my boysjumpers.gif Simon (7), Keegan (5), Ezra (2) and ??? due November
She2dancer is offline  
#788 of 1040 Old 02-18-2008, 04:52 PM
 
bellymama's Avatar
 
Join Date: Apr 2007
Location: humboldt california
Posts: 2,792
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by Gumby View Post
welcome bellymama. you can send me your clothes :

i haven't posted here in a few days...it's been bad...relatively...

2/1 groceries, gas
2/2 : no spend, no drive
2/3 : no spend
2/4 hardware store (in budget) : booze
2/5 : no spend, no drive
2/6 : no spend, no drive ('twas snowy anyway)
2/7 chiro for me and dd, stuff for house, groceries
2/8 : no spend, no drive
2/9 : technically no spend, MIL treated to dinner
2/10 : not planning on leaving the house
2/11 postage for things I sold on ebay, made $110 on organic sheets!
2/12 food for dp to take to work, this is his idea of a surprise apparently, i'm going to buy onions too
2/13 :
2/14 : booze, the culprit again
2/15 : that darn mexican coke everyone sings about, really fell off the horse this week, budget spending too
2/16 :
2/17 : snow helps our budget



: no spend (no drive is great too!): 10/19
spending in budget: 6/10
: unnecessary spending: my first no-no on feb4 and 14 and 15
surprise necessary spending: feb12
booze is necessary, damnit.
bellymama is offline  
#789 of 1040 Old 02-18-2008, 04:54 PM
 
bellymama's Avatar
 
Join Date: Apr 2007
Location: humboldt california
Posts: 2,792
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by Crunchy*VT*Mom View Post
Welcome BellyMama! What is "cowbell"? Whatever it is, I need it too because I'm always fighting baby fever.

Okay, Gumby and what is this Mexican Coke stuff? I've never heard of this. Maybe I don't want to know because then I'll be out wanting to buy it too.
http://www.youtube.com/watch?v=_v5Jd3bW1dA
i'm a dork...but i love this skit...
bellymama is offline  
#790 of 1040 Old 02-18-2008, 04:58 PM
 
bellymama's Avatar
 
Join Date: Apr 2007
Location: humboldt california
Posts: 2,792
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
oh, and today i spent 1.65 on loose tea at the Co-Op...and 2.00 on yummy shea butter chapstick (locally made)...and i seriously needed those things.
i drove because i had to get to the next town to do that, but i walked around town doing my errands....and i went into a clothes shop and almost bought a shirt (IT WAS REALLLLLLY CUTE) but i thought of you all and put it down and backed slowly away....
so not bad!
bellymama is offline  
#791 of 1040 Old 02-18-2008, 05:44 PM
 
Gumby's Avatar
 
Join Date: Feb 2007
Location: Urdhva Dhanurasana
Posts: 1,847
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by bellymama View Post
booze is necessary, damnit.
I'm beginning to believe my budget is telling me that...

Quote:
Originally Posted by Crunchy*VT*Mom View Post
Okay, Gumby and what is this Mexican Coke stuff? I've never heard of this. Maybe I don't want to know because then I'll be out wanting to buy it too.
It's Coca cola made in Mexico with real sugar, not HFCS. And all the ladies here are right, it's delish! I mean, if you like soda...Costco sometimes carries it and the grocery store I was at last week caters to Hispanic shoppers, so yum!

I'm doing better...not leaving the house helps...

2/1 groceries, gas
2/2 : no spend, no drive
2/3 : no spend
2/4 hardware store (in budget) : booze
2/5 : no spend, no drive
2/6 : no spend, no drive ('twas snowy anyway)
2/7 chiro for me and dd, stuff for house, groceries
2/8 : no spend, no drive
2/9 : technically no spend, MIL treated to dinner
2/10 : not planning on leaving the house
2/11 postage for things I sold on ebay, made $110 on organic sheets!
2/12 food for dp to take to work, this is his idea of a surprise apparently, i'm going to buy onions too
2/13 :
2/14 : booze, the culprit again
2/15 : that darn mexican coke everyone sings about, really fell off the horse this week, budget spending too
2/16 :
2/17 : snow helps our budget
2/18 :



: no spend (no drive is great too!): 11/19
spending in budget: 6/10
: unnecessary spending: my first no-no on feb4 and 14 and 15
surprise necessary spending: feb12
Gumby is offline  
#792 of 1040 Old 02-18-2008, 06:38 PM
 
Patrick's mummy's Avatar
 
Join Date: Aug 2006
Posts: 550
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Okay, missed a day yesterday (probably out of shame....)

