~September No Spend Challenge~ Finishing Strong! - Page 3 - Mothering Forums

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#61 of 540 Old 09-03-2008, 11:01 AM
 
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#62 of 540 Old 09-03-2008, 11:02 AM
 
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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: ,

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

MY GOALS:
1/15 No Spend Days
0/2 Eating Out
$9.50/$600 Groceries & gasoline
$14/$25 Winter clothes for ds
$0/$150 Home Improvement
0/5 Bike to work days
$0/$500 Put in household savings
Total Un-Budgeted spending = $2.50
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#63 of 540 Old 09-03-2008, 11:18 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 September.

Hi, I'm Katherine and I'm a SAHM to Meredith, Audrey, Nora, & Sebastian. I'm joining this challenge b/c my spending has been undermining my family's goal of getting out from under debt. We accumulated some credit card debt while my Dh was looking for a job after law school. Even though we aren't accumulating any more debt, my/our spending has us treading water. I tend to spend on the kids and on gifts for people. I also tend to be a bit obsessive about trying new things, so I buy a lot of stuff all at once. Thankfully, I don't tend to drop hobbies, so it gets used, but still.

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?

Firstly, I'm trying to make this my new focus and obsession! : Besides that, I'm focusing on only buying things to which we were already committed at the beginning of this month. Audrey's birthday is this month, so I'm going to be trying really, really hard to throw her a good party by making all of the food from scratch, crafting the games, and trying to craft all of her gifts from supplies that I already have on hand. I think that is really do-able and will really reduce our spending this month. Total budget for the party = $50. My other commitments this month are a wedding gift for my sister for which I have budgeted between $100 and $150, shipping fees on coops that I've already joined, and a gift for a DDC baby shower swap. My other big splurge tends to be on groceries, so I'm trying to complete a healthy meal plan that gives me a firm ingredient list that I'm going to stick to when shopping! Hopefully, that will also help with my other goal this month, which is gradual post-babe weight loss.

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?

I'm aiming for:

- 18/30 no spend days
- 28/30 eating at home days
- checking freecycle/craigslist first before spending
- 5/30 no drive days
- 15/30 no drive besides to/from school (and strictly along the way stops)
- no new library fines (I have to even up w/ the library now)
- NO online shopping!!

I'm excited b/c I've already saved money b/c of this group! Was going to buy new cheesecloth to strain my yogurt and decided to wait for the muslin that I have on order. Will skip yogurt creamcheese this week and eat all the yogurt fresh instead. Would've been a cheap item, but the total trip probably would've ended up at least $10 w/ impulse buys!

Here goes:

9/1 - Spent $71.75 on cheesemaking supplies (not really necessary for survival, but replaces high cost store-bought dairy, so counting as extra expense). Stayed home all day and ate at home.

9/2 - Extra groceries $10 (OJ & cottage cheese b/c I was sick). Did eat all meals at home. Limited driving (grocery on way home from school.)

9/3 - NO SPEND, ate at home, and limited driving, too!

9/4 - : Budgeted spending on groceries. Had a meal plan, checked the ads for best prices, hit the Farmer's Market for fresh, unsprayed fruits and veggies! Didn't buy anything off the list and stayed waaay w/n my budget for the week!! All meals/snacks from home, too! Searched gasprices.com for cheapest gas along my route and saved almost $.20/gal.

9/5 - No spend, no eating out, no drive!


GOALS:
2/18 No Spend
5/28 Eating at home
2/5 No drive days
2/15 no drive besides to/from school (and strictly along the way stops)
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#64 of 540 Old 09-03-2008, 11:19 AM
 
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9/1: $55 (approx) on groceries; $35 (approx) on medical supplies (we're all sick)
9/2: $18.90 groceries (for sick people); $15 milk for the week
9/3: $37.85 pharmacy
9/4: $45 (approx) groceries
TTD: $206.75

Man, I can't believe how much I'm already spending. Having a house full of sick people is tough on the budget!

