No Buy November 2009

[DawnM]

Well, don't be too impressed. I have a $300 latte machine here at home that I use to make my own. I bought it pre-Dave Ramsey (4 years ago) but I am SO glad I have it! I use it daily.

oh, and just so you know, if you buy a pound of beans or grounds at Starbucks they give you a FREE tall drip coffee.

Dawn

Way to go, Dawn! You are redeploying your resources.

I was especially impressed that you used the Starbucks card for beans for the month instead of one deliciious latte.

 

[CherylA]

Nov. 11: finally 1 $0.00 day for me YAY

Good job! They sure are hard to get. I hoping for one today!

 

[CherylA]

Did some grocery shopping yesterday and got gas. Usually Thursdays are a big spending day for me but I decided not to take the morning off of work like I usually do on Thurs mornings. Instead I'm earning more and I can't go shopping! Win Win!

Clothing
$100
-42.13 payless shoes
=57.87
+ 21.99 return to JCpenny
=79.86

Gifts
$60
-21.60 under bed storage for MIL
=38.40
-3.38 bday card
=35.02

Unexpected Spending (misc)
$250
- 84.88 PO box bill plus interest and late fees (DH has autobill going to a card we don't ever use anymore so I never check to see if it has a balance. Grrrr!)
=165.1
-3.17 harvest door hanger=
161.93
- 25.00 money order (Fri 11/6)
-2.00 newspaper (Sun 11/8)
= 134.93
-8.89 fedex shipping (11/5)
=126.04


Groceries
$530
-19.81 Trader Joes
-65.43 Stop and Shop
=444.7
-12.76 Walgreens (11/4)
=432.00
- 16.47 m&m farms (11/5) -7.48 cash stop and shop (11/5) - 1.99 trader joes (11/5)
=406.06
- 4.25 Convenience Store half and half and soda (cash 11/8)
=401.81
-19.50DH groceries for work
=382.31
- 33.54 stop and shop 11/11
-12.40 Walgreen 11/11
= 336.37


Entertainment ( I include eating out in this category)
$350
-11.11 McDonalds
-9.89 (cash) McDonalds
=329
-14.00 bowling and donuts and coffee
=315
-13.71 starbucks (11/5)
= 301.29
-40.00 drinks and apps Fri night (cash)
-1.70 salad bar salad (Fri)
-31.80 TGIFridays w/ family (11/7)
-5.82 D&D (11/8)
=221.97
-12.50 lunch w hubby (11/9)
= 209.47

Gas
$290
-26.57 (DH gas S&S 11/4)
-34.29 (me gas Costco 11/5)
=229.14
-28 hubby gas (11/9)
= 201.14
-36.21 (me gas s&s 11/11)
=164.93

Haircuts
64.00
-21.00 hubby (11/7)
=43.00

Home Items (Repair/Upkeep/Decorating)
$100
-31.76 new shower head and leaf bags (Sun 11/8)
=68.24

Christmas

Immediate Family $600
-31.45 Target 11/5
=568.55

Other gifts $420
- 75 snapfish calendars
=345.00
-10.74 holiday gift craft supplies (JoAnns 11/5)
=334.26
-3.05 tiles holiday craft (home depot 11/8)
=331.21
-5.00 Walgreens (fudge set DMIL 11/11)
=326.21

Xtra food and events (dinners out, food for xmas dinner)
$230



Nov 1- McDonalds, late cc bill, Stop and Shop
Nov 2- $14 bowling and coffee/donuts
Nov 3- $0
Nov 4- 12.76 Walgreens, 26.57 hubby gas
Nov 5- 34.29 me gas, 13.71 starbucks, 1.99 trader joes, 7.48 stop and
shop,16.47 produce m&M farms, 35.51 Joann fabrics split between gifts, xmas gifts and misc spending, 8.89 fedex
Nov 6-JCpenny return yay! Money Order, 1.70 lunch salad, $40 drinks at apps, 19.50DH groceries for work
Nov 7- bday card 3.38, lunch at TGIF 31.80, hubby haircut $21
Nov 8- paper $2, Home Depot 31.76, holiday tiles 3.05, D&D 5.82, convenience store 4.25
Nov 9- lunch w/ hubby 12.50, hubby gas 28.00
Nov 10- $0
Nov 11- gas 36.21, s&s groceries 33.54, walgreens groceries 12.40, walgreen xmas gift 5.00
Nov 12-

