Contents [ on > off]
Reduce excess crap in your pantry

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: $40

Day 5: Let it Flow (x3)


I have had a lot of questions about not spending lately. Most of them can be answered with the general rules but one thing that I just thought about was what can I do with Christmas presents? It seems reasonable that I could consider anything received in the same classification as the bartering items. Most everyone I get gifts from will get something back from me. The only exception is checks or gifts from extended family. Since sometimes that comes in the form of money, can I spend it? Good question (I thought to myself). The answer: I can spend any money received from people that I don't plan on sending presents to as soon as I put a thankyou card in the mail. Perhaps I will make it even more legit by sending along a jar of jalapeno jelly. Those things are becoming alternate currency around my house!

For the day I spend most of my time helping Leigh out installing a new sink. It went relatively easily as far as sinks go. There were a couple of things that I found to return to Home Depot again. Since I needed to get some things for the sink I used the gift cards to pay for the parts. Since Leigh was going to pay me back for them it was like turning lead gift cards into gold! woo. Crummy part was that somehow the gift card I got the other day only had $7.01... gah! I guess the important thing is that the sink worked out fine. For dinner I had squash calzone thanks to Patrick and Kim. Good trade for yesterday's soup! For dessert, my infamous peanut butter milkshake.

Inventory

Acquired: $13.09@Home Depot, squash calzone leftovers
Consumed: Home depot parts, Some Home Depot credit, sandwich, squash calzone

Daily cash values:

12345678910111213141516171819202122232425262728293031