**June No- Spend Challenge** - Less than a week to go! Let's finish strong!! - Page 3 - Mothering Forums

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#61 of 494 Old 06-02-2008, 06:16 AM
 
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1. Please introduce yourself and tell us why you have decided to spend nothing (or spend significantly less) for the Month of June.

I need to make up for slower sales on my website. Also we need to get used to a tighter budget because we will have two preschool tuitions to pay starting this fall.

2. 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?

I am going to stay out of stores, remember to focus on what we HAVE. Try to keep busy with free activities (playdates, library, park, etc.)


3. Be specific! What are your goals? How many no spend days is right for you? Do you have a savings goal? Debt repayment goal?

To stick to my budget!

My codes:
no spend
budgeted spending
not necessary, but not too bad
: waste of money


June 1:
June 2: (gas $59, groceries $100)
June 3: (letter translation and gift to dd's foster mom $139)
June 4: (playfood for the kids, pizza to bribe sister to babysit)
June 5: : (let the kids buy some random junk at craft store while buying father's day gift, I bought scrapbooking tape)
June 6: ($5 Starbucks while helping friends get ready for charity garage sale)
June 7: ($3 lunch, $4 spent at the garage sale, not too bad!)
June 8: (groceries $160, made curtains with fabric I already had!)
June 9:
June 10: (Dr. appt copay $15)
June 11:
June 12: (Chinese DVD $15 - in budget, but not exactly "no spend")
June 13: (groceries $30, did NOT grab lunch on the way somewhere!)
: (had a rough afternoon, asked dh to get dinner on way home)

*Gee, I was expecting a lot more thumbs up days! I gotta get my act together!
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#62 of 494 Old 06-02-2008, 08:29 AM
 
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June 1- Took my dad out for coffee after church! ($11)
June 2- MAJOR spendage. There was a miscommunication regarding (supposed!) free tickets to a water park. Only when we got there, we had to pay $34 extra for the 3 of us!!! I am really bummed and angry for being deceived.
June 3- Planned spend for a dinner date with dh! Our first one in MONTHS!
June 4-:
June 5- $11 breakfast $31 Pictures for Fathers Day, this was planned spending $14 lunch. BAD day...


My goal for the month:
15/30 No drive days
No buying things for the kids. (clothing/shoes/toys)
$59/$200 Unplanned spending
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#63 of 494 Old 06-02-2008, 09:11 AM
 
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Ok! These threads have come a long way since I participated last. I love all the smiley keys and the accountability lists in one post.

GOALs:
total no spend days: 13/20
Grocery spending $260/$200 :
unplanned spending: $243 ($135 frivolous)
planned spending: $130 ($115 frivolous)

No drive days : 16/20 hale:

Car repair & gas exempt
Anniversary with DH exempt

Electric bill (comes at the end of the month): < $125 & < 1000 KWHs used is my goal
Heck, I'll throw my weight-loss goal in here too 0/5lbs Excersise: 7/15 :



June 1: hale:

June 2: hale:

June 3:

June 4: : $115

June 5: hale: $15 amber necklace co-op, $15 clothes

June 6: hale: $107 on L & Xl diaps

June 7: anniversary :

June 8: : $45 $15 birthday present

June 9: hale:

June 10: hale:

June 11:

June 12: hale: :

June 13: hale: :

June 14: hale: bought take-out chineese & beer $50

June 15: : $100 universal studios w/visiting nephew

June 16: hale:

June 17: hale:

June 18: hale:

June 19: hale: : Whale bag co-op peer pressure $20

June 20: : $100

June 21: hale:

June 22: : $90 amazon (40 is grocery) hale: :

June 23: hale: :

~laura
and planning to eat it again
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#64 of 494 Old 06-02-2008, 09:32 AM
 
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Quote:
Originally Posted by soygurl View Post
ETA: I also really need some firm spending limits for visits with Jenny. I need to try and find a way to keep our outings free/very cheap. I've been spending WAY too much!
She's 13? What is she like? How often and what times of day do you have outings? Are you restricted to certain areas?


ETA-- I need some no-spend ideas for a baby-friend of mine. She's turning 1 in two days. Her mom got my 1yo a romper, crayons, and a book just two weeks ago.
I was thinking that I could tie dye her a onesie and a shirt, but what else?

~laura
and planning to eat it again
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#65 of 494 Old 06-02-2008, 09:44 AM - Thread Starter
 
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My name is Rachael, WOH mom to DS 1 and wife to a chef DH. My DH is a student and this has been tough. He recently began working part time and this seems like a huge turning point for us.

We have a goal of paying off ALL our debt (including student loans) by November 1, 2010. In order to do this we need to stick to our budget so we can put money towards our goal. We have two credit cards left (Total debt $4,615.00) and student loans in order to be debt free.

