The big "no buy in July" thread!

[loritemp]

Daisy great question! I feel guilty a lot of time over what I spend and I HATE it. I have a good job, I make a very good salary. When I had my son just over 2 years ago, we decided my DH would quit and stay home to take care of my son. We figured if we buckled down we could do it. Well, we didn't really buckle down!! And we blew through some money we had inherited (ok, in all fairness, we did pay off both cars and pretty much eliminated our debt other than our mortgage but we certainly took a few too many liberties with that money).

I have really only been tracking my spending this month and really don't feel like have deprived us of anything. We still hit the local ice cream stand once in a while, we got takeout last night just cause we felt like it. But the guilt is still there if it is something for ME. I am expecting #2 right now and had no summer maternity clothes. I felt awful when I ordered stuff from Walmart that only cost me $20. It's insane to me to feel bad when I spend on items I need. But I do.

I agree with Virgderon I need to find a balance between how I used to spend and how I feel like I should now spend. It's hard but I think I am getting there!

 

[charming23]

Finally got to the grocery this morning. Spent $48.44 but that included groceries and some household stuff. The good thing though is I will only have one more big shopping trip this month since I watied so long.

July Budget:

Grocery- $200/ $78.88 left
Household/Beauty- $50/ $35.54 Left
Car/Gas- $50/ $25.62 left
Eating out/ Entertaiment- $50/$30 left
Misc- $50/$38.24

Total- $400/$223.28 left

Goal of 10 no buy days

7/1- $11.76 at Kmart
7/2- Out of town
7/3- Out of town
7/4- Out of town
7/5- $0
7/6- $61.16 at Marc's for groceries
7/7- $0
7/8- $0
7/9- $24.38 Gas and $9.62 at Sally Beauty
7/10- $0
7/11- $0
7/12- $0
7/13- $16.36 groceries
7/14- $10 for lunch and $5 for the movie
7/15- $0
7/16- $48.44 at Giant Eagle

7/10 No Buy days

 

[lougoofy]

7/14/10: $0 day

7/15/10: $1.52 home goods store, $.53 paper towels and $1.05 sunkist from dairy mart

 

[Virgderon]

My 0 spend days goal was low, and I made it today. Good thing, because the spending is going to be happening... 2nd half of the month is a challenge.

Running Total: Spent $418
$1150 budget...$732 left
$0 Days: 8
Goal is 8 or more!
coupon savings $101

Groceries budget- $200-4-2-35-9-30-25... 95 left

July 1 0
July 2 0
July 3 14 (8 misc, 2 book, 4 lunchmeat)
July 4 21 (16 lunch at Changs, 5 tee at Old Navy)
July 5 163 (misc at Disney, 2 pop)
July 6 0
July 7 35 (groceries)
July 8 23 ( Walgreens- 9 pop)
July 9 84 ( haircut, groceries)
July 10 0
July 11 0
July 12 0
July 13 19 ( office supplies, misc Walgreens)
July 14 0
July 15 59 ( 19 eating out , 40 Target- 25 was groceries)
July 16 0

 

[SunnieRN]

July goals:
13 No buy days (after set bills)
Grocery: $400/-$153, $97, $53
Entertainment/Eating out: $200/-$31.68, -$37.89 and $8.43

July 1: $0 (and worked on CE at home, so 5 hours overtime at work!
July 2: $153 Groceries, (including 4th of July potluck and BBQ and a crab dinner tomorrow night. LOTS of fresh fruit also! But 4 more hours OT!
July 3: $0
July 4: $0
July 5: $0
July 6: $31.68 Take out lunch (enough chinese for 2 meals)
July 7: $0 (Work tonight and tomorrow night, so be back when I can
July 8: $0
July 9: $0
July 10: $560, $97 groceries.
July 11: $0
July 12: $57.58 Groceries, $300, school supplies, medicine, some birthday and Christmas.
July 13: $0! ! Finally! Dinner in the oven, getting ready for work!
July 14: $0! And a piece of great news! They called from the hospital to pre register me for my ultrasound Friday and I have a $0 co pay!!!
July 15: $0 My daughter made me the most FANTASTIC birthday dinner!!
July 16: $38.00 Groc., $287 Christmas

10/13 No Buy Days!
Added to Savings: $115/$400
Christmas 75% complete, one birthday completely DONE[/QUOTE]

Happy Birthday, Sunnie! And great news on the $0 co pay!!!

Thank you so much!! I feel very blessed for the $0 co-pay!!

