~September No Spend Challenge~ Finishing Strong! - Page 13 - Mothering Forums

Forum Jump: 
 
Thread Tools
Old 09-17-2008, 04:52 PM
 
Crunchy*VT*Mom's Avatar
 
Join Date: Apr 2007
Location: Home of the Screaming Pennies
Posts: 2,961
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
I can feel myself pulling in to my mid-month slump, y'all. This is about the point where I always lose it and end up spending. I want to thrift. I want to have fancy coffee every day. I want to order a replacement for the jersey I ordered Mark for his birthday that doesn't fit him but does fit me (and I am so keeping). I want new running shoes. And on and on...
I hear you Grace. Just know we are rooting for you to beat that slump and power through.

I read a book that was triggering for me called "You are Broke Because You Want to Be" by Larry Winget About how the little choices in life are what cause you to be in the position you are in.

Wooo...did his words ring true for me.

One of his main pieces of advice for getting out of debt -- DON'T SHOP.

I need to have that tattooed on my wallet.

~~~~



We're not broke, but we don't have the savings cushion I would like to have.

So I'm choosing to spend our money differently than we have in the past. Thank you Larry Winget.


01.. $74 babysitter and latte
02.. $10.29 Wendy's
03..
04.. :
05.. $13 baked goods for playgroup
06.. $130 two shirts and two nursing tank tops
07.. :
08.. :
09..
10.. :
11.. $15 for nursing tank top :
12.. $10 fancy schmancy diaper salve
13..
14.. $40 fleece, $2 coffee, $5 map
15.. $28
16.. :
17..

Goals:
9/20 No Spend Days
6/10 Let the Car Rest Days :

 

 

Crunchy*VT*Mom is offline  
Sponsored Links
Advertisement
 
Old 09-17-2008, 05:19 PM
 
slsurface's Avatar
 
Join Date: May 2007
Location: under a pile of shells
Posts: 2,479
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
9/1: $14 for 5 pants, 4 shirts, and shoes for ds at thrift store
9/2: $2.50 coffee for DH and I, $9.50 for city trash bags
9/3:
9/4: $12 for eyebrow threading (I haven't had it done in over a month and I'm beginning to look like sasquatch ), $11 for yarn to finish ds' sweater, $77 in gas to fill up both cars (gas at a record low of $3.75/gal - hasn't been that low here in over 6 months), put $500 of paycheck into savings!
9/5: $65 for sandals at Endless.com, $20 dinner out with sister
9/6: $82 for groceries, $61 for school supplies (actually for ds’ Christmas) & two sheet sets, $14 clothes at thrift store, $100 for window installation, $20 for router & table DH bought from friend
9/7: DH’s parents want to go to IKEA, we budgeted $50 for trip and spent $55 (not bad)
9/8: (I’ve gotta be good the rest of this week to make up for the damage done over the weekend)
9/9: $6.50 for support hose & $10 for Dr visit
9/10: $53 for meds and vitamins
9/11:
9/12: $16.80 for stamps
9/13: $90.97 for groceries, $16.70 for winterizing supplies, $10.82 for breakfast out
9/14: , :
9/15:
9/16:
9/17: $15 for costumes at thrift store, $50 for my months worth of milk, eggs, cheese, and beef from the cow-share

My KEY:
= No spend
= Budgeted or necessary spending
= Un-Budgeted spending
= Put money in savings
= Saved money
: = No driving or biking only

MY GOALS:
6/15 No Spend Days
2/2 Eating Out
$427/$600 Groceries, gasoline & household expenses
$25/$25 Winter clothes for ds
$175/$150 Home Improvement
$500/$500 Put in household savings
Total Un-Budgeted spending = $124.50
slsurface is offline  
Old 09-17-2008, 07:10 PM
 
Turquesa's Avatar
 
Join Date: May 2007
Posts: 4,068
Mentioned: 2 Post(s)
Tagged: 0 Thread(s)
Quoted: 54 Post(s)
Code:

= no unnecessary spending today.
= unnecessary spending today.
: = no-drive day.

September 1: But only a minor faux-pas. I forgot to pack snacks, caved, and bought a 99-cent box of Jelly Bellies!
2nd My, my! We're not off to a good start this month! DD was driving me CRAZY, and I had to get out tonight to work on a speech I'm writing, and only the expensive coffee shops were open. I ended up spending $4.71 at Starsucks.
3rd