17:
$62 at a home store on bulbs for the garden, some curtains (they were on sale) and a shelf we have needed for 3 years!
$16 groceries - within budget but I did buy some soda (on sale) and a bag of sweets, which was unnecessary AND unhealthy

18:
Genuine no spend, no drive day and the bread's cooking itself right now to prevent that expenditure tomorrow.

I could return the curtains and the bulbs and have half a mind to do so. On the other hand, we are trying to sell our house and the curtains go beautifully with some wallpaper I bought on sale last year, so we could do a whole revamp of our sitting room for $50, because someone on freecycle just offered me a big tub of paint for whatever the paper (I only have 2 rolls) doesn't cover.

What do people think?
Patrick's mummy is offline  
#793 of 1040 Old 02-18-2008, 07:21 PM
 
my2girlz's Avatar
 
Join Date: Oct 2002
Location: Twin Cities
Posts: 2,458
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
2/1~$11 in clothing (much needed undergarments for girls), $20 for bday gift, $44 in groceries (budgeted), $51 in budgeted haircuts for dh and ds.
2/2~$47.22 for household items (Sears and Lowes)
2/3~
2/4~
2/5~ $14.49 for dd1 book fair, $1.25 for pop at gymnastics, $30 for dd's new leotard (outgrew the other one)
2/6~ $8.98 for dd2 book fair, $36 groceries
2/7~ $50 for dd1 school lunch account for last half of year
2/8~ $25 for dd2 school lunch account for last half of year, $80 at grocery store, $14.xx at Subway, $54 to movies, $22.50 for snacks, $67 in gas, $6.50 at Starbucks, $39.xx at Target (Valentines/Candy and birthday gift). Yuck!!!!!
2/9~ DH is heading to Menards.
2/10~
2/11~spent $17.06 on household items, $15 prescription, 24.19 on groceries
2/12~ $43.10 groceries I went there for 2 things
2/13~ $2.94 for dh's sudafed, $4.42 for cold medicine for dh
2/14~ $14.xx for Chinese take out for dh and I
2/15~ $101.xx for groceries
2/16~ $50 for gas, $14.xx for lunch with a friend, $7 for movie with a friend
2/17~
2/18~

no spending 5/10
grocery spending $328.54/$250
clothing spending $41/$100
household $64.28/0
haircuts $51/$45
gas spending $117/$125
eating out 3/2
bday gift spending $41/$35

SAHM to the munchkins (14.5, 11.5, 9.5, 3, and almost 2)
my2girlz is offline  
#794 of 1040 Old 02-18-2008, 08:02 PM
 
ladyinred's Avatar
 
Join Date: Jan 2008
Posts: 451
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
I haven't been keeping good tabs so I'll write what I remember

1/02 - $30 student loans
2/02 - Not sure
3/02 - Not sure
4/02 - No spend (worked am & pm)
5/02 - No spend (worked am & pm)
6/02 - Not sure (worked am)
7/02 - ECMA show for free (worked am & pm)
8/02 - Around $15.00 at ECMA shows : paid 2.50 for using another bank's ATM
9/02 - Around $15.00 at ECMA shows
10/02 - Not sure
11/02 - No spend (worked am & pm)
12/02 - No spend (worked pm)
13/02 - No spend (snow day)
14/02 - $30.00 Student loans
15/02 - $560.00 to Dbf for Feb. bills, $21.xx CD for baby shower, $11.xx picture frame and ricola, $32.xx winter boots (I waited till they were on sale )
16/02 - No spend
17/02 - No spend, Dbf bought brunch and groceries
18/02 - No spend, didn't leave the house (rain storm)
19/02 - No spend, went for a walk, tutored
20/02 - No spend, worked am


= No spend
= Bugeted spending
= Unbugeted but necessary spending
: = Unbugeted and unnecessary spending
= wasn't keeping track

Budget:
$560 - Dbf for bills
$60 - Student loans
Any tutoring money (about $150 this month) goes towards entertainment, supplies for the house and clothing (spending money)
Pay cheque money beyond bills and student loans goes to pay back CC
ladyinred is offline  
#795 of 1040 Old 02-18-2008, 08:29 PM
 
Scribe's Avatar
 
Join Date: Feb 2007
Location: Probably at the thrift store
Posts: 3,961
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Damn. Went for a no-spend today, but failed.

