No Buy January

I got a haircut today and paid $30 (with tip) but didn't buy the product she used! So I saved $20!

On the way home, stopped at Wally World for detergent. Picked up a newspaper in order to get the coupons out of it (I'm terrible at using coupons, so let's see if I use them...) and got a soda (I could've done without that soda...darn.) $12. But, I DIDN'T buy some capri pants on clearance and some workout pants for $14 that looked comfy. Oh, and a magazine, didn't buy that, either. Or nailpolish....wow, it's amazing all the little things that I'd normally just throw in the cart... :scared1:

So, $42 for today, all but $1 of it toward necessities. Not bad. DH and I found a movie theater in the area that does $3 movies (and the movies are first run!), so we'll do that tomorrow for a bit of entertainment. :goodvibes

I thought we were the only ones that called it Wally World!! :rotfl:
 
What a good day I had today. Had my DH, DS 9 and DD 7 with me today. Had to run to the mall to pick up a piece of jewelry that I was having repaired. (free, warranty) This is my budget busting danger zone. Everyone together, near a mall, hungry. It doesn't seem to matter if I have just fed my family a Thanksgiving Dinner, get them near a restaurant and they are suddenly all famished. So I planned for this. I knew I had a gift card to a restaurant close by. Planned to go for lunch not dinner (cheaper), bribed everyone to drink water (or we don't go). Ordered very carefully to stick to the Gift Card. Ordered just enough so that we'll have lunch tomorrow and it cost me out of pocket $3.00. (overage)

Than instead of recreational shopping (it's a dreary cold rainy day here) We stopped at the Library, borrowed books and a movie. I did decide to invest $3.00 in a key to drop off our books. They lock up the book return unless you have a card and buy a key (vandalism). I have paid so much in late fees in the past because the Library is never open when I try to drop off. This will be a savings.

today: $6.00 That's the best Saturday I've had in ages :banana:

Thanks everyone, you are inspiring me!
 
How did you get that kind of a deal?

It's all about following the CVS threads, printing online coupons, clipping coupons from the Sunday paper, checking out other message boards... it's hard work but worth it to me! There are some helpful folks here on the budget board that can get you started! :thumbsup2

LOL ... I've never seen snow ... so I am not laughing at you ... I don't know what I would do if I had to walk on ice ... but I can completely picture this in my head.

How did you manage to carry six 12 packs, anyways ... I struggle with two. Great deal though!

My shoulders STILL hurt from carrying them! But I don't think dragging my pink suitcase full of groceries halfway across the neighborhood helped either! ;) (The security guard at the Aldi had that "now I've seen it all" look when she saw me loading my purchases into the luggage! :lmao: )

I have got to figure out this CVS thing! And the bus story had me :rotfl:

Happy to make you smile! :goodvibes

I had a huge grocery shopping day this morning so I'll post my totals later. I did go over budget, but, I remembered I had $20 gift money from Christmas. Into the grocery envelope it went!

I'm going out tonight for a friend's going away party, but I shouldn't spend too much. I think I'll call it an early night - oh, wait, we're not even going out until 10PM! :headache:

I've been spending the day cooking - enchiladas, burritos, sloppy joes, quesadillas, rice & beans - and freezing for quick meals all month long! I hate cooking so I'd rather spend an entire day cooking than an hour each day. Here's to hoping it all tastes good! :banana:
 
Had to spend a small amount that I forgot about today, but still did good. My dd plays basketball in a small community league, and I forgot about their games starting. So,

1/5 $6 for me and dh to get into the ballgame
$2.50 for coke and nachos for dd after the game
: 8.50 total for the day.

Sooo, much better than usual! We have gone to these games and easily spent $20 on drinks, chips, hot dogs, etc. This time I made sure we all ate lunch before heading out to the games and had supper partly ready so that we wouldn't be tempted to eat a meal from the concession stand.
 

5th - $6 for lunch - Mum helped me clean the house and do a few errands so we bought lunch out
6th - $0 though I did spend $9.50 on fresh veges (carrots, spinach & tomatoes) and free range eggs at the market but that came out of the household budget so doesn't count

What did I do to save money?