4th $110.00 in groceries
5th
6th I'm not sure which face to put up. I needed bras. Did I need the good kind from Victoria's Secret at $132.00 for three of them?
7th $10.00 church collection
8th : Wrote big fat hairy check to mortgage company :
9th $7.00 for weekly lunch date, (feeds three of us!) and nearly $6.00 for a storage caddy for some household clutter.
10th $110 in necessary groceries, $40.00 in necessary gas, $3.00 on an unnecessary latte.
11th : Paid one bill.
12th
13th Sugar-crashed. No food. In car. Needed. Latte. Scone. Now!! $6.33.
14th : $25.00 donation to church building fund, another $25.00 for church raffle. I argue that charity is necessary, but I'm struggling with how to incorporate it into frugal living without seeming like a miserly monster.
15th 11.00 on sink patch kit (needed), and "caulk remover" (maybe I'll return that). 10.00 on a new potty seat for DD, who's about to start learning that fine art . . .
16th $8.00 on budgeted, weekly lunch date with family.
17th but : $20.00 on produce from the farm, $101.00 on groceries (I would have stayed within budget if I didn't live in one of those backward grocery tax states!), $28.00 on DHs meds, and $28.00 for some staining supplies. (Hey! I almost caved in to a $400 bid, so I'm doing pretty well to DIY on my back deck!)
18th
19th
20th $12.00 at Home Depot to sample a paint color. Don't hold your breath; I didn't like it. And then broke no-eat-out fast b/c DH and I forgot to eat before going out. $16.00 at Baja Fresh.

In God we trust; all others must show data. selectivevax.gifsurf.gifteapot2.GIFintactivist.gif
Turquesa is offline  
Old 09-17-2008, 07:17 PM
 
Scribe's Avatar
 
Join Date: Feb 2007
Location: Probably at the thrift store
Posts: 3,806
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
OK, today is going to be the beginning AND the end of my falling off the wagon. FIDO.

Sept 1:
Sept 2: $7 lunch
Sept 3: $29 shipping; $7 breakfast/coffee
Sept 4:
Sept 5: $16 shipping
Sept 6:
Sept 7:
Sept 8:
Sept 9: $11 Goodwill
Sept 10:
Sept 11: $5 coffee/banana
Sept 12: $7 coffee/turnover
Sept 13:
Sept 14: $36 on sports bras and socks
Sept 15: $6 coffee/muffin
Sept 16:
Sept 17: $29 craft supplies; $5 afternoon snack/coffee; $6 McD's dinner
Scribe is offline  
Old 09-17-2008, 08:56 PM
 
honeybee80's Avatar
 
Join Date: May 2005
Location: Rocky Mountains
Posts: 827
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
9/1: $30.03 groceries; : $27.98 wasp trap, grill brush & lighter, ceiling hooks
9/2: :
9/3: :
9/4: :
9/5: :
9/6: $60.32 groceries, $9.45 baby wipes, $6.36 bday presents for DS at the $ store; : $7.49 outfit from thrift store for costume party
9/7: :
9/8: :
9/9: :
9/10: :
9/11: : $10 really cool patchwork skirt at thrift store, $20 dinner/drinks with a girlfriend, $2 parking meter
9/12: :
9/13: $110.67 groceries, : $40 sushi for friend's bachelorette party
9/14: : $55.08 + $35.09 organic cotton pants, $53.15 new bag for me
9/15: $32.50 gas (first fill up in 3 1/2 weeks!!), $16 yarn for hat for DS, bought with birthday money; : $.60 candy bar
9/16: :
9/17: :

No spend days 11/18
Grocery total: $201.01/$225

My key:

: no spend
budgeted spending
: unnecessary spending

Single mama to DD 10/18/03 and DS 9/15/05 

honeybee80 is offline  
Old 09-17-2008, 09:12 PM
 
monkey's mom's Avatar
 
Join Date: Jul 2003
Posts: 2,922
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
9/1 :
9/2 :
9/3 :
9/4 : Gas $40 /Groceries ~$36
9/5 :
9/6 :
9/7 :
9/8 :
9/9 : Groceries $200
9/10:
9/11:
9/12: Thrift store (fall clothes for ds1, fabrics for Xmas presents, couple toys for kids) ~$23
9/13:
9/14:
9/15:
9/16:
9/17: Groceries $287.39 /Gas $84.40/ Vet $15


No spend
Budget spend
Over spend

Groceries $523.39
Gas $124.40
Misc. $23
Vet $15
monkey's mom is offline  
Old 09-17-2008, 09:31 PM
 
Ofwait's Avatar
 
Join Date: Feb 2008
Location: Here
Posts: 726
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
I would like to start... Maybe if I am accountable to more than just myself...DH does not do money... it will work out better.