 

[CherylA]

Groceries
$530
-19.81 Trader Joes
-65.43 Stop and Shop
=444.7
-12.76 Walgreens (11/4)
=432.00
- 16.47 m&m farms (11/5) -7.48 cash stop and shop (11/5) - 1.99 trader joes (11/5)
=406.06
- 4.25 Convenience Store half and half and soda (cash 11/8)
=401.81
-19.50DH groceries for work
=382.31
- 33.54 stop and shop 11/11
-12.40 Walgreen 11/11
= 336.37

Wow! I thought I'd do some calculating and see how I was going on my grocery budget. I took the $530 I alloted this month for groceries and divided it by the # of days this month (30) then multiplied that by the number of days that have already passed this month (11) and subracted that from the $530 to see how much grocery money I should have left if I was keeping on pace and it came out to $336. I'm pretty impressed with myself!

 

[princessbride6205]

Nov 1 - $5 water & juice for airplane
Nov 2 - $3 parking/shuttle
Nov 3 - $3 parking/shuttle
Nov 4 - $3 parking/shuttle, $60 bus/shuttle pass, $9 stamps, $74 groceries, $21 gift, $5 lunch
Nov 5 - $2 parking, $4 groceries, $8 lunch, $100 gas card
Nov 6 - $0 Finally!
Nov 7 - $15 toy for DD, $23 lunch, $23 dinner, $40 groceries
Nov 8 - $21 groceries, $10 other (book & dollar spot stuff to keep DD occupied since we all have flu!)
Nov 9 - $0
Nov 10 - $11 Up DVD
Nov 11 - $20 other (potty & step stool for DD), $5 groceries

Groceries - spent $104/$275
Other (diapers, household, clothing) - spent $65/$200
Dining Out - spent $51/$120
Fun Money - spent $13/$40 each (me and DH)
Car/Gas/Parking/Bus - spent $171/$250 (incl airport parking over Thanksgiving)
Giving - $25
Medical - $50

Exceptions:
Christmas - Budget TBD
Friend's Baby Shower - spent $21/$25

 

[charming23]

Went and got a haircut and manicure today used a giftcard so no money out of pocket.

Groceries/household- $300/$201.28 Left
Eating Out/Entertainment- $100/$64.43 left
Gas/Car-$50
Misc-$150/$61.69 Left
Holiday items- $100/$57.71 left
I also would like to have at least 15 $0 days.

11/1 $0
11/2 $55.56 at Aldi's and 17.98 at Target
11/3 $9.87 at Books-a-million, Target $14.65 for baking and $15 for new sheets
11/4 $24.29 at grocery and $11.26 for holiday items
11/5 $0
11/6 $0
11/7 $0
11/8 $14.26 for pics at Walgreen's and $8.28 for lunch at Camille's
11/9 $16.75 Goodwill and $34.05 at Save-a-lot
11/10 $0
11/11 $17.30 Lunch for 2 at the City Diner, 13.94 for new wiper blades, and 9.99 for a pizza dinner after raking
11/12 $0

Total for November $700/$436.82 left

I have also started to track my saving from coupons and sales and so far I have saved $104.46

 

[A.Mickey]

Running Total: Spent $298
$750...$452 left
$0 Days:6
Goal is 15 or more!

Groceries- $300...$210 left
Gas- $150...$105
Eating Out- $100...$22 left
Misc. (Shopping/Entertainment) $200...$115 left

1- $35 (Groceries), $15 (Eating Out) $7 (Parking) $20 (Gas)
2- $0
3- $0
4- $0
5- $0
6- $20 (Baggage Fee) $10 (food at the AZ Fair) $15 (Groceries) $15 (Eating Out)
7- $8.00 (Shirt) $26 (Eating Out)
8- $30 (drink tips)
9- $20 (Baggage Fee) $4 (Eating Out)
10- $40 (Groceries) $8 (Eating Out) $25 (Gas)
11- $0
12- $0

 

[smiller]