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)
2/17: $23 groceries and a little bit of bath product stuff I sneaked in (in budget), $49 dinner (over budget), $10 Girl Scout cookies (over budget)
2/18:

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)
2/17:
2/18: $2 snack (over budget), +$25 returned shoes

$152/$100 misc. spending
$160/$100 swap/postage spending
5/14 no spend days
4/2 thrift shopping trips
7/5 lunches/coffees
$1,039/$700 credit card pay-down
18/29 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
Scribe is offline  
#796 of 1040 Old 02-18-2008, 09:30 PM
 
ReikiMommy07's Avatar
 
Join Date: Dec 2007
Location: U.S.
Posts: 819
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
No-spend today! THings are looking up!

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

Goals:
6/9 spend days
12/20 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!
Sun 17
Mon 18
ReikiMommy07 is offline  
#797 of 1040 Old 02-18-2008, 09:41 PM - Thread Starter
 
Crunchy*VT*Mom's Avatar
 
Join Date: Apr 2007
Location: Home of the Screaming Pennies
Posts: 2,964
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Welcome LadyinRed and Sheramy! Good luck to you both.

Quote:
I am struggling with the decision about purchasing seeds for the garden. We just moved into this house and I really want to grow veggies (to cut down on the grocery bill)
I would buy the seeds if you really think you will plant them and that you might get food from them -- with the realization that a lot of first-time gardeners don't get as much yield as they expect. It is hard when you aren't familiar with the soil at your new house. But it will be a learning experience and you need to start somewhere...so I would count that as a groceries expense and buy the seeds. Seeds aren't expensive, it is worth a try.

 

 

Crunchy*VT*Mom is offline  
#798 of 1040 Old 02-18-2008, 11:49 PM
 
katheek77's Avatar
 
Join Date: Mar 2007
Posts: 4,285
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
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. Beer - $26
2/17 Lunner (Late Lunch/Early Dinner) $41.93.
2/18 No spend No Drive. I am cautiously optomistic that I will only need to buy milk and possible produce for the rest of this month. Also, amended 2/16 to include 26 dollars in beer (here in PA, you have to buy by the case ).

10/19 no drive days
12/19 no spend days
15/24 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)
katheek77 is offline  
#799 of 1040 Old 02-19-2008, 12:05 AM
 
quelindo's Avatar
 
Join Date: May 2005
Location: On the road to find out
Posts: 3,129
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
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
2/17:
2/18:

KEY:
True no spend
Necessary spending
Unnecessary spending

Formerly New Mama to Henry, born August 2005 and Silas, born November 2010.
quelindo is offline  
#800 of 1040 Old 02-19-2008, 01:25 AM
 
monkey's mom's Avatar
 
Join Date: Jul 2003
Posts: 3,359
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
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:
2/17:
2/18:


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 (This is definitely going to have to be modified! We're on fumes over here. But I'm heartened to see what other people spend on groceries b/c truly I had no idea if ours was a lot. And considering that we have no "eat out" expenditures and deal with pretty severe food allergies, I'm fine with bumping this up. And even that is a far cry from just buying whatever and not even noticing how that monthly expense shakes out. There's about $20 in pet stuff in that number now, and if I bump it up to $500-$550, I think that might be more do-able. That would leave me about $160-210 for the rest of the month.