Today- $167 groceries...

I want to beable to spend less, cause I realize I forgot a few things, and that means 200, just for the week. I am just starting to learn about the coupons.
By the way if you homeschool and your local paper has a Newspapers in education program you can get the paper for FREE!!!

C wife to J, Mom to B, C and Jjumpers.gif Iblahblah.gif, and Pbabyf.gif

Ofwait is offline  
Old 09-17-2008, 10:41 PM
 
milletpuff's Avatar
 
Join Date: Jul 2008
Location: Portland OR
Posts: 658
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
I always see this thread but have never posted...until now! I am doing an accountability thing with some work stuff and it's working out really well, so count me in here too!

1. Please introduce yourself and tell us why you have decided to spend nothing (or spend significantly less) for the Month of September.

I just quit my job to go back to school for a 9 month program, am working PT thru dec but after that who know. And, my partner and I are going to start TTC next spring, so I want to save as much as I can for that.

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?

Take all cards out of my wallet and go cash-only. MEAL-PLAN!

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?

Right now my annual budget is over by $1504. For the month of Sept I want to bring that down by $100 through reduced spending.

9/17 :

Hi everyone!!

Me + DP + 2 rescue lap dogs = True Love Always
milletpuff is offline  
Old 09-17-2008, 11:19 PM
 
FeelingBlessed's Avatar
 
Join Date: Dec 2007
Posts: 484
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Terrific day, honest-to-goodness no-spend, need to keep 'em coming!

Sept. 1:
Sept. 2:
Sept. 3:
Sept. 4:
Sept. 5:
Sept. 6:
Sept. 7:
Sept. 8: parking ticket ($10)
Sept. 9:
Sept. 10:
Sept. 11:
Sept. 12:
Sept. 13:
Sept. 14: $8 toys/puzzles
Sept. 15: $34 library late fees + $5 parking ticket
**** LASER FOCUS ON FINANCES RE-COMMENCING SEPT. 15TH ::
Sept. 16:
Sept. 17:

Kim :

GOALS:
* Less than $50 in frivolous spending: month to date $57
* At least 25 days (no spend or spending w/in budget): 14/25
* Pack snacks/water for outings: 17/31
* NO library fines: month to date $34
* Stay within grocery/eating out budget: $494.61/$500
* ORGANIZE/declutter (lack of organization = spending): 15/25
* Exercise (feeling good = decreased emotional spending): 12/25
* Meal plan created: 0/4 weeks
* Sell rental house by 10/31/08: SIGNED P&S ON 9/2; ALL SYSTEMS GO!!!!!!!!!
FeelingBlessed is offline  
Old 09-18-2008, 01:22 AM
 
*MamaJen*'s Avatar
 
Join Date: Apr 2007
Location: Austin, TX
Posts: 5,266
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Did good two days in a row! I can get to like this no-spend thing.

9/16 -- : $11.71 Amazon.com
9/16 --
9/17 --
9/18 --
9/19 --
9/20 --
9/21 --
9/22 --
9/23
9/24
9/25
9/26
9/27
9/28
9/29
9/30

total: $11.71

-- no spend
: -- unnecessary spend
-- budgeted spend
-- designated no-spend day

Jen, journalist, policy wonk, and formerly a proud single mama to my sweet little man Cyrus, born at home Dec. 2007 . Now married to my Incredibly Nice Guy and new mama to baby Arthur.
*MamaJen* is offline  
Old 09-18-2008, 09:27 AM
 
scrapadoozer's Avatar
 
Join Date: Jun 2004
Location: Maine
Posts: 3,744
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
09/12
09/13
09/14 $3 sewing pattern
09/15
09/16
09/17

5/19 No spend days.
$3 spent unnecessarily.

Jenny, proud maker of red things
scrapadoozer is offline  
Old 09-18-2008, 03:02 PM
 
Crunchy*VT*Mom's Avatar
 
Join Date: Apr 2007
Location: Home of the Screaming Pennies
Posts: 2,961
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
PAGE TWO!!!!

I have never found our thread on page two before.

We have about the same number of no-spenders doing this challenge as always... (Our page number usually equals the day of the month. Have you noticed that? = we're on page 19 with this thread and it is Sept 18th)

I'm guessing there are just more people posting on the Frugality Board than ever before. There do seem to be a tremendous amount of new posts.

