Anyone interested in having a "No Spending" January with me!? After looking over my budget for December and realizing it was hemorrhaging- i need to start this new year off right! I am trying to kick my apparent multiple times a day coffee runs (yikes it adds up fast!) and my weekly Target trips (what am i even buying???)
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YES...hubs and I are closing on our house mid-January and need to save ALL the pennies, especially since we spend a lot on dumb stuff, like eating out and random unnecessary stuff from Amazon.
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Yes! Big changes will happen to DH's 'career' mid this year (that will for sure lower our income) and we're planning to have #2 sometime in 2017, so I need to really tighten up too!
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@MediaNaranja: amazon too! What am i even getting????
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count me in! i want to cut out all eating out and stuff we don't need!
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Here are the official unofficial rules: (as copied from a previous version of this!)
1) This will take place ALL WEEK long!
2) What can you NOT spend money on?
Generally speaking anything that will fall under your "fun money/allowance" category:
Starbucks (coffee), lunch, target trip, a soda from the vending machine, etc.
Grocery shopping and house improvement purchase do not count! But picking up a bag of chips or a hanging basket you don't "need" does!3) Because life happens we're given one "freebie". This could be a lunch or a cup of coffee in the morning, etc bc you were just running late or perhaps had a meeting.
4) Generally speaking, shower, birthday, holiday, anniversary gifts, etc for other people are exempt!
Let's check in with each other throughout the day and I will def check in every night! Don't admit defeat before even starting! If we can't do it all the way this week, aim to do better next time!
HAPPY NO SPENDING!
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@cheert16: Yes, Amazon!! We have Prime so I'm always ordering things from my phone as they pop into my head. I see the UPS guy more than I see my parents.
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@My Only Sunshine: right?!? its always stupid stuff too- that we totally didnt need!~
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This is a great idea! I'm sure I'll slip up, but I'm going to do my best!
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I'm in. Baby is due in February and we want to get on track before then.
A lot of our spending happens during the week, so that is where I want to focus. We have a few activities planned already for the weekends that I don't want to cancel.
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I'm interested. Great way to start the new year.
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gah, this is hard because of multiple trips, my and DD1's birthday in january, but i want to take part because we want to buy a house this year and it adds up!
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I'm in. We have some home projects coming up and LO #2 coming this summer.
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@TemperanceBrennan: i think it would make a difference if you even did this just during the week!
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@cheert16: It totally will! I eat out for breakfast and lunch and shop during my lunch break WAAAYYYY too much.
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A pantry challenge always happens for me in January! I usually take stock of everything in our freezer and pantry and meal plan around what we have and just shop to fill in the gaps on the plate. The last time we did one, we spent under $100 in groceries!
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@gingerbebe: Ohh! thats a great idea! I am going to do this too!!
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Ah! If I didn't have a Perfectly Posh party scheduled I'd be all over it
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I want to commit to only going out to dinner (or grabbing carryout) twice in January. This is where so much of our money has gone lately.
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@cheert16: this is awesome! I'm in but gosh this will be so hard!!
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I'm in! I don't need anything at target because I'm stocked up on diapers, that place is such a trap!
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@littlejoy: Us too.
I'm in. I start a 3 month leave next week, so that could either help or hurt, but we've spent so dang much at Christmas and two of the kids birthdays are in February.
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Count me in! We plan to start using YNAB again... Hopefully that will help keep our (MY!) spending in check!
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I'm totally in! Got DH on board too
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I wish there was a No Spending March instead! All the best deals are out in Jan
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Ooh I like this! What about gift cards- like, if I got a Starbucks gift card for Christmas, can I use it?
My church pastor recently did a ONE YEAR spending fast. He bought nothing that wasn't essential, and if he did need something he made sure it was secondhand. I'd like to try something like that too! -
@gingerbebe: I want to do this too!
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I'm in! This should hopefully be easy for us now we live in the middle of nowhere without stuff to tempt us. Except the internet
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@gingerbebe: Love the pantry idea. We're moving this spring and I want to use it up!
I'm in for the month! DH is finishing his last year of med school and then we head in to residency. I'm a SAHM to save money, and we have to save more more more.
Coffee and take out will be the hardest to cut, but I'm hoping this will show me how little I need those things really.
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@gingerbebe: Organizing the pantry is on my to do list. Going to make it happen this weekend and try this out.
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I am so in! Would love to do this more months this year as well.
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I am totally in.
Our budget is a mess. I need to get back on the YNAB bandwagon.
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@gingerbebe: That is a great idea!
My freebie is gone today. Before this challenge I brought some cash to buy lunch today because I didn't make myself a lunch.
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I would love to do this!
I am so guilty of buying stuff from amazon on a whim
And my 2nd biggest challenge is going out to lunch. I work at the same company as DH so we always go to lunch together for "date" time, but that easily runs us $15-40 each time we eat out. If we can stop that, we'll easily save $300 per month.
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I would join but we are still in buying-mode for our addition: furniture, rugs, curtains, lighting, etc. putting it off a month won't help because we can't really get around the need!
And my 2nd biggest challenge is going out to lunch. I work at the same company as DH so we always go to lunch together for "date" time, but that easily runs us $15-40 each time we eat out. If we can stop that, we'll easily save $300 per month.
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