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Archive for November, 2016

End of November Challenge

November 30th, 2016 at 03:43 pm

I wrote a lengthy post and lost it all! I should've copy the content before I tried to post it. I can't stand when that happens.

Long story short, we had a $1,076 budget surplus which I swept to the savings account as well as a $350 still remaining in the checking account. I will not attempt to do another challenge in December but I will try again in January. Overall, a great month for savings. I had 7 no wants spending. I really wanted to have just 5 days but I guess that's not too shabby.

Help us make a decision

November 28th, 2016 at 05:21 pm

My husband's truck, a 2008 GMC Canyon, it's worth about $10K. It has very low mileage (about 35,000 miles). We are paying full coverage insurance for this vehicle. Do you think it's worth keeping full coverage on an almost 10 years old truck? When is it appropriate to just pay liability insurance? The truck has been paid off for quite some time and it's in excellent condition.

Any advice?

Update on November No Wants spending

November 21st, 2016 at 06:26 pm

No spending Sunday nor today. It looks like Tuesday will be another no spend day. Wednesday, however, I will be spending money on some "wants" about $35. I got off easy this year in terms of Thanksgiving. I'm in charge of bringing the sodas as well as cups and dessert. Everybody likes my cupcakes, not sure why, I make them from a box. I do use eggs at room temperature and I do not over bake (over brown them).

I already set up an electronic contribution to my Roth IRA to meet my monthly goal of $650. Feeling really excited about reaching the full contribution this year.

That's all for today. For those of you in the United States, Happy Thanksgiving to all of you. I'm definitely thankful for all of you!

Days #16,17 No Spend November

November 17th, 2016 at 05:15 pm

No spending whatsoever yesterday but today I bought breakfast. I was so lazy and tired! Frown I also bought a book of stamps but I consider this a need; bills need to get paid and Christmas cards need to sent. I still pay some bills with a check.

Total savings between Roth IRA and savings account: $850, I could've done a little better but we changed the back door and the screen door last month and yesterday my brother-in-law came to pick up the check for his labor, $575. He also did some plumbing repairs in the kitchen.

Looking forward to a 2 1/2 work week next week.

Day #13/14/15 November No Spend

November 15th, 2016 at 10:28 am

Days 13 and 14 were "needs" days (gas and groceries). Today, I'll have to go to Aldi but hubby and I also went out to eat breakfast together. I'm down two days of the five days allotted for "wants" spend days. Overall, I feel it has been a successful firs two weeks of this challenge.

It was also pay day for our family. I contributed $300 to my Roth IRA and allocated a nice amount to savings. I also paid a credit card in full.

How's your week going?

Day #11/12 November No Spend

November 12th, 2016 at 09:52 am

As mentioned before, I knew that day 11th of November No Spend Day was actually a spend day, but I'm happy to report that I only spent $16.45 after using the credit card credit.

Day 12th today will be a no spend day. So 10 No Spend days this month so far.

Day #10, No Spend November

November 10th, 2016 at 06:11 pm

No spend day at all.

I have a plan for tomorrow which will definitely will be a spend day. I have a $125 credit in my Chase Slate credit card and I will be using it to buy some groceries, beer and parking at the airport. I think the $125 should cover all of it.

I am recording the $125 as added income this month since the credit card was paid in full last month.

One last thing, I am worried that we've not heard from ImaSaver and Laura (Nebraska).

Day #8/#9 of No Spend November

November 9th, 2016 at 06:14 pm

No spending, no wants and no needs on Day 8 and 9 of No Spend November. I expect Day 10 to be the same but on Friday I will have to buy some food items, airport parking and beer for hubs. I decided that his beer will have to be purchased because this is the only money he ever spends. He is such a low maintenance guy and helps me out so much that he is deserving of at least have something he enjoys. As it is, he compromised on drinking some specialty beers he had on hand to help me gain momentum.

Is anyone having problem with TickerFactory.com? It's not updating my information for a while now.

Day #7 of No Spend November

November 7th, 2016 at 05:48 pm

As expected, I paid $20 to continue participating in the Lottery Club at work. My biggest fear is not participating and the club hitting the big one!

A victory, however, was the fact that I turned down a Krispy Kreme donut fundraiser at work. That would've been another $20 spent. I also check my expenditures for last month and by the first week of October, I had already spend $60 on "Wants". Oh well, I'll keep working on it until November 30th.

How was your day?

Day #6 of No Spend November

November 6th, 2016 at 03:27 pm

No spending today at all. Tomorrow I will not be home until late at night so I left dinner prepared in the fridge to avoid eating out. This week I know I will have at least one day of some spending ($20 for Lottery Club at work. The goal is 25 or more days of NO WANTS out of the 30 days in November. The less the better, of course.

Day #5 of No Spend November

November 5th, 2016 at 04:06 pm

No spending whatsoever today, Day #5 of No Spend November (only needs, no wants). I almost blew it but I decided against buying Chinese food for dinner. Tomorrow should be another no spend day.

I'm attending a rally tomorrow sponsored by two candidates running for our district's board of education. They'll be food and music; both my husband and I will be supporting them on November 8th.

How's your weekend going?

Day #4 of No Spend November

November 4th, 2016 at 07:31 pm

Another No Spend day today!

On another note, I'm excited to have a three day work week and a four day weekend next week. I'm also looking forward to daylight savings on Sunday and getting an extra hour. It's the time change in the Spring that I dread so much.

No one in my husband's family has mentioned anything about Thanksgiving so at this point, I'm planning on
making a dinner for my family at home.

Day #3 of No Spend November

November 3rd, 2016 at 03:02 pm

A successful third day of No Spend November. Just to clarify, my no spend November means avoiding wants at all cost and just needs. In my household budget a
"Wants" category has an allotted amount of $600, this includes gifts, liquor, eating out, clothing,etc. I hope to have at least $500 left on it. Remember, I'm aiming for 25 days of no spend days this month. I already know that I'll have to spend a little bit of money at least 3 days this month.

On another note, does anyone care about the net worth of any celebrity on this site? I just think there are more important things to talk about rather than net worth of a celebrity.

Day #2 November, No Spend Month

November 2nd, 2016 at 06:48 pm

No spending whatsoever! Shooting for 25 or more days of no spending in November.

November Day 1 No Spend day

November 1st, 2016 at 02:22 pm

I got home a little while back and I think it's safe to say that I made it through the first day of November with no spending outside of our normal household bills!


November 1st, 2016 at 08:43 am

November is my experiment month. I'm trying to save as much as I can for the next couple of years. I want to see if living on my husband's income may be an option for us until I figure out what I'm going to do when I decide to resign from my job. There will be little spending, eating from the pantry and freezer as much as possible and no eating out.

Today is the first day of the gas hike in New Jersey. It's increasing 23 cents per gallon. I read that voters can vote this down on election day by voting No to question #2 on the ballot. Morally, I feel terrible voting it down because I know there are people who will lose their jobs because of it but how much more can tax payers can shoulder the burden?

Let's see what happens!