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Eliminate items you shouldn't have bought

Extreme NoSpend

Remember how I did NoSpend November last year? Well this year I decided to try it in December. There are a couple of reasons for this shift. First of all I had a vacation planned already for November so I didn't want to skimp on it since vacations for me are so rare. The other reason is that while last November was difficult (primarily because of football season) it wasn't as big a stretch to pull off. Christmas is a big spending time and I found that instead of really saving on holiday spending, it could have been differed. So is it really no spend? Tough call. So in that spirit I modified one rule from 09. No Christmas stockpiling.

 

No Change November sprung as a result of things being moved to December. I can now compare it to December as well as last November. I also get a chance to see if I am able to track spending when it is happening all the time. Lets see how it all goes! Also of note, I am changing how I list acquired and consumed. If I acquired a cookie and ate it all in the same day, it will only be listed in consumed. Acquired will only be present for things that make it to the end of the day. The exception to this is cashflow.

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Welcome once again to visitors from Budgets Are Sexy! And thanks to J Monee to posting my story

 

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Unless otherwise indicated you can't spend any expected income.
- Salary
- Wages
- Rent owed
- Established court settlements
- Alimony

 

If you have any bills, you can pay them.
- Credit card purchases from previous months
- Medical prescriptions
- Mortgage/rent
- Utilities
- Cell phone

 

NO spending of already existing money in your possession
- Cash on hand
- Gift cards

The only exception to this is spare change

 

NO stockpiling
- You can't buy gas on the day before it starts unless you need it.
- No loading up on extra food. If you're low on milk that's ok, but you can't buy a dozen frozen dinners

 

If you have any thing owed to you, you can call it in
- Owed lunches/dinners
- Money
- Take someone to court
- Stuff that was borrowed

 

You can sell get money by getting rid of things in your home
- Selling on Craigslist/eBay
- Returning things to Home Depot/Lowes (easy to find for any home owner)
- Unused gift cards

 

You can spend money that is refunded to you in that month
- Credit card cash back checks/ gift cards
- Medical reimbursement

 

Anything that you sell or get refunded must be spent after you get the money back.

So if you submit a reimbursement for medical expenses, or sell something online, you can't spend money in anticipation of getting it. If you submit it and you don't get anything sent to you that month... tough noogies. If you find out someone owes you money, you have to wait until they hand it to you.

 

Gambling is allowed with any eligible money (but I don't recommend that)

 

You can consume anything that you already have
- Food
- Toiletries
- Fuel (if you are a big commuter, consider this to be a utility)

 

You can barter
- Make dinner for someone with your own food, get someone to take you out for dinner
- Help someone out with a chore, get food or something else (not money) in return
- Sell anything you receive by doing chores for others
- Sell anything that was borrowed and then returned to you
- Sell anything for profit that you buy that month with eligible money

 

In the end you can potentially.
- Reduce excess crap in your pantry
- Eliminate items you shouldn't have bought
- Get evened out on things that people owe you
- Get in better shape from walking instead of driving
- Hang out with friends more
- Lose weight by eating more frugally (saving and eating leftovers)
- Eat healthier by cooking your own food
- Best of all, next month you'll have a lower credit card bill

 


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Send any questions to sox@vt.edu | Take a look at a the next day

Check out the other spending pages too!

Cash: $0

Day 1: Snow!


Goodbye credit cards. See you in January.

We had a little snow today which was fun to see blowing around but man oh man was it cold. Yesterday was very rainy but up in the 50s at least. Today was freezing outside and in. Something was up with the air in the office and my fingers were having a tough time finding the will to type. I don't get cold often so that's really saying something. I was my usual forgetful self and missed a free breakfast. Aaron was nice and brought me back a scone and some fruit that I would have had if I had gone. I ate the fruit after my yogurt and hung onto the scone for later. Lunch was a home made turkey sandwich and some snacks at a lunch meeting we had for some faculty in the College of Science. Snacks provided at meetings are allowed by the way.

Dinner was cereal. I had lots of other things to eat but I really wanted Lucky Charms. I got hungry later though so I had a bratwurst which was getting a little edgy in the fridge. Watched some tv including a good but sadly lost VT basketball game. Overtime is always tough. Good effort though. I had plans to seal up windows too but basketball won. Most of the screens are shut up though and I found all the Peel n' Seal (actually has the n' in the title) caulk too. It's hard to find sometimes so I bought extra last year. Let's see.. what else did I do... Oh! Pretty critical thing is that I went to the Discover Card site and I had a little under $150 in cash back I can get. Unfortunately they only let you get withdraw in 50's but they do a direct deposit. Hopefully sometime Thursday or Friday I'll see $100 drop into my account.

Inventory

Acquired: scone
Consumed: yogurt, tea, turkey sandwich, fruit cup, cheese and crackers, cereal, bratwurst, cookies

Daily cash values:

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