Our plan: STICK TO THE BUDGET.

- We have decided to take out cash for our spending categories and groceries and then put away the debit card.

- DH is on board with this for the first time and that will also help me stay on board.

- We plan to put between $400 - $800 toward debt a month. This will fluxuate based on the amount of hours DH works, but $400 is the minimum.

- We are re-committing to tithing. We made a commitment to tithe and have not followed through on it, we feel like this is a must in our lives.

****
June Goals
No Spend Days - 20/30
Debt Payment $400 (hoping for $650!)

**This month will be tough, my mom is coming to visit, then my sister, then I am going to visit extended family and DH has guys weekend...sounds like a lot of $$$!!


Past Performance

May
Total Overspend - $323.01
Total No Spend Days - 19/15
Pay $400 toward debt - $1,176.27 / $400

April
Total Overspending $700.00
Total no spend days - 13/30

March
Total overspending $478.33
Total no spend days - 20/31

February
Total overspending $666.45

Rachael ~ Wife to : DH ~ Son 4-24-07 ~ 6-24-08 ~ Daughter 7-22-09
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#66 of 494 Old 06-02-2008, 09:47 AM - Thread Starter
 
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Quote:
Originally Posted by Synchro246 View Post
ETA-- I need some no-spend ideas for a baby-friend of mine. She's turning 1 in two days. Her mom got my 1yo a romper, crayons, and a book just two weeks ago.
I was thinking that I could tie dye her a onesie and a shirt, but what else?
Along with tie-dying can you sew? My girlfriend started "embelishing" onesies by adding ruffles, collars, ties, etc. they are SO CUTE!

Also, as a mom of a child that age I would love to get a "coupon book" from a friend with free babysitting and/or playdates.

Rachael ~ Wife to : DH ~ Son 4-24-07 ~ 6-24-08 ~ Daughter 7-22-09
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#67 of 494 Old 06-02-2008, 10:43 AM
 
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June 1 - (0.00 /$75.00)

= Under my $2.50 / day
= over $2.50 a day
: = no drive day
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#68 of 494 Old 06-02-2008, 10:56 AM
 
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1. Please introduce yourself and tell us why you have decided to spend nothing (or spend significantly less) for the Month of June.

I did okay last month, this month we are getting closer to our house build date so we need to really buckle down!

2. 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?

If i don't go in i don't spend and I try not to buy anything unless ive got the cash for it. i take $20.00 out on Monday and it is great when there is some left on Saturday. Stay home more, go hiking etc instead.


3. Be specific! What are your goals? How many no spend days is right for you? Do you have a savings goal? Debt repayment goal?

We just need to keep increasing the checking account..... 15/30 No spend

6/1 No spend
6/2
6/3
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#69 of 494 Old 06-02-2008, 12:30 PM
 
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Quote:
Originally Posted by heatherweh View Post
...Going back to the cash-in-envelope plan. It really works for us WHEN we are strict about it.... I have budgeted $60 for personal spending this month- cash in envelope. $300 for groceries, $100 for family entertainment (which would include any festivals, eating out, gifts, anything of that nature). My goal is to not go over the cash in the envelopes and maybe even to have some left at the end of the month....Stay out of the stores except for my once a week to the farmer's market (when I can make it) and once a week to the grocery...Planning menu around items already in pantry....
I am doing this, as well. I have $50 in the "petrol" envelope, and $500 in the "grocery" envelope. Apart from bills, I plan to spend nothing this month.


Goals:
* No out of budget spending : $58/$0
* 20 No Drive days: 2/20
*Money added to savings: $/$500
*15 packalunch for work days: /15



My "scorecard"
= no spend
= budgeted spending
= unexpected spending
: = unneccessary spending
: = no drive day (I will remove the smiley if I drive that day)
: packed my lunch for work

1 June:
2 June: (paid rent) :
3 June: (petrol and groceries)
4 June: :
5 June: ($25 for camera batteries and film)
6 June: :
7 June: (groceries - but my grocery envelope is now empty, so I'll try to make what I have in the kitchen last the rest of the month.)

: ($33 at a yard sale for a chair and a lamp)
8 June:
9 June: :
10 June: :
11 June: :
12 June: :
13 June: :
14 June: :
15 June:
16 June: :
17 June: :
18 June: :
19 June: :
20 June: :
21 June: :
22 June:
23 June: :
24 June: :
25 June: :
26 June: :
27 June: :
28 June: :
29 June:
30 June: :

Visit www.evolutiontosimplicity.blogspot.com to follow my epic saga of single mummahood....

