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Archive for March, 2011

Last Day of March, Thus No Spending!!

March 31st, 2011 at 09:00 am

Today will be a no spend day. I know I can do this!!

However, yesterday I ran to the store, again. I picked up a few grocery items and a hair product. I spent $12.20.

Balance Forward: $508.41
Gift Purchase: (9.53)
Cash Gift (50.00)
Prescription (22.00)
Grocery Purchase (69.00)
Birthday Eats (30.86)
Grocery Purchases (6.66)
Grocery Purchase: (3.47)
Fuel Purchase: (56.99)
Grocery Purchase: (40.33)
Grocery Purchase: (6.29)
Previous Balance: $213.28

Grocery Purchase: (12.20)
New Balance: $201.08

Geez, I'm cutting it close to my $200! But I'm still in the game. It looks like most of us are unable to do a no spend month for April, but LittleMsMom is going to spend as little as possible in April with a few exceptions. Rememeber I made an exception for my daughter's birthday in March. I guess I would have saved more if I picked a non birthday month! Oh well.

Tomorrow I'll reflect back on the month with a wrap up post about my March No Spend Month. Stay tune.

Who's Up for A No Spend April?

March 30th, 2011 at 08:10 am

My no spend month is almost over as the month of March draws to a close. Anyone want to do a no spend month in April? Pay your bills and only spend on necessities. At the end of the month we can see if you saved some cash. I'll cheer you on.

I had a no spend day yesterday. I noticed that we are very low on butter and I have no soda in the house. I might cave and go buy those things. Otherwise things are looking very good to close the month with at least $200 in saved cash.

I realized that $200 divided by 31 days is $6.45 per day saved. One could simply save $6.45 per day by transferring it to a savings account and have $200 by the end of the month. And who couldn't use an extra $200?

Walmart Took My Money!

March 29th, 2011 at 06:12 am

Well, I guess I gave it to them in exchange for grocery products. My daughters wanted juice and when I shopped on Sunday I failed to get any. Boo. There are only a few days left, but I'm not going to deny them juice!! I hit Walmart for two types of juice and spent $6.29. Seems high. I need to do better about looking for these things on sale and stocking up.

Balance Forward: $508.41
Gift Purchase: (9.53)
Cash Gift (50.00)
Prescription (22.00)
Grocery Purchase (69.00)
Birthday Eats (30.86)
Grocery Purchases (6.66)
Grocery Purchase: (3.47)
Fuel Purchase: (56.99)
Grocery Purchase: (40.33)
Previous Balance: $219.57

Grocery Purchase: (6.29)
New Balance: $213.28

My balance is still above $200. Yipee!!


Decluttered A Kitchen Cabinet

March 28th, 2011 at 10:46 am

Yesterday, I went through my kitchen cabinet where I keep my baking supplies. I tossed out at least 10 expired spices. I had no idea I had that many!! I also moved the cookie cutters and two cookbooks to other cabinets. It is still a full cabinet, but it looks so much better. I am not replacing the spices, until I see a need to replace. I rarely use paprika or cardamon. Smile

I found I had many slips of paper with recipes on them. I recycled the ones I won't use or didn't like. I typed the ones I still use into my Evernote account for future reference. I did this while watching a movie with my daughter, so it was painless.

I also found some expired vitamins in another cabinet. Those were tossed, too. Do you think you have any expired items? If so, toss them today!! It only takes a few moments of your time.

The Last of March Spending?

March 27th, 2011 at 03:39 pm

I wonder. Was the money I spent today the last of my spending for March? It seems like it could be!!

Balance Forward: $508.41
Gift Purchase: (9.53)
Cash Gift (50.00)
Prescription (22.00)
Grocery Purchase (69.00)
Birthday Eats (30.86)
Grocery Purchases (6.66)
Grocery Purchase: (3.47)
New Balance: $316.89

Fuel Purchase: (56.99) !!!
Grocery Purchase: (40.33)
New Balance: $219.57

I would really like to end the month with an extra $200 in the account. It would make the effort very well worth it!

No Spend Saturday

March 27th, 2011 at 06:17 am

It was a no spend Saturday. Yipee!!

We stayed home, entertained ourselves with things around the house, ate from the cupboards and wanted for nothing.

Today. I have to get fuel and a few groceries to make it through Thursday. Only a five days to go in the no spend month.