Hmmm...I wonder if it is because of the tightening economy.

 

 

Crunchy*VT*Mom is offline  
Old 09-18-2008, 03:07 PM
 
Crunchy*VT*Mom's Avatar
 
Join Date: Apr 2007
Location: Home of the Screaming Pennies
Posts: 2,961
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
01.. $74 babysitter and latte
02.. $10.29 Wendy's
03..
04.. :
05.. $13 baked goods for playgroup
06.. $130 two shirts and two nursing tank tops
07.. :
08.. :
09..
10.. :
11.. $15 for nursing tank top :
12.. $10 fancy schmancy diaper salve
13..
14.. $40 fleece, $2 coffee, $5 map
15.. $28
16.. :
17..
18.. :

Goals:
10/20 No Spend Days
7/10 Let the Car Rest Days :



ADVICE NEEDED.

Okay, no-spenders, what would you do in this situation?

I'm in a book club and usually once a month we meet at someone's home or a restaurant to talk about the book we just read. (This month's selection was "The Good Earth" by Pearl S. Buck...love that book).

This month's restaurant pick was too expensive for my budget, so I already told the book club that I wasn't going to be there this month.

The girls decided to pick a much cheaper restaurant because they didn't want me not to be able to attend because of finances.

So now they are going to my absolute favorite Thai restaurant and it IS quite reasonable.

Should I go?

I know Larry Winget wouldn't be going...but that is why he is rich and I am broke.

 

 

Crunchy*VT*Mom is offline  
Old 09-18-2008, 03:15 PM
 
Scribe's Avatar
 
Join Date: Feb 2007
Location: Probably at the thrift store
Posts: 3,806
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by Crunchy*VT*Mom View Post
ADVICE NEEDED.

Okay, no-spenders, what would you do in this situation?

I'm in a book club and usually once a month we meet at someone's home or a restaurant to talk about the book we just read. (This month's selection was "The Good Earth" by Pearl S. Buck...love that book).

This month's restaurant pick was too expensive for my budget, so I already told the book club that I wasn't going to be there this month.

The girls decided to pick a much cheaper restaurant because they didn't want me not to be able to attend because of finances.

So now they are going to my absolute favorite Thai restaurant and it IS quite reasonable.

Should I go?

I know Larry Winget wouldn't be going...but that is why he is rich and I am broke.
Yes, you should absolutely go. Frugality is all well and good, but you've still got to live your life, and a monthly book club meeting at a reasonably priced restaurant is not a ridiculous indulgence, IMO.
Scribe is offline  
Old 09-18-2008, 03:28 PM
 
allborntogrow's Avatar
 
Join Date: Dec 2007
Posts: 626
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
1: WOULD have been a no spend day . . . until we realized the car seat we had bought didn't fit and I had to go out and spend 31.84 on another one (luckily I had some gift cards).
2: : 24
3: Baby boy born!!!
4:
5:
6:
7:
8:
9:
10:
11:
12: 43.45 on a brand new Moby Wrap (baby has lived in it since yesterday afternoon)
13: : 2.48 on a frozen yogurt - we took a family walk with the baby in the Moby
14: : 3.00 Thai Iced tea - we took the kids to a parade . . . Baby in the Moby
15: (no thai iced tea today )
16:
17:

So hubby went to the Thai grocery and bought some Cha Thai so guess what - I can make my own Thai iced teas now!!!


Truly no spend
Budgeted or necessary spending
: Unnecessary spending
: Groceries
allborntogrow is offline  
Old 09-18-2008, 03:28 PM
 
*MamaJen*'s Avatar
 
Join Date: Apr 2007
Location: Austin, TX
Posts: 5,266
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by Crunchy*VT*Mom View Post



ADVICE NEEDED.

Okay, no-spenders, what would you do in this situation?

I'm in a book club and usually once a month we meet at someone's home or a restaurant to talk about the book we just read. (This month's selection was "The Good Earth" by Pearl S. Buck...love that book).