 

[lougoofy]

7/15/10: $1.52 home goods store, $.53 paper towels and $1.05 sunkist from dairy mart

7/16/10: $1.52 store up the street (I had to return a tape to them), $13.44 Walgreens (mostly med.), $1.50 bus fare, $2.00 Iced Coffee (From Krispy Kreme) nice on a HOT day

 

[SnowWhite607]

July 1 - $6 for ice cream for me and DD, $10 lunch Chick Fil A

July 2 - 98.45 at Walmart - that includes groceries for the week, cat stuff, paper products and toiletries. If I can keep this under $500 total for the month, that would be great!

17.68 Sonic for lunch

July 3 - groceries 20.38 (meat and stuff)

July 4 - 3.03 McDonalds

July 5 - 16.93 lunch, $3 snacks at the pool

July 6 - ZERO!!

July 7 - 11.72 lunch

July 8 - 10 - out of town

I will be going out of town Thursday thru Saturday this week. All things will be paid for thru savings set aside for this so I am not going to count it here

July 11 - Walmart (groceries and paper goods) 88.65
School supplies - 9.00

July 12 - school uniforms 111.90 (but I have to return one more that she changed her mind on. Plus when I got home there was a $10 off $50 coupon in the mail from Academy Sports - where I just bought all my stuff. I called and they said I could bring in my receipt and the coupon and get my ten bucks! So the total will be around 95-ish)
school supplies 53.67
birthday gift 9.00

July 13 - 0

July 14 - summer kids movie for me and DD 6.00
Lunch 10.83 (had a $2 coupon)
Bookbag, lunchbox, hair stuff 60.42
Ice cream 3.00

July 15 - took my old uniforms to the mall and got a $40 gift card for it. Also got my $10 credit back for my Academy coupon from the other day.
Sears - shirts for me 15.63
capris for DD - 10.86
CVS - stamps, etc - 10.95
Gas - 26.00

July 16 - groceries 86.85
DD sunglasses 5.00
movie rental 5.00

I am at about 294 for the month on groceries/toiletries/paper goods/cat stuff so I have over $200 left (since I wanted to keep it under $500). I think I may only have to do one more grocery shop this month.

Sunday is my birthday so we will be eating out then but I am really trying to eat more at home and not eat out so much, not even fast food for lunch.

 

[annsteere]

Goals:
10 no spend days
less than $100 on impulse/non essentials

This week
$8 - kid from church in a musical production
$5 - candied pecans from Trader Joes-- just because
4 no spend days

Totals:
6/10 no spend days
$25 impulse/fun spending

 

[Ginamarie]

7-1 - $10 parking fee
7-2 $0 (my first no spend day in July!)
7-3 - $77.32 groceries, $32.35 baby shower gift
7-4 - $12.50 groceries
7-5- $0
7-6 $0
7-7 $0
7-8 $30- kid/baby stuff, $91 BJs
7-9 $0
7-10 $0
7-11 $0
7-12 $0
7-13 $13 dinner after job interview
7-14 $19 lunch with hubby, $50 gymbuck redemption, $13 Kmart (sold remaining gymbucks for $28)
7-15 $30 groceries at BJs
7-16 $0


I had a couple of bad days in there, but I think I'm still on track to beat my goal. I whipped up a huge batch of homemade mac and cheese with broccoli today without needing a trip to the store for ingredients.

No spend days 9/12

 

[ronnmel]

I was a very bad girl today and bought too many clothes...

No Buy Days : 1/10
Gas : 20$
Car repairs :
Groceries : 158$
Eating out (and snacks) : 151$
Non-necessities : 492$

7/01 : 12$ (greeting cards)
7/02 : 16$ (groceries)
7/03 : 40$ (groceries + sunscreen)
7/04 : 110$ (water park day)
7/05 : 28$ (groceries)
7/06 - 7/08 : 110$ (camping, groceries, sunscreen, etc.)
7/09 : 40$ (cat food & litter)
7/10 : 80$ (eating out)
7/11 : 46$ (toaster + camping chair)
7/12 : 100$ (groceries + gas + clothes)
7/13 : 0$
7/14 : 85$ (app + groceries)
7/15 : 13$ (movies rental)
7/16 : 141$ (clothes + ice cream)

 

[3girlsfun]

7-9--$1 parking garage fee at dr.'s office (ugh, almost was a no spend!)
7-10--$37 for weekly family lunch, $20 gas, $30 for house needs, and upcoming trip needs at Dollar General, Sonic $3.50 for drinks
7-11--$4.58 Home Depot, $47.22 Logan's for lunch. $158 Walmart (don't take family to Walmart!!!!!) $15 Walgreens, prescription \