Checking account balance to date: $316.89

No Spend Month

March 26th, 2011 at 08:00 am

As I said earlier in the month, the no spend month still has spending. It seems that it has primarily been food. I intended to only buy food we need at the moment. However, yesterday I made an exception and stocked up on pizza crusts that were on sale for 4 for $1. I thought I would buy 12 but ended up with only 8 since I needed another item and wanted to use the cash I had in my wallet rather than my debit card.

Balance Forward: $508.41
Gift Purchase: (9.53)
Cash Gift (50.00)
Prescription (22.00)
Grocery Purchase (69.00)
Birthday Eats (30.86)
Grocery Purchases (6.66)
Previous Balance: $320.36

Grocery Purchase: (3.47)
New Balance: $316.89

Is anyone else getting tired of my spending posts? I am!! At least the month is almost over. And even better it seems I will have saved some cash.

Really...The Last of the Birthday Spending

March 25th, 2011 at 08:42 am

The birthday is over. We had Subway for dinner, and Cold Stone Creamery cupcakes for dessert. All very yummy. I spent $30.86. My sister was here, so that was dinner for four and there are two cupcakes left over.

I also had to run to the store for a card (not necessary) and coffee (necessary). I thought I needed mayo, too. When I went to put away the new mayo jar I opened I found another one in the fridge nearly full. Darn!

Balance Forward: $508.41
Gift Purchase: (9.53)
Cash Gift (50.00)
Prescription (22.00)
Grocery Purchase (69.00)
Previous Balance: $357.88

Birthday Eats (30.86)
Grocery Purchases (6.66)
New Balance: $320.36

I expect I'll need fuel either today or sometime this weekend. I also saw a very good deal on Betty Crocker pizza crusts (4 for $1). We use these quite often, so I think I'll buy 12. Super Target charges over $1 for each one, so you can see why I'm drawn to this deal.

More than a Few Groceries

March 23rd, 2011 at 04:58 am

I guess I stocked up a bit at the grocery store yesterday. All items were needed and should get us through the weekend. I also picked up my prescription.

Balance Forward: $$508.41
Gift Purchase: (9.53)
Cash Gift (50.00)
Previous Balance: $448.88

Prescription (22.00)
Grocery Purchase (69.00)
New Balance: $357.88

I feel really good with our balance this far. There are only 9 more days of the month! Right now I'm hoping for about $200 by the end of the month. That would mean cutting our spending this month by about 20%. Obviously, it all remains to be seen what the true results are. Can't wait!

(I always find it a bit amusing when my purchases come out even, like my grocery purchase did yesterday. Do you?)

Wrapped Up the Birthday Gifts

March 22nd, 2011 at 04:55 am

Actually, I haven't literally wrapped the gifts yet, but I wrapped up the shopping! I got some pretty good deals on things she wanted and she is getting $50 in cash for her own spending fun.

I have promised her Subway for dinner and cupcakes from Cold Stone Creamery. Two favorites of hers! I expect those to cost about $35 later in the week.

Today I need to pick up a prescription as well as a few grocery items. It's a spending day for sure, but all necessities!

Balance Forward: $$508.41

Gift Purchase: (9.53)
Cash Gift (50.00)
New Balance: $448.88

Paid for Cat Sitting

March 21st, 2011 at 05:34 pm

The girls and I took care of two of our neighbor's cats for 10 days. We live just down the block and had to feed them twice a day, play with them and clean out their litter box. We received payment tonight of $50!

Even though March is a no spend month, I think we will plan to do something together this weekend with the money. A movie, a restaurant meal? Maybe we'll wait until the weekend following so it won't be March. What do you think? Should we wait? Or go for it?

Sunday was No Spend

March 21st, 2011 at 06:03 am

As it turns out Sunday was a no spend day. We did shop and I did use my $10 Kohl's coupon for a set of socks that were on sale for $9. Free socks!!

The jeans shopping didn't work out. I will need to order online. Boo.

I'm not sure how the spending will be today. I'm going to try to delay going to the grocery store for one more day. I might finish up the birthday shopping. I guess I'll let you know tomorrow!

Spring and any other change of season can make for more spending. Do any of you feel like you are spending less this month? Or is it much more than usual?

Bought Another Birthday Gift

March 20th, 2011 at 10:12 am

While we were at the museum yesterday, I bought my daughter a book about the artist exhibit we saw. She wanted it and I said it could be a birthday gift...so another purchase! I need to wrap up the birthday spending in the next couple days...it's almost time for the big day.