This month's restaurant pick was too expensive for my budget, so I already told the book club that I wasn't going to be there this month.

The girls decided to pick a much cheaper restaurant because they didn't want me not to be able to attend because of finances.

So now they are going to my absolute favorite Thai restaurant and it IS quite reasonable.

Should I go?

I know Larry Winget wouldn't be going...but that is why he is rich and I am broke.
I'd go. You still have some kind of entertainment budget, right? And for lunch at a Thai restaurant, you can get away with spending, like, $6 or something. Just don't stiff the waitstaff on the tip.

Jen, journalist, policy wonk, and formerly a proud single mama to my sweet little man Cyrus, born at home Dec. 2007 . Now married to my Incredibly Nice Guy and new mama to baby Arthur.
*MamaJen* is offline  
Old 09-18-2008, 03:30 PM
 
allborntogrow's Avatar
 
Join Date: Dec 2007
Posts: 626
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by Crunchy*VT*Mom View Post
ADVICE NEEDED.

Okay, no-spenders, what would you do in this situation?

I'm in a book club and usually once a month we meet at someone's home or a restaurant to talk about the book we just read. (This month's selection was "The Good Earth" by Pearl S. Buck...love that book).

This month's restaurant pick was too expensive for my budget, so I already told the book club that I wasn't going to be there this month.

The girls decided to pick a much cheaper restaurant because they didn't want me not to be able to attend because of finances.

So now they are going to my absolute favorite Thai restaurant and it IS quite reasonable.

Should I go?

I know Larry Winget wouldn't be going...but that is why he is rich and I am broke.
Go! You sound like you have some good friends and they adjusted things for you - that sounds like company worth keeping AND it's your favorite thai place so you know you won't be let down.
allborntogrow is offline  
Old 09-18-2008, 04:00 PM
 
slsurface's Avatar
 
Join Date: May 2007
Location: under a pile of shells
Posts: 2,479
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
9/1: $14 for 5 pants, 4 shirts, and shoes for ds at thrift store
9/2: $2.50 coffee for DH and I, $9.50 for city trash bags
9/3:
9/4: $12 for eyebrow threading (I haven't had it done in over a month and I'm beginning to look like sasquatch ), $11 for yarn to finish ds' sweater, $77 in gas to fill up both cars (gas at a record low of $3.75/gal - hasn't been that low here in over 6 months), put $500 of paycheck into savings!
9/5: $65 for sandals at Endless.com, $20 dinner out with sister
9/6: $82 for groceries, $61 for school supplies (actually for ds’ Christmas) & two sheet sets, $14 clothes at thrift store, $100 for window installation, $20 for router & table DH bought from friend
9/7: DH’s parents want to go to IKEA, we budgeted $50 for trip and spent $55 (not bad)
9/8: (I’ve gotta be good the rest of this week to make up for the damage done over the weekend)
9/9: $6.50 for support hose & $10 for Dr visit
9/10: $53 for meds and vitamins
9/11:
9/12: $16.80 for stamps
9/13: $90.97 for groceries, $16.70 for winterizing supplies, $10.82 for breakfast out
9/14: , :
9/15:
9/16:
9/17: $15 for costumes at thrift store, $50 for my months worth of milk, eggs, cheese, and beef from the cow-share
9/18: $10 for copay at my DO, $9 for bread, peppers, and corn flour at farmers market

My KEY:
= No spend
= Budgeted or necessary spending
= Un-Budgeted spending
= Put money in savings
= Saved money
: = No driving or biking only

MY GOALS:
6/15 No Spend Days
2/2 Eating Out
$456/$600 Groceries, gasoline & household expenses
$25/$25 Winter clothes for ds
$175/$150 Home Improvement
$500/$500 Put in household savings
Total Un-Budgeted spending = $124.50
slsurface is offline  
Old 09-18-2008, 04:03 PM
 
Crunchy*VT*Mom's Avatar
 
Join Date: Apr 2007
Location: Home of the Screaming Pennies
Posts: 2,961
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Okay...I'm going. I just had an afternoon cup of coffee so I can stay awake for the dinner tonight.