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#65 of 540 Old 09-03-2008, 11:40 AM
 
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Sept 1:
Sept 2: $7 lunch
Sept 3: $29 shipping; $7 breakfast/coffee

So another September goal: no more swapping. I can't afford it this month. Shipping is too high.
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#66 of 540 Old 09-03-2008, 01:12 PM
 
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Sep 1 - :
Sep 2 - : $16 Lunch

No Spend = 1/15

Goals
- 15/30 no spend days
- $500 on groceries
- NO frivolous spending


Legend
: = No Spend
: = Groceries
:= necessary spending
:= unnecessary spending
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#67 of 540 Old 09-03-2008, 01:30 PM
 
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1st
2nd
3rd : : : : : $164 for DH's speeding ticket : : : : : And he wasn't even running late yesterday : Someone hold me back when he gets home tonight :

Okay not really, but I can at least mentally smack him upside the head

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#68 of 540 Old 09-03-2008, 03:18 PM
 
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Oops! Put the wrong month! Thanks for pointing that out! I fast forwarded to November! Ack!

I'm feeling a bit more sane now. I have three and a half teaching days lined up for this month already (only had half a teaching day last September) and I applied to be part time at a call center as well. So although this month will still be tight and I still can't spend anything, next month I know we'll be okay.

09/01 -
09/02 -
09/03 -

My Key
No spend -
Spend -
Work -
Income -

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
- Re-apply for interest relief on student loan
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#69 of 540 Old 09-03-2008, 03:19 PM
 
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01.. $74 babysitter and latte
02.. $10.29 Wendy's
03..
04..
05..

Goals:
1/20 No Spend Days
0/10 Let the Car Rest Days :

Wahoo! I'm back in the game.

I did have to spend money today, but it was on things I can't get around like having the car inspected. There was no frivolous spending. And I took back the library books so there won't be any fines.

Tomorrow I'm hoping to have my first no-drive day in a loooong time. Weeks and weeks. My goal is to stay right here at home and not spend our money.

We have 12 days to go until my DH starts getting paid again (he's a teacher who doesn't get paid in the summer). I'm counting down the days!

 

 

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#70 of 540 Old 09-03-2008, 05:33 PM
 
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Sept 1- :B & N- Dave Ramsey Book, School Books, Magazines $62.00
Target- Food, Dry Erase Board, Washcloths, scrapbook album $70.00
:Kangaroo- Beer for DH
Sept 2
(we had to buy hurricane/emergency supplies we had nothing) Target- food, toy, hurricane supplies, forks $60
Publix- hurricane supplies, food, lunch $60
Kohl's- 2 Gymnastics Suits $30
:Hanna Andersson Dress on eBay $5.00

Pretty good today- really didn't want to spend anything, but I NEEDED my eyebrow's waxed

Sept 3- $21 Chick Fil A (Weekly Lunch)
$25 Board Game, Shoe Laces, Bubbles
$13 Eyebrow Wax

Vicki- Homeschooling Mama to 4 girls
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#71 of 540 Old 09-03-2008, 05:57 PM
 
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9.1: $20 groceries, $60 gas
9.2: $54 groceries + plus paid many of our Sept bills online, $11 @ Dollar Store on coloring books/paper for girls... unnecessary since they have some already!
9.3:
__________________________________________________ _______
=NO SPEND DAY
=BUDGETED SPEND
=UNNECESSARY SPEND

I'm going to aim for:
1 /18 no spend days.
$74.00/400.00 on food.
Goal: 2/16 days to the gym=32 hours of exercise! Hopefully drop 10 pounds!
$400.00 to savings. 9.2.08 tx'd 700.00 to savings! Now to not have to use it!
$2500.00+ to debt reduction (not inc. mortgage).
/1 Eating Out
Total Unnecessary spending = $11
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#72 of 540 Old 09-03-2008, 09:03 PM
 
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9/1: $30.03 groceries; : $27.98 wasp trap, grill brush & lighter, ceiling hooks
9/2: :
9/3: :

No spend days 2/18
Grocery total: $30.03/$225

My key:

: no spend
budgeted spending
: unnecessary spending

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

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#73 of 540 Old 09-03-2008, 09:09 PM
 
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01 - $12.71 at Arby's for dinner while on the road, $44.08 for gas
02 - : $26.31 in groceries
03 - :
04 - :


Legend
: = groceries
= no spend
: = no drive
= budgeted spending
= unnecessary spending

Goals
- 15/30 no spend days
- $300 on groceries
- 1 no drive day per week
- 15/30 no eat-out days