7-12--$20 gas, $1 Dollar General, $5.68 Taco Bell
7-13----No Buy!
7-14---$61, groceries, and I donated about $500 worth of stuff to the Goodwill!
7-15--No Buy!
7-16--$25 gas, $21.00 Walmart-b-day cards, drinks, popcorn,

2/8

I really want to make tomorrow and Sunday no spend days. It is always tougher on the weekends. Although, if we get a check from SIL's insurance company, I will be buying a new car seat, so really hoping that will come in!!!! I am trying to hold off on buying DH's bday present until Monday, as my Mom has bought him two presents, and told me I should give him one of them. The funny thing is, she bought the thing I was going to buy!!! So, it will be great if this works out, then it costs me $0 for DH's bday gift!!!

 

[Where'sPiglet?]

Goals: 15 $0 Buy days
Max spending $500 for gas, food (groceries & eating out), and miscellaneous.

01 - $0!
02 - $0!
03 - $82.80 Winn-Dixie (Saved $34.85)
04 - $0!
05 - $0!
06 - $0!
07 - $57.15 Walmart, gas, brake tag, dinner out
08 - $2.45 I just HAD to have a snoball!
09 - $22.45 lunch out with friends
10 - $23.05 zoo & bracelets
11 - $0!
12 - $90.49 Walmart, Popeyes
13 - $0!
14 - 42.71 snoball, Canes, gas, Rouses
15 - 9.45 lunch
16 - $0!

Totals:
$0 Buy: 8/15..................53%
Spending: $330.55/$500...66%
Days in Month: 16/31.......52%

Averages:
$500/31 days= $16.13
$330.55/16 days= $20.66

I am feeling better about making my $0 Day goal. Still not so sure about the spending goal, but we shall see!

 

[Cindy-rella]

Doing great on my budget, but can't seem to get no buys being out of town!

Groceries $440/$112.25
No buy: 4/12

 

[QVCshopper]

No-buy days: 7/10
Spent: $443/$800 [not including gas/bills]

7/1 - $2.25 popcorn at free show
7/2 - $3.50 Pretzel Factory; $5 Garden; $2.25 Hallmark; $9.50 B&N; $16 Genuardis; $11 Haircut
7/3 - $6 ChickFilA; $5 LL Bean
7/4 - $10 Farmers Market; $6 Candy Store/Machines; $38 Weis food; $2.50 Dunkin Donuts
7/5 - $0
7/6 - $0
7/7 - $12 Grey Towers; $18 Lunch; $40 Pizza Hut dinner; $5 Candy Store/Machines
7/8 - $0
7/9 - $3 Hallmark; $4 Wawa; $25 gift card
7/10 - $81 Redners food; $5 farmers market; $20 Panera Bread; $15.85 TRU gift; $11 Wegmans
7/11 - $13.50 Orchard; $4 Wawa; $35 Wegmans
7/12 - $0
7/13 - $0
7/14 - $25 Thrift Store; $6 BK
7/15 - $3 popcorn at free show
7/16 - $0
7/17 - $0 (being optimistic here...)

 

[SnowWhite607]

July 1 - $16 (ice cream and lunch)

July 2 - 98.45 at Walmart - that includes groceries for the week, cat stuff, paper products and toiletries. If I can keep this under $500 total for the month, that would be great!

17.68 (eating out)

July 3 - groceries 20.38 (meat and stuff)

July 4 - 3.03 (eating out)

July 5 - 19.93 (eating out)

July 6 - ZERO!!

July 7 - 11.72 (eating out)

July 8 - 10 - out of town

July 11 - Walmart (groceries and paper goods) 88.65
School supplies - 9.00

July 12 - school uniforms 111.90 (but I have to return one more that she changed her mind on. Plus when I got home there was a $10 off $50 coupon in the mail from Academy Sports - where I just bought all my stuff. I called and they said I could bring in my receipt and the coupon and get my ten bucks! So the total will be around 95-ish)
school supplies 53.67
birthday gift 9.00

July 13 - 0

July 14 - summer kids movie for me and DD 6.00
Lunch 13.09 (had a $2 coupon)
Bookbag, lunchbox, hair stuff 60.42
Ice cream 3.00

July 15 - took my old uniforms to the mall and got a $40 gift card for it. Also got my $10 credit back for my Academy coupon from the other day.
Sears - shirts for me 15.63
capris for DD - 10.86
CVS - stamps, etc - 10.95
Gas - 26.00

July 16 - groceries 86.85
DD sunglasses 5.00
movie rental 5.00

July 17 - DD and DH are shopping for my birthday gift right now but I wont have a total till later on this week. (when he gives me the receipt, LOL) Other than that, today is planning to be a ZERO day!
__________________