No spend
Budget spend
Oh, lord, what'd I do?
monkey's mom is offline  
#801 of 1040 Old 02-19-2008, 01:26 AM
 
CityChic's Avatar
 
Join Date: Jan 2007
Location: Chicago, IL
Posts: 1,700
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
2/2 : $43 on CC at jewelry party, ugh
2/3
2/4 Plus an unexpected work bonus (DH just lost his job so this is perfect timing!)
2/5
2/6
2/7 : $11.75 on cold medicine for DH, $23.50 in additional groceries, not budgeted
2/8
2/9 : $23 on a gift for a birthday party, $35 in additional groceries
2/10 : $26 on lunch, $3 Starbucks
2/11 : $13 on wine for dinner
2/12 (Decided not to buy new chair, go me!)
2/13 Planning a no spend.
2/14
2/15
2/16
2/17 : I received a work bonus. We had planned on putting a set amount toward dept. We decided to keep $200 more than planned for ourselves. I know its a bonus, but I feel guilty for taking more than planned.
2/18

On the plus side DH had a good interview today and has working interviews this Friday and next Friday!!!

Key:
- No Spend/Spending in Budget
: - Not in Budget/Not Necessary

Rachael ~ Wife to : DH ~ Son 4-24-07 ~ 6-24-08 ~ Daughter 7-22-09
CityChic is offline  
#802 of 1040 Old 02-19-2008, 02:02 AM
 
Neva's Avatar
 
Join Date: Feb 2006
Location: Vancouver Island
Posts: 362
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Went out for lucnh with friends today. I used to do this all the time (2x week) and I think this is the first time in 6 weeks, so although I'm not proud of the spending it did make me realise that I have been doing good in other areas. I also did well with the groceries, normally $60 and only spend $25, I also bough an unnessicary cook book.

2/1
2/2 :
2/3
2/4
2/5 :
2/6 :
2/7 :
2/8
2/9 :
2/10
2/11
2/12 :
2/13 :
2/14 :
2/15
2/16 :
2/17
2/18

Goal:
8/21
8/15 :

Key
No Spend Day
Budgetted Spending
Gave in to the temptation

: Packed a lunch on days that I work
: Bought Take Out for lunch at work

Megan ~ mama to the Mountain Man (05.30.05) and married to the Rad Man
If I'm not riding my bike I'm reading. Still trying to put the best of both world together.
Neva is offline  
#803 of 1040 Old 02-19-2008, 04:58 AM
 
umarider's Avatar
 
Join Date: Jan 2008
Location: Somewhere with seasons
Posts: 201
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
DH had today off, so we all went out for dinner. Lots of leftovers, though, for tomorrow lunch!

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
2/16 $9.51 McD's lunch for DD & myself because I got too wrapped-up in sewing (admittedly on a leo for which I'll get paid) to notice the time until it was time to leave for ballet and neither of us had eaten lunch! Argh!
Good news is the Mom who is buying leo has other work she wants me to do, so that will bring in some money.
2/17 $25.11 Borders Books, $7.31 Children's Place, $2.60 Choc.shake
2/18 $41.08 Dinner, $41.90 Gas, $40.00 Ebay (bridle) not necessary, but I'm sick of dealing w/ broken equip. at the barn!

Goals:
No spend days: 5/17
Eating out days: 3/6
No CC use: 17/29
Unbudgeted spending: $173.98/0
Track "wants" spending: $83.96

Groceries: $430.85/$550
Household: $153.49/$200
Gas: $130.82/$160
Eating out: $77.28/$70

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

I want to be proud of my spending choices
umarider is offline  
#804 of 1040 Old 02-19-2008, 07:32 AM
 
amyamanda's Avatar
 
Join Date: Mar 2002
Location: VT (zone 5)
Posts: 1,436
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by She2dancer View Post
A question for everyone...in my no-spend plan, I am struggling with the decision about purchasing seeds for the garden. We just moved into this house and I really want to grow veggies (to cut down on the grocery bill)...I need to decide very soon what to grow and where to get the seeds from, but I am also struggling with the idea in my head that the seeds are not a necessity and I can wait or find another way, but then the other half of my brain is saying that I really do need to buy the seeds right away and from a reputable source....(sorry for the rambling)...any thoughts?
Hi, Sheramy! I always include gardening supplies in my grocery spending. I figure that (for example) organic broccoli costs a couple of bucks a head, and a pack of seeds costs a couple of bucks but I can get several heads of broccoli for several years in a row out of a pack of seeds so it's worth it. If I get ONE head of broccoli, it has paid for itself, you know?

Just be conservative when you buy your seeds and don't buy a ton of things you're not sure if you can eat or grow.