- When I cooked dinner last night, I did enough for 5 meals to freeze to take as lunches to work (worked out ~ $2 per meal vs $6-$8 if we grab lunch out when at work)
- Went straight to the stalls I wanted at the market and didn't browse - removing the temptation to buy...
- Ate leftovers from the freezer for lunch - this also left a space for freezing a couple of the lunches I made last night

Total this month personal spending - $21.50/$400 - and we are nearly a quarter through the month.

Robert gets home tomorrow so I'm hoping in the next couple of days I can get him to sit down and talk household finances. I'm hoping he will commit to the $100/week personal allowance and the rest to go to household expenses to start getting some money saved towards the renovations and buying some land which will mean getting into a mortgage situation again. I guess it will depend on how much he will owe on his visa when he gets home.
 
I made 2 unexpected purchases today. I can tell I'm really thinking about them first because when I was considering them I was reminding myself that I would have to come post them. My beloved 3yo ds broke TWO more of my bowls in one day and 5 bowls for a family of 7 just does not cut it so I ordered 5 replacements and I am planning on buying some cheap plastic bowls the next time I'm out. The other purchase was a bike for my 10yo ds. His brand new one was stolen last summer. I've been looking for a replacement for awhile, but the one he wanted was $129. Today I found a Mongoose on Amazon that he liked for $65, free shipping, so after giving it alot of thought I bought it. It wasn't planned, but it didn't come out of savings or go on a credit card.

1/5 $31 bowls
$65 bike
$8.95 mailed care package, budgeted for

How did I save money:

I didn't buy french fries or snacks at bowling this morning :cool1: .
I sold a train table on craigslist for $30.
I have a few things to list on ebay this evening.
I stopped at the post office on my way to bowling combining trips and saving gas.
 
I think today may have been my first no spend Saturday ever. I managed to keep myself out of the stores.:cool1: :cool1:
 
So today ended up being a $0 as I predicted! yay! Tomorrow should be too!

I have a question for all of you though, I give myself a weekly "spending" budget for food/gas/toiletries/junk lol and I know some of the others of you give yourself this "allowance"

At the end of the week if you don't spend it, what do you do with it? Savings, Vacation fund, apply it to a bill? Where do you put it? I'm trying to figure it out, usually its a couple dollars left over so I put it in my change jar for vacations. This week I have spent $0 (my week ends Tuesday) and my tank is full as is my fridge. So I am now faced with something I wasn't before, and I hope to be faced with this a lot more often now.

So where would you put it?
 
So today ended up being a $0 as I predicted! yay! Tomorrow should be too!

I have a question for all of you though, I give myself a weekly "spending" budget for food/gas/toiletries/junk lol and I know some of the others of you give yourself this "allowance"

At the end of the week if you don't spend it, what do you do with it? Savings, Vacation fund, apply it to a bill? Where do you put it? I'm trying to figure it out, usually its a couple dollars left over so I put it in my change jar for vacations. This week I have spent $0 (my week ends Tuesday) and my tank is full as is my fridge. So I am now faced with something I wasn't before, and I hope to be faced with this a lot more often now.

So where would you put it?

I'm going to put it towards my next holiday which is in March to Hawaii. It will be spending money or shore excursions from the ship. They are the only things outstanding that haven't been already paid for that holiday.

I can be pretty frugal on holiday too - meals come from food courts and the stores for our shopping sprees tend to be Walmart & Target (which we don't have here), we will also go to Goodwill and any other thrift stores we find. I'd rather travel and experience than buy junk. I usually buy clothes though but I don't have expensive taste in clothing and prefer second hand to new so I know its preshrunk and worn in.
 
We just blew the no buy January or will if what I think is wrong with our washer. I have scheduled a home repair for Monday AM but it looks like a major repair for our Kenmore washer. it has a balance problem during the final spin process. which sounds like a big repair since I checked the leveling on the washer and it is in level I used 3 level so it is level. Which was the 1st thing they said to check if the washer is excessively vibrating on the final spin and it smells like burnt rubber wit all that and it is a direct drive washer. Oh well
 
So today ended up being a $0 as I predicted! yay! Tomorrow should be too!

