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No Spend Challenge = FAIL

November 10th, 2010 at 09:15 pm

As soon as I hit the publish button last Friday I knew I was biting off more than I can chew. And sure enough by Saturday morning, I knew this challenge would not be a success.

My 14 year old son had been asking to get a haircut for the past few weeks and on Saturday morning he asked again. I paid for the cut with cash I had from being reimbursed for something so the money didn't necessarily come from budgeted money.

But, we went to In-n-Out ($23.16) on the way home from my daughter's soccer game, I ordered a new cover ($6.94) for my iphone since the one I have is broken and we had dinner out Monday night ($53.90).

We are a few dollars over budget because we went over in gas, groceries, and personal care. My daughter had 2 games this past weekend that were out of town so that took it's toll on my gas budget and I bought stuff at the grocery store that I had coupons for but didn't necessarily need for this week. I also got a bag a frozen chicken breasts at Costco to the tune of $19.99 and even though we will have them for a while it still puts a dent in my budget. At $1.99/pound, I can't get this price anywhere else.

Our personal care budget is over because I did some CVSing and spent more than I should have. I do like to buy things we use with coupons when they are sale even though we might not necessarily need them immediately. I figure I would rather pay as little as possible for stuff we use instead of waiting until I need it and paying full price, however this can sometimes put a dent in our budget as it did this pay period.

So, I will need to take a look at our budget for the upcoming pay period (I budget by pay period) and make adjustments as needed, taking into account travel for soccer and basketball games. I'll also need to make extra efforts to spend as little as I can on groceries.

My no spend week challenge

November 6th, 2010 at 04:26 am

I menu planned and grocery shopped today for next weeks dinners. I have a few more groceries to buy but other than that and some gas for my car, my hope and challenge is to not spend any money for the next week.

Bills are paid and the fridge is almost full so this should be a pretty doable goal, although with 2 school aged kids I never know what expenses will arise. Also, I admit that this will be a challenge but I'm determined to do it because not only is it a step towards spending less but also to getting the MasterCard paid off.