 

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#70 of 494 Old 06-02-2008, 01:44 PM
 
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I did okay last month, trying for more no-spend days this month!
Im just trying to increase our savings and decrease the amount of junk I buy!
Key:
No spend:
Budgeted:
Not Budgeted: :


June 1st:
2nd:
3rd:
4th:Farmers market
Fines at the Lib.:
5th: Food budgeted
Gas
6th:
7th:Target Budgeted
8th:
9th: Chiro Unbudgeted but needed!
10th:
11th:Gas budgeted
Jo-Anns unbudgeted:
12th:Food budgeted
13th:
14th:
15th:
16th:Food Budgeted
Pay-Pal budgeted
17th:
18th:
19th:Target Budgeted
20th:Coffee not budgeted :
21st:
22nd:
23rd:Gas
24th:
25th:Pizza not budgeted:
26th:Medicine not budgeted but needed
27th:GroceryStore, budgeted, but went over:
28th:B-fast with fam
29th:
30:Lunch unbudgeted :

Mileage:
June2nd to 8th:72.5
9th to 15th:103
16th to 22nd:93
23rd to 29th:65
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#71 of 494 Old 06-02-2008, 01:55 PM
 
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I've been meaning to join in here for several months. I finally have some real money goals now so I NEED a place to record everything. I've made a list of money rules for myself and I think my goals are pretty realistic

So far for June

1st - 0
2nd - 0
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#72 of 494 Old 06-02-2008, 03:32 PM
 
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June 1 -
June 2 - Groceries $165


No spend days 1/20

Key:

No spend
budgeted/necessary spending
frivolous/unbudgeted spending
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#73 of 494 Old 06-02-2008, 07:51 PM
 
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01..
02..
03..
04..
05..

Goals:

2/20 No spend days
2/30 Fast Food Free days
0/10 Let the car rest days
$0/$100 Unnecessary Spending

 

 

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#74 of 494 Old 06-02-2008, 07:59 PM
 
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I can't tell you how many times today I thought of buying something or doing something that required money that I just didn't need to do...and I thought of this thread!!!

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#75 of 494 Old 06-02-2008, 08:19 PM
 
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Hey everyone! Looking forward to this month and I have my hubbie on board as well..
Ive added a few goals..

May 31st: 279 for groceries (Last month but it was from this months budget)

June 1st: :
June 2nd: ::

Personal spending: 0/$200
Grocery spending: $279/$400
Eat Out budget: 0/$30
Debt paid off: 0/600
Savings: 0/200

Budgeted spending
Unneeded/over budget spending
No Spending Goal: 2/20 days
: No drive day Goal 1/20
: Pack snacks/water for trips 2/30 Pack lunch for DH 1/20
Organizing days: 1/20
Exercise days: 1/25

Other Goals: Get a water filter instead of buying bottled water; Go through DD's toys and get rid/sale what she doesn't use; make a list of what we need and budget for new baby; pay off 600.00 in debt; save at least 300; Exercise daily and start getting everything organized for the move.
I think thats all! I hope this month goes well!

~Heather~ Mama to Miss E (1/07), Miss A (11/08), Mr.T (2/11) and Miss A (10/12) Expecting our newest blessing sometime late Sept/early Oct.. Wife to my Marine since 11/2005
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#76 of 494 Old 06-02-2008, 09:11 PM
 
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Yay! A no-spend day. (It wasn't exactly intended to be no-spend; we were planning to try the trolley to the library, but I couldn't get everyone out in time. We'll probably do it tomorrow, but it's ok, that's planned.)

So I've managed 50% so far...

It's a start.
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#77 of 494 Old 06-02-2008, 09:17 PM
 
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06/01
06/02

Goals
2/21 No spend days
0/$125 Unnecessary spending
0/$300 Car repair bill.

Jenny, proud maker of red things
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#78 of 494 Old 06-02-2008, 10:05 PM
 
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June 1 - (0.00 /$75.00)
June 2 - (0.00/$75.00)

= Under my $2.50 / day
= over $2.50 a day
: = no drive day
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#79 of 494 Old 06-02-2008, 11:26 PM
 
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6/1: Donated flowers for town hall $36/ Flowers for me $28.29
6/2:


No Spend
Budget Spend
Over Budget

This month should be a bit quieter for me--no travelling in my plans. I do, however, want to take a few day trips to the beach. But, that's going to be gas $$. :sigh: We'll see how the month pans out.
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#80 of 494 Old 06-02-2008, 11:35 PM
 
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6/1: $20 on cake for ds's bday party
6/2: $75 Target, $35 gas, $22 food, $65 medical bill

Yeah, I know, it doesn't look like a stellar start. It's not quite as bad as it looks though. We had another cake for ds, but picked up an ice cream cake for my friend that is gluten free at the last minute. I'm glad my mom remembered that, so everyone could have cake. She even offered to pay for it, but I'll count it for now since I don't think she should pay. Today was as lot of money going out, but almost all of it was necessary. I think all but $20 was necessary.