 

[figaromeetsmarie]

July Budget:

Grocery- $195.91/300
Household- $50
Eating out/ Entertaiment- $0/50--over $. Had a big bday dinner out.
Misc- $100

Total- $500

Goal of 8 no buy days



July 1st- No Buy Day
July 2nd-$30.00 groceries $20 eating out
July 4th- No buy Day
July 5th-No buy Day
July 6th-$11.10 groceries
7th-No buy
8th-No buy
9th-$11.04 groceries
11th-$15.68 groceries
12th-$27.12 groceries
13th-No Buy
15th-$6.45 groceries $2.70 groceries


Grocery Coupon Savings $218.34

 

[SunnieRN]

July goals:
13 No buy days (after set bills)
Grocery: $400/-$153, $97, $53
Entertainment/Eating out: $200/-$31.68, -$37.89 and $8.43

July 1: $0 (and worked on CE at home, so 5 hours overtime at work!
July 2: $153 Groceries, (including 4th of July potluck and BBQ and a crab dinner tomorrow night. LOTS of fresh fruit also! But 4 more hours OT!
July 3: $0
July 4: $0
July 5: $0
July 6: $31.68 Take out lunch (enough chinese for 2 meals)
July 7: $0 (Work tonight and tomorrow night, so be back when I can
July 8: $0
July 9: $0
July 10: $560, $97 groceries.
July 11: $0
July 12: $57.58 Groceries, $300, school supplies, medicine, some birthday and Christmas.
July 13: $0! ! Finally! Dinner in the oven, getting ready for work!
July 14: $0! And a piece of great news! They called from the hospital to pre register me for my ultrasound Friday and I have a $0 co pay!!!
July 15: $0 My daughter made me the most FANTASTIC birthday dinner!!
July 16: $38.00 Groc., $287 Christmas
July 17: $0 Phew!

12/13 No Buy Days!
Added to Savings: $115/$400
Christmas 75% complete, one birthday completely DONE

 

[thebigkahuna]

07-01 $9.00 dinner.
07-02 $11.65 lunch
07-03 $0!
07-04 $0!!
07-05 $5.78 Kmart
07-06 $1.00 vending machine ice cream! $16.00 misc.
07-07 $0!
07-08 $0!
07-09 $16 movies $11 gift
07/10 $31 dinner, $8 drug store PLUS $5.00
07/11 $0!
07/12 $5 & change - lunch
07/13 $15.70 post office
07/14 $6.53 breakfast
07/15 No $pend and plus $27.50!
07-16 $63.00 presents. $11.00 dinner.
07/17 only spent my allotted grocery money (and didn't even spend it all!!) I bought no extras! I'm counting this day as a no spend!

No $pend days: 7 / 12

 

[ronnmel]

Finally, another No Buy day!

No Buy Days : 2/10
Gas : 20$
Car repairs :
Groceries : 158$
Eating out (and snacks) : 151$
Non-necessities : 492$

7/01 : 12$ (greeting cards)
7/02 : 16$ (groceries)
7/03 : 40$ (groceries + sunscreen)
7/04 : 110$ (water park day)
7/05 : 28$ (groceries)
7/06 - 7/08 : 110$ (camping, groceries, sunscreen, etc.)
7/09 : 40$ (cat food & litter)
7/10 : 80$ (eating out)
7/11 : 46$ (toaster + camping chair)
7/12 : 100$ (groceries + gas + clothes)
7/13 : 0$
7/14 : 85$ (app + groceries)
7/15 : 13$ (movies rental)
7/16 : 141$ (clothes + ice cream)
7/17 : 0$

 

[Where'sPiglet?]

Goals: 15 $0 Buy days
Max spending $500 for gas, food (groceries & eating out), and miscellaneous.

01 - $0!
02 - $0!
03 - $82.80 Winn-Dixie (Saved $34.85)
04 - $0!
05 - $0!
06 - $0!
07 - $57.15 Walmart, gas, brake tag, dinner out
08 - $2.45 I just HAD to have a snoball!
09 - $22.45 lunch out with friends
10 - $23.05 zoo & bracelets
11 - $0!
12 - $90.49 Walmart, Popeyes
13 - $0!
14 - $42.71 snoball, Canes, gas, Rouses
15 - $9.45 lunch
16 - $0!
17 - $0!

Totals:
$0 Buy: 9/15..................60%
Spending: $330.55/$500...66%
Days in Month: 17/31.......55%

Averages:
$500/31 days= $16.13
$330.55/17 days= $19.44