Contents [ on > off]
Get evened out on things that people owe you

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.

[click here to turn the rules off]

 

 

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

 

0 days remaining

1 2 3 4
5 6 7 8 9 10 11
12 13 14 15 16 17 18
19 20 21 22 23 24 25
26 27 28 29 30 31

 


 

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

 


[ click here to turn the rules off ]

 

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

Check out the other spending pages too!

Cash: $92.54 (+$76.01)

Day 16: Watch it Grow


Today was a wintery mess and as a result I was able to help out a friend via my lovely old truck. In return I was given gas money which is rather good when you think about how much gas a 86 F150 uses up in 4 wheel drive all afternoon. I wouldn't say that I made a profit as much as sold off my gas. I also made a video of the snow and unfortunately I dropped $10 out of my pocket when I took out my camera. I am still holding out hope that I will find it somewhere, but I'm chalking it up as gone.



Lunch was a (dirt cheap) favorite of mine ramen + eggs + mongolian fire oil. So tasty. Partick shared in lunch and provided a dinner of palenta in return which had some of my linquica added in. Man that was good. Before we had dinner Patrick and Kim joined me in going out to see Eric and return some movies to him. We also borrowed Tron and gave him a loaf of bread. There was a Kroger stop for some chicken stock after followed by visiting with Emily and Melissa. Gifts were dropped off at this point which were well appreciated. Of course the evening was spent watching Tron. Fun movie. I wonder how the new one will be. OH! and Dacia dropped off the money for pies too!

Inventory

Acquired: $86.01, Tron (borrowed)
Consumed: $10 dropped (grr), yogurt, gas, soup, palenta, linquica, bread, gifts given, annual leave

Daily cash values:

12345678910111213141516171819202122232425262728293031