11/1 - $0
11/2 - $14.17 Aldi
11/2 - $9.00 Haircut
11/3 - $1.50 Pepsi
11/4 - $15.00 Newleaf Natural
11/5 - $10.14 Village Discount Outlet
11/6 - $14.00 ??? Leland
11/6 - $5.00 Los Mogotes
11/7 - $3.00 ??? McDonald's
11/7 - $5.45 Subway
11/8 - $14.xx Bleeding Heart Bakery
11/8 - $1.00 Parking
11/9 - $0
11/10 - $0
11/11 - $16.83 Newleaf Natural
11/11 - $6.81 Aldi
11/12 - $0

TOTAL: $115.90/$300.00

 

[paulasillars]

1st - $15 for dinner & $5 at a school fair ($1 for a Winnie the Pooh mug, $2 box of books, $2 bag of clothing)
2nd - $0
3rd - $0
4th - $0
5th - $0
6th - $0
7th - $0
8th - $0
9th - $40 World Vision
10th - $0
11th - $6.50 for lunch
12th - $4.50 for lunch & $7.50 for dinner

Went all out yesterday and splashed out on two meals out but barely cracked the $12 mark.

We just switched power companies and are looking to save about $20 a month (hopefully).

Also our DVC booking following the TA in Sept/Oct has been confirmed - woohoo!

Resisting the urge to go and browse on Ebay for a Mickey Mouse tea kettle... help me!

 

[Swmr359]

Nov.1 $4 for ice cream
Nov.2 $27 for groceries
Nov.3 $0
Nov.4 $0
Nov.5 $7 at Target
Nov.6 $0
Nov.7 $4 at Starbucks
Nov.8 $7 at the Andersons
Nov.9 $6 for Chinese food
Nov.10 $0
Nov.11 $0
Nov.12 $0

groceries: 41/60
ice cream: 1/2 ($4)
eat out: 1/2 ($6)
misc.: $4
total: $55
------
Grocery shopping today after work; I'm hoping to get some good savings. I've loaded coupons on to my Kroger card, and printed off others, so hopfully those will save me some money today.

 

[DawnM]

You have almost a $3,000 budget for food and extras. That is a HUGE budget.

Dawn

Wow! I thought I'd do some calculating and see how I was going on my grocery budget. I took the $530 I alloted this month for groceries and divided it by the # of days this month (30) then multiplied that by the number of days that have already passed this month (11) and subracted that from the $530 to see how much grocery money I should have left if I was keeping on pace and it came out to $336. I'm pretty impressed with myself!

 

[CherylA]

You have almost a $3,000 budget for food and extras. That is a HUGE budget.

Dawn

Yeah I know. I'm not impressed with my ability to spend small amounts of money I'm impressed with my ability to keep pace with what I have budgeted. Maybe I took this wrong but you're not seeming very supportive. Am I not welcome here because I have a larger budget than some?

 

[Siouxstone]

Yeah I know. I'm not impressed with my ability to spend small amounts of money I'm impressed with my ability to keep pace with what I have budgeted. Maybe I took this wrong but you're not seeming very supportive. Am I not welcome here because I have a larger budget than some?

Everyone is welcome, no matter how big or small your budget is. We've had all shapes and sizes over the years. The point is to know where your money goes and to control your money instead of it controlling you.

11/10-$0
11/11-$0
11/12-$9 groceries/household

Ugh. Blew a zero day because I didn't have toothpaste or milkbones in the pantry. Silly, I know, but as I usually buy these on sale and stock up, when I go to grab them and don't have them it seems rude! And, a pup without its reward seems very sad sitting in front of the fridge awaiting her biscuit.