We are trying to do a weekly budget, and we've spent it for the week, so I'm aiming for 5 no spend days this week! The only exception will be Father's Day and wedding gifts (we have money set aside for these). FIL wants a book, I hope I can stay strong on Amazon! Maybe I should look at our local bookstore for it, a bit less temptation!

Baking mama to dd (7.5), ds (6), ds (3.5) and someone new in April
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#81 of 494 Old 06-02-2008, 11:36 PM - Thread Starter
 
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June 1 : $19.22 Lunch

June 2 No spend - If I ever needed a reason to save this would be it


****
No Spend Days - 1/20
Debt Payment $0/$400 (hoping for $650!)
Total Overspend: $19.22

Rachael ~ Wife to : DH ~ Son 4-24-07 ~ 6-24-08 ~ Daughter 7-22-09
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#82 of 494 Old 06-02-2008, 11:37 PM
 
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Quote:
Originally Posted by CityChic View Post
June 1 : $19.22 Lunch

June 2 No spend - If I ever needed a reason to save this would be it


****
No Spend Days - 1/20
Debt Payment $0/$400 (hoping for $650!)
Total Overspend: $19.22
Congrats Rachael!

Baking mama to dd (7.5), ds (6), ds (3.5) and someone new in April
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#83 of 494 Old 06-03-2008, 12:20 AM
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So far so good

June 1, 3.13 at coffee shop but it was planned (catch up night with dear friend)
June 2, no spend
June 3, no spend
June 4, no spend
June 5, no spend
June 6, took boys out for cold drinks, first really nice day 7.77
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#84 of 494 Old 06-03-2008, 01:05 AM
 
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Congrats on the pregnancy, CityChic! Yay!


1: : $10 lunch w/ sister
2:



Truly no spend!
: Groceries
Necessary or planned spending
: unnecessary spending
$0/$450 budgeted baby spending
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#85 of 494 Old 06-03-2008, 01:39 AM
 
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First day good!

6/1:
6/2:

Goals:
1) Do not spend more than my income.
2) Save atleast $25/mo.
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#86 of 494 Old 06-03-2008, 01:52 AM
 
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6/1 $8 coffee
6/2

June Spending Goals:
No Spend days: 1/30
No etsy/DS/ebay: 2/30
Non-necessary Spending: 8/400
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#87 of 494 Old 06-03-2008, 02:03 AM
 
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I'm Melanie
We are moving across country in 8 weeks! I NEED THIS CHALLENGE! I have a very planned budget and I need to stick to it. So far, not so good. I can do this.

June
1st- Pizza $25
2nd- Chiropractor $25 (not planned, but HAD to go) $15 hair cut for Zach.
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#88 of 494 Old 06-03-2008, 05:48 AM
 
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Hi! I'm Jamey (27, hopefully TTC in 2009. Back again for the 4th month! I sort of failed at keeping track last month. I'll be better this month.

The game plan:
-keep track of everything
-plan ahead for nights I'm out (June is a busy month for us - need to make sure we have quick dinners/lunches for the next 2 weekends)
-find one place to reduce spending by minimum of £20 from last month
-make a real itemised budget with specific categories (not just 'household' and 'extra spend')
-no more than 1 day per week of tube/bus transport unless really necessary (cycling the other days)
-update at the end of every week

June Goals:

Groceries: £220
Transport: £70
Household expenses:£150
Extra/Cr*p: 250
Into Savings: £160

= no spend
= in-budget spend
= unnecessary spend
: = bike to work day

Bicycle-ridin', craftin', bloggin' feminist future mama to my starbabies dum spiro spero
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#89 of 494 Old 06-03-2008, 04:58 PM
 
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My key:

:= groceries
:=gas
=spending other than gas or groceries
=no money left my hands

6/1-
6/2- $35 nails, $7.23 on Pita Chips, and McD's and Sonic shake
6/3-

Proud mama to : Nicholas James born 3/19/09
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#90 of 494 Old 06-03-2008, 05:03 PM - Thread Starter
 
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Thanks for the well wishes ladies!!!!

***
June 1 : $19.22 Lunch

June 2 No spend - If I ever needed a reason to save this would be it

June 3 : $26.36 for household items (ie contact solution, etc.)


****
No Spend Days - 1/20
Debt Payment $0/$400 (hoping for $650!)
Total Overspend: $45.58

Rachael ~ Wife to : DH ~ Son 4-24-07 ~ 6-24-08 ~ Daughter 7-22-09
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