Today, we are going to run by Old Navy for a pair of jeans for the youngest daughter and possibly Kohl's to use a $10 coupon that expires today. It is hard to pass up free money!!

Beginning Balance: 457.89
Groupon Purchase: (15.00)
Grocery Purchase: (45.59)
Fuel Purchase: (54.49)
Grocery Purchase: (24.13)
Ebay Birthday Purchase: (3.65)
Toaster Purchase: (26.37)
Grocery Purchase: (19.37)
iHerb Purchase: (1.68)
Grocery Purchase: (4.62)
Gift Purchases (19.36)
Grocery Purchase (34.93)
Account Interest $0.07
Cat Food Purchase: (28.61)
Fuel Purchase: (52.21)
Coffee Purchase: (4.99)
Addition of Funds: $500.00
Grocery Purchase: (83.55)
Ebay Purchase: (0.94)
Health Purchase: (5.06)
Previous Balance: $533.41

Gift Purchase: (25.00)
New Balance: $508.41

A Small Expense

March 18th, 2011 at 02:10 pm

I did end up with one expense yesterday. A health item I decided I needed before the end of the month. Cost $5.06.

My parents are visiting for the weekend. My mom is bringing some food. I'm making us homemade pizza for dinner tonight with items already on hand. We will probably eat out for lunch tomorrow to celebrate my oldest daughter's upcoming birthday. It will be their treat. We are visiting a free museum, too. I think I might get away without spending any money until Sunday. It's been a good spring break with minimal expenses. I noticed I still have quite a bit of fuel left in the van that I hope can make it through most of next week. Yipee!!

Beginning Balance: 457.89
Groupon Purchase: (15.00)
Grocery Purchase: (45.59)
Fuel Purchase: (54.49)
Grocery Purchase: (24.13)
Ebay Birthday Purchase: (3.65)
Toaster Purchase: (26.37)
Grocery Purchase: (19.37)
iHerb Purchase: (1.68)
Grocery Purchase: (4.62)
Gift Purchases (19.36)
Grocery Purchase (34.93)
Account Interest $0.07
Cat Food Purchase: (28.61)
Fuel Purchase: (52.21)
Coffee Purchase: (4.99)
Addition of Funds: $500.00
Grocery Purchase: (83.55)
Ebay Purchase: (0.94)
Previous Balance: $538.47

Health Purchase: (5.06)
New Balance: $533.41

May God Give You...

March 17th, 2011 at 08:05 am

May God give you...
For every storm, a rainbow,
For every tear, a smile,
For every care, a promise,
And a blessing in each trial.
For every problem life sends,
A faithful friend to share,
For every sigh, a sweet song,
And an answer for each prayer.

Happy St. Patrick's Day from our Irish family to you!

Yesterday was a no spend day. I expect today to be the same. It is warm here and we will head out for a bike ride before the rain arrives tomorrow.

I played around with my online bank account and was able to add visibility to accounts at other banks. I also realized I can catagorize transactions, thus showing me exactly where our money goes each month. It must be similar to mint.com. I like the simplicity of it! Very exciting for me as a math nerd. Smile I'm curious. Does your bank offer this? Do you use it? Has it helped you?

NSM Update

March 16th, 2011 at 07:30 am

Tuesday I bought a book for the birthday girl on Ebay for $3.94, but had a $3 balance in my paypal account, so only $0.94 came from the checking account. I also made it to the grocery store. I will admit, I bought some wanted, but not needed, snacks. Part of the grocery purchase included conditioner and dish washer detergent.

Beginning Balance: 457.89
Groupon Purchase: (15.00)
Grocery Purchase: (45.59)
Fuel Purchase: (54.49)
Grocery Purchase: (24.13)
Ebay Birthday Purchase: (3.65)
Toaster Purchase: (26.37)
Grocery Purchase: (19.37)
iHerb Purchase: (1.68)
Grocery Purchase: (4.62)
Gift Purchases (19.36)
Grocery Purchase (34.93)
Account Interest $0.07
Cat Food Purchase: (28.61)
Fuel Purchase: (52.21)
Coffee Purchase: (4.99)
Addition of Funds: $500.00
Previous Balance: $622.96

Grocery Purchase: (83.55)
Ebay Purchase: (0.94)
New Balance: $538.47

I think today just might be a NSM day. I'll let you know tomorrow!