 

[CherylA]

Nov 1- McDonalds, late cc bill, Stop and Shop
Nov 2- $14 bowling and coffee/donuts
Nov 3- $0
Nov 4- 12.76 Walgreens, 26.57 hubby gas
Nov 5- 34.29 me gas, 13.71 starbucks, 1.99 trader joes, 7.48 stop and
shop,16.47 produce m&M farms, 35.51 Joann fabrics split between gifts, xmas gifts and misc spending, 8.89 fedex
Nov 6-JCpenny return yay! Money Order, 1.70 lunch salad, $40 drinks at apps, 19.50DH groceries for work
Nov 7- bday card 3.38, lunch at TGIF 31.80, hubby haircut $21
Nov 8- paper $2, Home Depot 31.76, holiday tiles 3.05, D&D 5.82, convenience store 4.25
Nov 9- lunch w/ hubby 12.50, hubby gas 28.00
Nov 10- $0
Nov 11- gas 36.21, s&s groceries 33.54, walgreens groceries 12.40, walgreen xmas gift 5.00
Nov 12- $0 Woo hoo!
Nov 13- $18.27 Passporter 2010 xmas gift


Yesterday was a zero day!
Aiming for 10 zero days
3/10 zero days

 

[charming23]

Today is a zero day as well. Tomorrow I am going to the Food Show here in Cleveland so I am sure I will be spending money there.

Groceries/household- $300/$201.28 Left
Eating Out/Entertainment- $100/$64.43 left
Gas/Car-$50
Misc-$150/$61.69 Left
Holiday items- $100/$57.71 left

I also would like to have at least 15 $0 days.- 7 so far

11/1 $0
11/2 $55.56 at Aldi's and 17.98 at Target
11/3 $9.87 at Books-a-million, Target $14.65 for baking and $15 for new sheets
11/4 $24.29 at grocery and $11.26 for holiday items
11/5 $0
11/6 $0
11/7 $0
11/8 $14.26 for pics at Walgreen's and $8.28 for lunch at Camille's
11/9 $16.75 Goodwill and $34.05 at Save-a-lot
11/10 $0
11/11 $17.30 Lunch for 2 at the City Diner, 13.94 for new wiper blades, and 9.99 for a pizza dinner after raking
11/12 $0
11/13 $0

Total for November $700/$436.82 left

I have also started to track my saving from coupons and sales and so far I have saved $104.46

 

[casper_jj11]

Yeah I know. I'm not impressed with my ability to spend small amounts of money I'm impressed with my ability to keep pace with what I have budgeted. Maybe I took this wrong but you're not seeming very supportive. Am I not welcome here because I have a larger budget than some?

I've been MIA a lot this month... lots going on... but I have a huge budget too. I've been on this forum since last April and despite teh huge budget, I've found it really helps to post. Like Siouxstone said, there's a huge variety of us on here and the point is to stay within or close to the budget that we set for ourselves...its not about comparison because everyone is in a different boat.

groceries $700 ($175/wk) $416.59 left
gas $500 $440.47 left
cat food $90 $45 left
MIL bday $50 $6 left DONE
winter boots for DS7 $50
swimming registration for 3 kiddos $$350 $18 left DONE
gymnastics registration for 2 kiddos $318 $0 left DONE
tire change and oil change at garage x 2 $160
my spending $150 $1.21 left (hmm, mostly on gifts I forgot to budget for bdays)
DH spending $150 $101.60 left (no idea what's happening here)

Christmas (carried over from last month)
DS7 $85 $32.71 left
DD3 $50 $0.20 over
DS2 $35 $19.63 left
DH $150 $30 over .. not good, there's more too
DMom $100 $40 left
DDad $100 $78 left
DMIL $100 $88 left
kids caregiver $100 $38.55 left
SIL $50 $5.50 left DONE
BIL $50

I'll carry over what isn't spent on Christmas this month, into next month. I'll also increase DH's budget then too for my Christmas gifts... no way he'll shop before mid Dec

Total including Christmas $3338 $1409.21 left

1 - $0 YEAH! Good start!
2 - groceries $70.51; yard bags $6.76
3 - $332 swimming registration; gas $59.53
4 - DS7 $5 Christmas; Christmas DD3 $5; something for DS2's new big boy bedroom $4; friend's son Christmas $9.04
5 - DS7 gift $14.50; Christmas clothes for kiddos $26
6- Christmas gifts: DS7 $20.79; DD3 $45.20; DS2 $15.37; caregiver $11.75; bday gift for friend $18.08; newborn gift for friend $24.40; $15 shirt for DS2 ... I really need to stay out of gymboree
7- $48 lunch out for the family ; $24 Operation Christmas Child box
8 - $45 groceries
9- dad Christmas $22; groceries $83.63; cat food $45
10 - DS's friends bday $22.67; SIL Christmas $22.59; groceries $5.47; $5.38 advent calendars for kiddos
11 - $10 lunch out with kiddos; $30 at TRU for reward for DD for a week of no nighttime accidents ; groceries $50; gymnastics $318
12 - $6.66 groceries; $180 DH Christmas; $12 DS7 Christmas; $50 caregiver Christmas; $22.5 SIL Christmas; $12 MIL Christmas; $60 Mom Christmas; $44 mil bday