Store seeds in a cool, dry place in a glass jar or a ziplock bag (I store mine in our extra fridge) and they will last 2-5 years depending on the seeds. They will lose a little potency each year, but if you sprout them (in a wet paper towel or a little shallow dish of water) before you plant them, you'll know which ones are viable.

If you can't afford soil amendments like manure or fertilizer, plant your plants further apart (and start a compost pile for next year). Gardening has been a huge experiment for me, but I've learned a lot and I love that it brings us FREE FOOD! Beans and peas and zucchini/summer squash tend to be very easy to grow, if you're looking for a sure thing. Good luck!

Amanda, mom to Everest (12), Alden (10-1/2), Ellery (7-1/2), & Avery (6)
amyamanda is offline  
#805 of 1040 Old 02-19-2008, 08:39 AM
 
mumkenna&lucas's Avatar
 
Join Date: Aug 2007
Posts: 911
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
2/1
2/2
2/3
2/4
2/5
2/6
2/7 $20 bookstore, $41.72 target, $19 lunch
2/8
2/9 $4.80, $10.00 dd valentines gift
2/10
2/11 $10.25 book, $44.73 co-op, $14.25 co-op
2/12
2/13
2/14
2/15
2/16
2/17
2/18

February Spending Goals:
No Spend days: 14/25
No etsy/DS/ebay: (except ds trades only!)15/25
Non-necessary Spending: 164.75/200
mumkenna&lucas is offline  
#806 of 1040 Old 02-19-2008, 10:45 AM
 
mamaof6's Avatar
 
Join Date: May 2007
Posts: 238
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
All planned/budgeted spending today. I even passed on the coffee. And I got my 30 minutes of decluttering/organizing done.

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
2/16 $47.00 Melaleuca order
2/17 $20.00 charitable contributions; $44.82 groceries; $2.35 coffee
2/18 $25.00 nutritionist consultation; $80.00 haircut & color; $104.44 groceries; $17.63 household

Today could be a no spend if I resist the coffee. I need good vibes from the No Spend fairy. Kids are going over to friends house so I should also get tons of decluttering done. :

Jill


My Plan

Groceries: $622.39/$750
Household: $96.31/$150
Gas: $116.76/$200
Coffee: $16.84/$25
Frivolous Spending: $1.70/$100
Birthday for DS #2: $53.18/$50
10 no spend days: 3/10
25 no stores days (grocery or Big Box): 12/25
No Credit Cards: 18/29
2x eat out with hubby and/or kids: 2/2
22 hrs decluttering: 6/22
mamaof6 is offline  
#807 of 1040 Old 02-19-2008, 11:21 AM
 
Ruthiegirl's Avatar
 
Join Date: Jun 2004
Location: Feet in the mud, head in the clouds
Posts: 3,637
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 10 Post(s)
Feb 1 -- 42.94 groceries, 2.50 hot chocolate
Feb 2 -- Had a baby!! 15.00 hospital snacks
Feb 3 -- 23.83 groceries, 20.00 pizza/snacks
Feb 4 -- no spend
Feb 5 -- 7.74 groceries
Feb 6 -- 42.39 cell phone minutes
Feb 7 -- 25.00 dd's dance lessons
Feb 8 -- 44.91 groceries
Feb 9 -- 47.69 household
Feb 10 -- 10.00 donation
Feb 11 -- 48.00 gas
Feb 12 -- 92.00 Ergo baby carrier
Feb 13 -- 30.00 medical co-pays
Feb 14 -- 73.56 food co-op
Feb 15 -- 20.84 groceries, 23.00 lunch, 20.00 haircuts for kids
Feb 16 -- 12.71 beer, 14.00 pizza (!!!), 26.04 bathing suits for kids
Feb 17 -- no spend
Feb 18 -- no spend
Feb 19 -- 6.50 gasket for blender


Groceries/household -- 280.72/500
Eating Out -- 74.50
Medical -- 30.00/30.00 (2 well baby visits)
Personal spending -- 164.39
Gas -- 60.00/100
Clothing -- 26.04/50.00

Debt reduction goal -- 500/500 to credit card
Hello tax return! Huge credit card payment! -- 4322.14

Whoa!!! I am catching up today after a very spendy weekend. DH took the older kids for much of the weekend while I chilled with the baby. Of course when dh has the kids they spend a lot of money. It drives me a little batty, but he kept it within reason and I did have a quiet and lovely couple of days nursing and cooing with our littlest one.