DD#1 dust.gif (May '08); new sweet baby girl (May '11) vbac.gif
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#74 of 540 Old 09-03-2008, 09:29 PM
 
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Sep 1 - :
Sep 2 - : $16 Lunch
Sep 3 - : $15 for tax & duty on a package

No Spend = 1/15

Goals
- 15/30 no spend days
- $500 on groceries
- NO frivolous spending


Legend
: = No Spend
: = Groceries
:= necessary spending
:= unnecessary spending
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#75 of 540 Old 09-03-2008, 10:41 PM
 
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I had a busy day! Paid off a little of my CC, re-applied for interest relief, passed out resumes to some local schools and got booked for 5.5 substituting days so far in September! Yay!:

09/01 -
09/02 -
09/03 -

My Key
No spend -
Spend -
Work -
Income -

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
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#76 of 540 Old 09-03-2008, 11:47 PM
 
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Ok, the Mcdonalds thread in TOS forced me to eat at McDonalds for lunch. I had a Sweet Tea, Vanilla Milkshake and an Apple Pie

9/1 -
9/2 - $12.90 - Kleenex, 2 donuts and a birthday card
$66.25 - gas
9/3 - $5.26 - McDonalds
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#77 of 540 Old 09-03-2008, 11:51 PM
 
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Today was a good day. I only spent on gas and budgeted for dinner out (I build a couple dinners out into our monthly expenses so I don't go crazy).

I also found out that the paycheck I thought would be nothing (b/c I only worked 1 week in that pay period and I'm doing a childcare reimbursment that is pretty steep) is actually coming in at $300. Yay! I'm so excited. That childcare reimbursement is saving me a ton in taxes this year.

1. No spend, No drive
2. $1140 Rent (1/2 was mine), $311 daycare (both budgeted for)
3. $13 Boston Mkt (cash), $70 gas (both budgeted)

Money Made:
2. $52 on ebay


Acceptable Spending:
1. Oil Change
2. Dishwasher Soap
3. Keyboard to fix laptop so I can sell it.
4. Two more glass containers for kids' lunches ~$10
5. Shipping for ebay pkgs

*~* A * Mama to C and A * *~* I blog - PM me for the URL
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#78 of 540 Old 09-03-2008, 11:58 PM
 
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Hoisting myself back on the wagon! I haven't been doing badly at all, I just haven't been keeping track. And that just won't do.

9/1 :
9/2 :
9/3 :

Tomorrow I will need to get gas (I think...I haven't driven in a while ) and a couple things at the grocery.

No spend
Budget spend
Over spend
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#79 of 540 Old 09-04-2008, 01:01 AM
 
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1 -
2 -
3 -

plans are:
*look into moving somewhere cheaper
*eat out of freezer (since we couldn't move it anyway)
*try to only have tv on if someone is actually watching it
*place extra furmiture/household for sale or freecycle
*leave dryer and washer unplugged when not in use
*continue to hang/rack dry most laundry
*try to use a/c & heat : less (hopefully not at all this month)

(no spend) 20/30
(budgeted, unnecessary) 8/30
(budgeted, necessary) 4/30


progress

1/20
2/4
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#80 of 540 Old 09-04-2008, 01:32 AM
 
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1st
2nd
3rd : $164 speeding ticket
$141.75 budgeted household/clothing/grocery items


Key:
No spend:
Spend :
Budgeted Spending

ribbonpurple.gif  "And the day came when the risk to remain tight in a bud was more than the risk it took to blossom." Anais Nin
   
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#81 of 540 Old 09-04-2008, 02:07 AM
 
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Okay, I can see that my number one issue will be organization. With four kids going four way, plus two adults who try to have lives once in a while - I have got to stay organized. My biggest issue is meal planning, and I have got to get my husband involved with it. So far this month though, I haven't spent money on anything that wasn't budgeted, so for me!
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#82 of 540 Old 09-04-2008, 02:57 AM
 
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My first few days of Sept. have been good for no spending, but I really need (yes, need ) Some new scrubs for work. I really need maybe 2 pairs of pants and 1 shirt. I only have 2 pants total, and with washing them constantly to be reworn, they are fading and not at their best And I need to get ahold of 2 books that my library doesn't have. So my no spend days maybe short lived