~~~~

More advice needed...or perhaps this is just whining....

I have this weird thing where I decide I want something...doesn't matter what it is...insert item here

(new running shoes, a purple diaper, cute jacket at consignment shop... today the item happens to be Glamourmom tank top in floral print)

And I get OBSESSED with owning said item.

I'll research it, I'll put in an electronic shopping cart 100 times without ever pressing the "check-out" button, I'll THINK about it during the day.

There is no logic behind this at all.

Why has a floral print GlamourMom tank top suddenly become the focus of my existence????

To put this in context -- I have SIX Glamourmom tank tops hanging in my closet right now. Granted, not the ~floral~ one...but still... do I need another one?

Absolutely not.

Yet I obsess about it.

I have a shopping problem.

What should I do? How do you distract yourself from crazy-woman on-line shopping? Am I just bored? have I nothing better to do?

 

 

Crunchy*VT*Mom is offline  
Old 09-18-2008, 04:04 PM
 
Crunchy*VT*Mom's Avatar
 
Join Date: Apr 2007
Location: Home of the Screaming Pennies
Posts: 2,961
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Oh you know Larry Winget would not waste a minute of his time thinking about a floral Glamourmom tank top.

Which is why he is rich and I am broke.

 

 

Crunchy*VT*Mom is offline  
Old 09-18-2008, 04:07 PM
 
Scribe's Avatar
 
Join Date: Feb 2007
Location: Probably at the thrift store
Posts: 3,806
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Quote:
Originally Posted by Crunchy*VT*Mom View Post
Oh you know Larry Winget would not waste a minute of his time thinking about a floral Glamourmom tank top.

Which is why he is rich and I am broke.
He probably wouldn't look as good in it as you would either, though.

I am the same way. Once I get it in my head that I want something, I obsess. It's awful.
Scribe is offline  
Old 09-18-2008, 04:29 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:
:=grocereries
=anything else deemed necessary. gas, health and beauty products
=not necessary
=no money left my hands at all

9/1-
9/2- $42.21 on Desperate Housewives Season 4 (down from $50) and a gelato from Liquid hwy.
9/3- $50 gas and $2.58 Paperback Swap obligation. : $14 lunch for the week.
9/4-
9/5-
9/6- $15 CVS Aspirin and Razor with xtra blade, $2.65 Panera Bread
9/7-
9/8-
9/9-
9/10- $6-Zaxby's, $1.17 P.O. and $19 CVS, : $12.36
9/11-
9/12- $8 Subway, $35 gas
9/13-
9/14-
9/15-
9/16-: $59 groceries, $2.58 PBS obigation, $63 for nails,bkfst &,haircut.
9/17-
9/18-

Proud mama to : Nicholas James born 3/19/09
liangel is offline  
Old 09-18-2008, 04:49 PM
 
*MamaJen*'s Avatar
 
Join Date: Apr 2007
Location: Austin, TX
Posts: 5,266
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
So I had to had to pay the babysitter today (a budgeted and necessary expense which doesn't count for the purpose of this no-spend experiment, and incidentally through telecommuting and creative scheduling we pay for just three days of childcare a week, with an awesome AP minded nursing student, though we both have full-time jobs, and as I was saying) I had to pay the babysitter, but I forgot my checkbook at home, so I had to go to an ATM and withdraw cash, and I didn't have time to go to my bank to make the withdrawal, hence withdrawl fees, hence the end of a two-day no spend streak, so to make a long story short (too late) I have to include $2.50 in ATM withdrawal fees for 9/18.

9/16 -- : $11.71 Amazon.com
9/16 --
9/17 --
9/18 -- : Forgot checkbook to pay daycare, had to pull cash, $2.50 in ATM fees.
9/19 --
9/20 --
9/21 --
9/22 --
9/23
9/24
9/25
9/26
9/27
9/28
9/29
9/30

total: $14.21

-- no spend
: -- unnecessary spend
-- budgeted spend
-- designated no-spend day

Jen, journalist, policy wonk, and formerly a proud single mama to my sweet little man Cyrus, born at home Dec. 2007 . Now married to my Incredibly Nice Guy and new mama to baby Arthur.
*MamaJen* is offline  
Old 09-18-2008, 05:19 PM
 
mags.bubble's Avatar
 
Join Date: Apr 2007
Posts: 254
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
1. Please introduce yourself and tell us why you have decided to spend nothing (or spend significantly less) for the Month of September.