And we got our tax return and paid off our credit card. Hooray!

Frugal, food growing mama to my four loves

Ruthiegirl is online now  
#808 of 1040 Old 02-19-2008, 01:14 PM
 
JunebugsMom's Avatar
 
Join Date: Jan 2006
Location: San Diego, CA
Posts: 1,075
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
2/18: $7.02 gelato, $4.81 postage
JunebugsMom is offline  
#809 of 1040 Old 02-19-2008, 01:49 PM
 
annethcz's Avatar
 
Join Date: Mar 2004
Location: on the beautiful prairie of MN
Posts: 9,947
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Boy, it seems like I'm always trying to catch up with the thread, I haven't been online as much as usual this month.

Today should be a no drive, no spend again

February 1- stayed within budget: $38.35 for pizza, paid bills
February 2- stayed within budget: $110.02 household/misc., $297.39 groceries
February 3-
February 4- stayed within budget: $37.35 gas, paid kids' bowling league fees for the month
February 5-
February 6-
February 7- stayed within budget: $80.27 at Target for school stuff (household/misc)
February 8- stayed within budget: $63.88 DD's birthday party (eating out budget), : $13 chicken feed and bedding, which puts me $3 over my household/misc budget for the month.... unless I count chicken feed as a grocery expense since we get eggs in return for the feed???? I'll have to think about this one.
February 9-
February 10- stayed within budget: $76.47 groceries, $39.01 gas
February 11- stayed within budget: $25.19 take-out
February 12- : went out for lunch with DH $25.07, picked up a wafflemaker at Goodwill $5.31, met a friend for dinner $8, then went shopping and bought a ton of clothes I didn't need $69.33.
February 13- stayed within budget: $55.07 gas, $19.95 school lunches (grocery) : Lunch with DH: $23.85, $30.96 new undies for me (Happy Valentine's Day to DH).
February 14- and +$26.94 clothing return
February 15- stayed within budget: $34.50 groceries
February 16- stayed within budget: $44.91 gas : went out with DH and my sister- $64 for dinner and $27.75 for a movie
February 17-
February 18-
February 19-

My goals for February:
Track Grocery Spending: $428.31/$550
Track eating out/take out/entertainment spending: $276.09/$150
Track my gasoline spending: $176.34/$180
Track household/ misc. spending: $281.95/$200
Track frivolous spending: $78.66/$0
True no-spend: 8/18 days
No frivolous spending: 16/29 days
No credit card use: 19/31 days
Stay within 15 miles of home: 9/22 days
No-drive: 5/12 days
Exercise: 420/1000 minutes on the treadmill

New signature, same old me: Ann- mama of 2 boys and 2 girls, partnered to a fabulous man.
I'm an unintentional weasel feeder and I suck at proofreading.
annethcz is offline  
#810 of 1040 Old 02-19-2008, 01:50 PM
 
annethcz's Avatar
 
Join Date: Mar 2004
Location: on the beautiful prairie of MN
Posts: 9,947
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by Ruthiegirl View Post

And we got our tax return and paid off our credit card. Hooray!
CONGRATULATIONS!!!!

New signature, same old me: Ann- mama of 2 boys and 2 girls, partnered to a fabulous man.
I'm an unintentional weasel feeder and I suck at proofreading.
annethcz is offline  
Reply

Quick Reply
Message:
Drag and Drop File Upload
Drag files here to attach!
Upload Progress: 0
Options

Register Now

In order to be able to post messages on the Mothering Forums forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.
User Name:
If you do not want to register, fill this field only and the name will be used as user name for your post.
Password
Please enter a password for your user account. Note that passwords are case-sensitive.
Password:
Confirm Password:
Email Address
Please enter a valid email address for yourself.
Email Address:

Log-in

Human Verification

In order to verify that you are a human and not a spam bot, please enter the answer into the following box below based on the instructions contained in the graphic.



User Tag List

Thread Tools
Show Printable Version Show Printable Version
Email this Page Email this Page


Forum Jump: 

Posting Rules  
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are Off