I have a question for all of you though, I give myself a weekly "spending" budget for food/gas/toiletries/junk lol and I know some of the others of you give yourself this "allowance"

At the end of the week if you don't spend it, what do you do with it? Savings, Vacation fund, apply it to a bill? Where do you put it? I'm trying to figure it out, usually its a couple dollars left over so I put it in my change jar for vacations. This week I have spent $0 (my week ends Tuesday) and my tank is full as is my fridge. So I am now faced with something I wasn't before, and I hope to be faced with this a lot more often now.

So where would you put it?

I think I am going to start my "allowance" again this month ... b/c it worked well before. However, this year I am sending all "extra" money to my debt, so if I had $20 "extra", I would happily write a check to my car loan. I can't wait to be out of that thing.
 
:headache:

So, my coworkers completely guilted me in for drinks. I picked up my friends tab, since she bought last time ... $30.

Oh well, it was fun, and I love hanging out with them. I just don't like spending money. I told her I won't be going out again soon, so to please not make me feel bad about it. She's trying to convince me to move into the same apartment complex as her, and I told her she could drink to her heart's desire at my place for that price.

1/1 - $0
1/2 - $37 (birthday!)
1/3 - $66
1/4 - $0!
1/5 - $30 ( completely unplanned)

The worst part is, I didn't even hit up the store after work ... so now I have to today on a Sunday, when everyone and their mom is at Walmart. Ooops.
 
After a nearly perfect Nov. (total fun spend: 1.62) and a VERY moderate Dec, Jan is shaping up as a budget disaster.

1/2 DD was in a car accident in Michigan where, even though the other driver was responsible, since it is a "no fault" each car pays for their own repair. That's a $500 deductible for us.

1/4 My cousin had heart surgery which meant a 350 mile surprise drive plus three days of buying meals at the hospital and local restaurants.

1/7 We (me, DH, and DD) are flying to Naples, Florida to visit DS. He works at a resort and time off at Christmas is out of the question so we'll be spending time together next week. Flights are paid for but hotel bill with 2 rooms/night is a chunk, parking at the airport is nearly 20 bucks per night, rental car and food will be high.
Our adult children enjoy eating at restaurants. Even with the family rule being "you may choose an entree plus either a drink, an appetizer or dessert" four people eating for 5 days will be a big bill.

Is there an expression for "I'm so far off the wagon, I can't see it from here?"

Guess it is a good thing that Nov and Dec were high discipline months.
 
If you have CC debt, I'd put it there.

If your CC debt is a 0% promo I would put the money someplace where it could earn interest.

I am personally rebuilding my easy to get to emergency fund. I have another one but with stocks being low right now I'd loose money getting anything out. I don't want 3 months income in there, maybe just $500-$1000.

I like the idea of saving up for a vacation. I normally cruise and you have to prepay the bulk of your expenses in advance, so that is like a savings account. I don't so much put money in a separate account anymore, but track my spending and don't go over a certain amount every year :)

So today ended up being a $0 as I predicted! yay! Tomorrow should be too!

I have a question for all of you though, I give myself a weekly "spending" budget for food/gas/toiletries/junk lol and I know some of the others of you give yourself this "allowance"

At the end of the week if you don't spend it, what do you do with it? Savings, Vacation fund, apply it to a bill? Where do you put it? I'm trying to figure it out, usually its a couple dollars left over so I put it in my change jar for vacations. This week I have spent $0 (my week ends Tuesday) and my tank is full as is my fridge. So I am now faced with something I wasn't before, and I hope to be faced with this a lot more often now.

So where would you put it?
 
That's what is GREAT about this thread. Each month you make your budget and include "your" necessities. For you, buying your plane tickets is a necessity this month as you are trying to budget your trip. While some die hard "no-buyers" will disagree with that statement, I think the majority of us will agree with me. ;)

ITA! While personally, I look at some of the posts and think, "how's that going to save money?" since I'm so far from an expert I figure, whatever works for them is what's important, not what I think would work better.

Anybody else have retirement/savings funds in the stock market that are going right down the toilet? All I hear is a giant flushing sound on wall street rignt now:confused: :scared:

Jan.1 $0
Jan.2 $0
Jan.3 $147 (fix car +subway)
Jan.4 $18 (movies-Enchanted-first movie in over a year with kids, used coupon, still not budgeted for :rolleyes1 )
Jan.5 $0
Jan.6 should be $0 It's 11:45 am and I'm still in my pajamas...