I am a 35 yrold mother of 3. I am a nurse, working 1 shift/week. I am here because I feel I have a need to get back to the basics frugality wise. My dh and I have been married for almost 15 years. There is a time that we were so broke, but we made it work, created debt, got out of debt, he got a great paying career, I finished school etc... Our income has increased dramatically, and we have enjoyed it while staying out of debt. The problem is my dh hates his job, yet feels stuck because of the income/flexibility (works at home). So, I want to start living like we don't make that much. It is my contribution to him not feeling stuck. It will just be me, not him. He isn't ready. But I want to do what I can to show him that we can happily live on much less then our current income.

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?

Track every cent that leaves my hands and not use the cc if it is avoidable. Start using the envelope system for groceries and other household items that are budgeted.

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 only have a mortgage payment and my dh's car payment. Both are low. My goal is to use cash as much as possible. Also to cut back on groceries and other incidentals. No nickel & diming myself. Cut way back on eating out.

We have savings for retirement/college but not the 6months of income stashed away. My ultimate goal is to create that so if he decides to make a change he can.

I still need to work out in my head how many no spend days etc.. For the rest of this month the focus will just be no cc and tracking the cash.

Thanks for reading. I am excited about creating some accountability for myself.

__________________
mags.bubble is offline  
Old 09-18-2008, 07:13 PM
 
ladyinred's Avatar
 
Join Date: Jan 2008
Posts: 451
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
Sorry I haven't updated in a while, but it's for a good reason, I've been working a lot! Yesterday I did break down and have an italian ice when I was waiting for the bus cuz I was waiting almost an hour and was very very tired from working. Working again tomorrow:

01/09 -
02/09 -
03/09 -
04/09 - : (half day)
05/09 - $16 on bus tickets. Necessary as I need to bus to schools for work but still broke my no-spending streak
06/09 -
07/09 -
08/09 - : Taught and tutored but also spend $12 on a cab getting from work to tutoring. Paid for tutoring for the month!:
09/09 - :
10/09 -
11/09 -
12/09 - :
13/09 - bought dinner for DF and I $38.00
14/09 -
15/09 -
16/09 - :
17/09 - $3.00 on a drink :
18/09 -

My Key
No spend - 14/30
Spend - 4/30
Taught - : 6.5/10
Tutored - 4/6
Income -

In - Out
$120 - $69

Goals:

- Spend absolutely NOTHING until I get some income
- Get a full time job : And get some part time teaching work
- Pay off some of CC - Done
- Re-apply for interest relief on student loan Done
ladyinred is offline  
Old 09-18-2008, 08:43 PM
 
honeybee80's Avatar
 
Join Date: May 2005
Location: Rocky Mountains
Posts: 827
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
9/1: $30.03 groceries; : $27.98 wasp trap, grill brush & lighter, ceiling hooks
9/2: :
9/3: :
9/4: :
9/5: :
9/6: $60.32 groceries, $9.45 baby wipes, $6.36 bday presents for DS at the $ store; : $7.49 outfit from thrift store for costume party
9/7: :
9/8: :
9/9: :
9/10: :
9/11: : $10 really cool patchwork skirt at thrift store, $20 dinner/drinks with a girlfriend, $2 parking meter
9/12: :
9/13: $110.67 groceries, : $40 sushi for friend's bachelorette party
9/14: : $55.08 + $35.09 organic cotton pants, $53.15 new bag for me
9/15: $32.50 gas (first fill up in 3 1/2 weeks!!), $16 yarn for hat for DS, bought with birthday money; : $.60 candy bar
9/16: :
9/17: :
9/18: :

No spend days 12/18
Grocery total: $201.01/$225

My key:

: no spend
budgeted spending
: unnecessary spending

Single mama to DD 10/18/03 and DS 9/15/05 

honeybee80 is offline  
Old 09-18-2008, 10:38 PM
 
monkey's mom's Avatar
 
Join Date: Jul 2003
Posts: 2,922
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
9/1 :
9/2 :
9/3 :
9/4 : Gas $40 /Groceries ~$36
9/5 :
9/6 :
9/7 :
9/8 :
9/9 : Groceries $200
9/10:
9/11:
9/12: Thrift store (fall clothes for ds1, fabrics for Xmas presents, couple toys for kids) ~$23
9/13:
9/14:
9/15:
9/16:
9/17: Groceries $287.39 /Gas $84.40/ Vet $15
9/18: Take out $25


No spend
Budget spend
Over spend

Groceries $523.39
Gas $124.40
Misc. $48
Vet $15
monkey's mom is offline  
Old 09-18-2008, 11:18 PM
 
Scribe's Avatar
 
Join Date: Feb 2007
Location: Probably at the thrift store
Posts: 3,806
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
I am back on track, and I gotta say, I'm proud of myself: only one thrift trip this month so far, and it was for a specific reason!

