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Eat healthier by cooking your own food

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 previous or the next day

Check out the other spending pages too!

Cash: $16.91 (-$2.29)

Day 30: The Big 3-0


Since I recorded Back to the Future 3 last night so I decided to knock out one more Santa gift while I watched it. Mom made me another naan pizza for lunch (I'm going to have to start making them at home) and I worked on a couple of cookies. Instead of back to back driving days I decided to wait until today to come back to Blacksburg. I really liked being able to stay with my family for so long. It's a very rare thing to get so much time off without having to worry about returning to a pile on my desk. I did have lots of fun things to work on at the house though between computer things, cooking, fixing up windows and assorted other fun. The car was all pretty easy to pack since it was just me and Liza.

With that all set I headed home. Did I mention that dad filled my car up for me? Always appreciate it when he does that but it's doubly nice when I am not spending that month. I've been listening to free audio books from LibriVox.org when I drive. Lately it's been the Wizard of Oz books. I highly recommend checking them out. They keep getting weirder and weirder. In the one I'm listening to now is The Tin Woodman of Oz. For those that don't know, the Tin Woodman had his axe cursed by the Wicked Witch of the East because he was in love with one of her munchkin slaves. As a result he kept cutting off his body parts and each time had them replaced by a tin one. In the end he was all tin. In this book he ends up finding his old head and has a conversation with it. So yeah.. good mindless listening material for long drives.

When I got home I noticed that my outdoor lights were on, so I hope that they weren't on 24/7. The house is a wreck, so I cleaned some, ate some, and rested some. Tomorrow I will likely do the same but far more emphasis on the cleaning.

Inventory

Acquired: gas
Consumed: $2.29, yogurt, naan pizza, peanutbutter crackers, soda, gingerbread, chips, leftovers

Daily cash values:

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