Talked DD9 into an ice skating party for $125 for 8 kids vs a 300 rock climbing party with the promise that I would take her rock climbing in Feb by herself ($25). Phew!
 
Anybody else have retirement/savings funds in the stock market that are going right down the toilet? All I hear is a giant flushing sound on wall street rignt now:confused: :scared:

:scared: YES!

While I'm on leave I am going to do tiny trades to get out of my stock. I have enough to buy 500 shares going in on Monday. I'll sell those at a 20 cent profit and use that profit to sell the ones I have so those old shares break even (each one is down about $2.50 or 30%). I did a calculation sheet on Excel and it is going to take 80 trades to work it all out and get the 15K I've lost back. That is assuming I don't get stuck somewhere along the way again!

Then it's going into a lovely safe CD while I take a breather from the stock market!
 
Yes, realistically we all have "exceptions" each month. I think it is better to be realistic about it...don't you? Kind of like dieting, the more you starve yourself the more weight you will gain when you finally gorge! :lmao:

I do have to give you a big kuddos...I'm impressed with the sitting in the parking lot of the Chinese food place...that would NOT have worked with me. The smell would draw me in alone..you are my hero! :worship:
It was hard and I'm still scratching my head with how we managed to pull away. :rotfl: :rotfl: :rotfl:

I got a haircut today and paid $30 (with tip) but didn't buy the product she used! So I saved $20! . . . snipped. . .
Woo-Hoo!! :cool1: That's what usually gets me too! The darn product. When I lived in DE, I went to a girl who owned her own salon attached to her home. It was very nice and very reasonable and she did a great job! Then, I moved down here and not only have I not been able to find a decent stylist (I've been to 4 different ones in the past year) but they are all HIGH :scared1: priced!! I had been going to one girl for a little while and each time I went, the price steadily went up. The first time it was like $30. The next time it was $32. Then the thrid time I went it was $39 then the LAST time I went she charged me $55!! :scared1: AND she didn't do anything different any of the times I went!! I hadn't been thrilled with her work and when she pulled that I was done. I have a guy friend who goes to her (she raised her prices on him too) and he said something to her and she said that I shouldn't have been charged that much, it was a mistake. :rolleyes: But I was tired of never knowing how much it was going to be today and that was just the straw that broke the camel's back.
Then, another girlfriend had been nagging me to give "her" girl a try. She raved how I would LOVE her and how she wasn't expensive at all. Shouldn't be anymore than say $40. So, I go to see her (w/ DFriend in tow) and she does do a good job. The bill was $85!!!!!!! And then she wanted me to buy product. Ummm, NO. When we got outside Dfriend couldn't believe it was that much and then she informs me she doesn't pay cause they barter services
doh.gif
(Dfriend is a massage therapist).

:headache:

So, my coworkers completely guilted me in for drinks. I picked up my friends tab, since she bought last time ... $30.

...snipped....
Doncha' hate that? I mean, I don't know about you, but I always just want to pay for myself that way I don't feel like I owe anyone anything. But, DH has this friend who's always like, "Nah, dude, I'll get it this time. You can get it next time." Then when we're not really prepared to go out or whatever, or we decide we're doing a NO BUY then's when he's calling in his "next time". I mean, it's not like he calls and says, "You owe me." But I KNOW we do. So, of course, we always end up going. Because, I mean, I feel like, how can I say "I know I owe you but I had the money that day to pay for MINE when you so graciously offered. Today, I don't."??? :confused3

Today, I spent $3.19 on breakfast. It didn't come from my January money as it was left over from a Christmas gift but it really aggravated me that I had to even spend it. :headache: Yesterday, we didn't make it to the grocery store and therefore had nothing in the house for breakfast so I made DH stop on the way to church. After I spent it I started thinking $3.19 is almost enough to buy 18 eggs and a loaf of bread. For a little more than $3.19 I could have had breakfast for the week. That's how I've started thinking. I mean, I'm not try deprive us of ever going out but for a long time we were eating out EVERY night, buying lunch (sometimes) and stopping for breakfast quite often. In December, when we had to stop for our house purchase, I was shocked to have the realization of just how much we were spending. :scared1:

Thanks for letting me share. Sorry it's so long.
 















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