Sept 1:
Sept 2: $7 lunch
Sept 3: $29 shipping; $7 breakfast/coffee
Sept 4:
Sept 5: $16 shipping
Sept 6:
Sept 7:
Sept 8:
Sept 9: $11 Goodwill
Sept 10:
Sept 11: $5 coffee/banana
Sept 12: $7 coffee/turnover
Sept 13:
Sept 14: $36 on sports bras and socks
Sept 15: $6 coffee/muffin
Sept 16:
Sept 17: $29 craft supplies; $5 afternoon snack/coffee; $6 McD's dinner
Sept 18:
Scribe is offline  
Old 09-19-2008, 02:01 AM
 
*MamaJen*'s Avatar
 
Join Date: Apr 2007
Location: Austin, TX
Posts: 5,266
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
So I had to had to pay the babysitter today (a budgeted and necessary expense which doesn't count for the purpose of this no-spend experiment, and incidentally through telecommuting and creative scheduling we pay for just three days of childcare a week, with an awesome AP minded nursing student, though we both have full-time jobs, and as I was saying) I had to pay the babysitter, but I forgot my checkbook at home, so I had to go to an ATM and withdraw cash, and I didn't have time to go to my bank to make the withdrawal, hence withdrawl fees, hence the end of a two-day no spend streak, so to make a long story short (too late) I have to include $2.50 in ATM withdrawal fees for 9/18.
ETA: I cleaned out my closet over the weekend (back to my pre-pregnancy weight, yay!), and today I took the clothes in to the local hipster consignment shop. I really need clothes that fit, and I found a really great skirt and beautiful blouse. Both fit perfectly and are great pieces and I'm really happy I got them, It wound up being $4.33 more than the trade value and I paid the difference. I tried on a bunch of stuff and looked at it all with a really critical eye. If I wasn't on the no-spend spree, I would have walked away with a couple of other things that weren't perfect and probably wouldn't have been worn much. But by being careful up front, I got good things for $4.33 and avoided unnecessary crap. I feel like I operated totally within the spirit of the game.

9/16 -- : $11.71 Amazon.com
9/16 --
9/17 --
9/18 -- : Forgot checkbook to pay daycare, had to pull cash, $2.50 in ATM fees; $4.33 at the clothing exchange
9/19 --
9/20 --
9/21 --
9/22 --
9/23
9/24
9/25
9/26
9/27
9/28
9/29
9/30

total: $18.54

-- no spend
: -- unnecessary spend
-- budgeted spend
-- designated no-spend day

Jen, journalist, policy wonk, and formerly a proud single mama to my sweet little man Cyrus, born at home Dec. 2007 . Now married to my Incredibly Nice Guy and new mama to baby Arthur.
*MamaJen* is offline  
Old 09-19-2008, 02:27 AM
 
allborntogrow's Avatar
 
Join Date: Dec 2007
Posts: 626
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 0 Post(s)
1: WOULD have been a no spend day . . . until we realized the car seat we had bought didn't fit and I had to go out and spend 31.84 on another one (luckily I had some gift cards).
2: : 24
3: Baby boy born!!!
4:
5:
6:
7:
8:
9:
10:
11:
12: 43.45 on a brand new Moby Wrap (baby has lived in it since yesterday afternoon)
13: : 2.48 on a frozen yogurt - we took a family walk with the baby in the Moby
14: : 3.00 Thai Iced tea - we took the kids to a parade . . . Baby in the Moby
15: (no thai iced tea today )
16:
17:
18: : 4.28 on candy - yes candy. I'm addicted to Darrell Lea licorice.

So hubby went to the Thai grocery and bought some Cha Thai so guess what - I can make my own Thai iced teas now!!!


Truly no spend
Budgeted or necessary spending
: Unnecessary spending
: Groceries
allborntogrow is offline  
 
User Tag List

Thread Tools


Forum Jump: 

Posting Rules  
You may not post new threads
You may not 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