 

[paulasillars]

Everyone is welcome, no matter how big or small your budget is. We've had all shapes and sizes over the years. The point is to know where your money goes and to control your money instead of it controlling you.

I've been MIA a lot this month... lots going on... but I have a huge budget too. I've been on this forum since last April and despite teh huge budget, I've found it really helps to post. Like Siouxstone said, there's a huge variety of us on here and the point is to stay within or close to the budget that we set for ourselves...its not about comparison because everyone is in a different boat.

I agree totally with the above, everyone is welcome in this thread - its not about how little or much you have in your budget/income but whether you can control your unneccessary spending, stay in budget and/or reduce debt.

Also keep in mind that incomes/expenses vary hugely depending on where you live in the US or overseas.

Both DH and I earn what are considered above average incomes here in NZ, however we have a mortgage and the sooner we can finish paying that, the sooner we can start saving for our retirements.

 

[smiller]

Went to the store today to buy supplies for a party I'm attending tomorrow - need to bring a few items with. Of course, I wanted to buy popcorn and ice cream and all these things NOT on my list, but thankfully willpower won out!

11/1 - $0
11/2 - $14.17 Aldi
11/2 - $9.00 Haircut
11/3 - $1.50 Pepsi
11/4 - $15.00 Newleaf Natural
11/5 - $10.14 Village Discount Outlet
11/6 - $14.xx Leland
11/6 - $5.00 Los Mogotes
11/7 - $2.40 McDonald's
11/7 - $5.45 Subway
11/8 - $14.xx Bleeding Heart Bakery
11/8 - $1.00 Parking
11/9 - $0
11/10 - $0
11/11 - $16.83 Newleaf Natural
11/11 - $6.81 Aldi
11/12 - $0
11/13 - $29.26 Jewel
11/13 - $21.25 Meat CSA

TOTAL: $165.81/$300.00

Still missing two receipts, but I can only really be off by a dollar or two. I've decided to take out money each month to save for buying my meat CSA at the beginning of the year - I have some saved already, but if I save a bit each month it will make the payment all that easier for 2011!

 

[Swmr359]

Nov.1 $4 for ice cream
Nov.2 $27 for groceries
Nov.3 $0
Nov.4 $0
Nov.5 $7 at Target
Nov.6 $0
Nov.7 $4 at Starbucks
Nov.8 $7 at the Andersons
Nov.9 $6 for Chinese food
Nov.10 $0
Nov.11 $0
Nov.12 $0
Nov.13 $62 for groceries $32 for gas

groceries: 103/60 ok went way over...I'll take this in to account for next month
ice cream: 1/2 ($4)
eat out: 1/2 ($6)
misc.: $36
total: $149
------
Seems like I ran out of everything this week and had to get it today. At least I was able to get some good prices and I shouldn't have to go shopping for at least two weeks

 

[A.Mickey]

Running Total: Spent $313
$750...$437 left
$0 Days:6
Goal is 15 or more!

Groceries- $300...$205 left
Gas- $150...$105
Eating Out- $100...$12 left
Misc. (Shopping/Entertainment) $200...$115 left

1- $35 (Groceries), $15 (Eating Out) $7 (Parking) $20 (Gas)
2- $0
3- $0
4- $0
5- $0
6- $20 (Baggage Fee) $10 (food at the AZ Fair) $15 (Groceries) $15 (Eating Out)
7- $8.00 (Shirt) $26 (Eating Out)
8- $30 (drink tips)
9- $20 (Baggage Fee) $4 (Eating Out)
10- $40 (Groceries) $8 (Eating Out) $25 (Gas)
11- $0
12- $0
13- $5 (Groceries) $10 (Eating Out)