9/1
9/2
9/3

Sept No Spend Goals:
No spend days: 3/25
Non-necessary spending <300

"If we are to heal the planet, we must begin by healing birthing."
~Agnes Sallet Von Tannenberg
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#83 of 540 Old 09-04-2008, 02:58 AM
 
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Quote:
Originally Posted by ColoradoMama View Post
Okay, I can see that my number one issue will be organization. With four kids going four way, plus two adults who try to have lives once in a while - I have got to stay organized. My biggest issue is meal planning, and I have got to get my husband involved with it. So far this month though, I haven't spent money on anything that wasn't budgeted, so for me!
This is a biggie for us too!

"If we are to heal the planet, we must begin by healing birthing."
~Agnes Sallet Von Tannenberg
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#84 of 540 Old 09-04-2008, 05:37 AM
 
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Honest to goodness no spend today, but also decided to purchase a Savvy Rest mattress - possibly tomorrow - not technically in budget but I want the family to sleep "greener" and more comfortably...guess I really need to get cracking bringing in new clients now!

Sept. 1:
Sept. 2:
Sept. 3:

Kim :

GOALS:
* Less than $50 in frivolous spending: month to date $0
* At least 25 days (no spend or spending w/in budget): 3/25
* Pack snacks/water for outings: 3/31
* NO library fines: month to date $0
* Stay within grocery/eating out budget: $220/$500
* ORGANIZE/declutter (lack of organization = spending): 3/25
* Exercise (feeling good = decreased emotional spending): 3/25
* Meal plan created: 0/4 weeks
* Sell rental house by 10/31/08: SIGNED P&S ON 9/2!!!!!!!!!!![/QUOTE]
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#85 of 540 Old 09-04-2008, 05:41 AM
 
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Quote:
Originally Posted by lactivistmama View Post
My first few days of Sept. have been good for no spending, but I really need (yes, need ) Some new scrubs for work.
Unsure if there is one near you, but our area Big Lots (www.biglots.com) has scrubs on sale in this week's flyer; believe for $7 per piece.

Kim
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#86 of 540 Old 09-04-2008, 09:07 AM
 
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1)
2)
3) : $91.58


Key:
= no spend
: = groceries
= unnecessary spending

Amanda + Steven SAHM to James (Feb 19, 2008) and Alexander (Jan 7, 2011). Lost little ones always in my heart (07/11/2009) (04/2010)
 
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#87 of 540 Old 09-04-2008, 09:28 AM
 
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9/1: :
9/2: groceries : $6 take-out breakfast at a meeting (unhealthy, I might add--double
9/3: : $3 more take-out (healthy at least!)
9/4:



________

My key:
No spend
unavoidable or budgeted spending
: unnecessary spending
: no driving

Progress:
1/16 no spend days
1/26 no unnecessary spend days
1/5 no driving days[/QUOTE]
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#88 of 540 Old 09-04-2008, 11:16 AM
 
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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 ),

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

MY GOALS:
1/15 No Spend Days
0/2 Eating Out
$21.50/$600 Groceries & gasoline
$14/$25 Winter clothes for ds
$0/$150 Home Improvement
0/5 Bike to work days
$0/$500 Put in household savings
Total Un-Budgeted spending = $2.50
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#89 of 540 Old 09-04-2008, 11:57 AM - Thread Starter
 
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We are on a 45 day journey of being extremely frugal. We have decided to only spend on things we have already committed to. We have a few over 15 days left in the challenge. (http://www.45dayfinancialfast.blogspot.com/)

Sept 1 - Labor Day - We stayed in and did things around the house, it was really relaxing.

Sept 2 - Back to work, gave my notice that I was quitting :

Sept 3 - : $5.25 on "extra" food for my lunch



*****

Total No Spend 2/25
: Total Overspend $5.25

Rachael ~ Wife to : DH ~ Son 4-24-07 ~ 6-24-08 ~ Daughter 7-22-09
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#90 of 540 Old 09-04-2008, 12:01 PM - Thread Starter
 
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Quote:
Originally Posted by ColoradoMama View Post
Okay, I can see that my number one issue will be organization. With four kids going four way, plus two adults who try to have lives once in a while - I have got to stay organized.
This is us exactly. The more organized the less we seem to spend...

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