Seriously need to stop going to Home Depot

The Plan

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.

 

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

 

[click here to turn the rules off]

 

 


 

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

 

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

 

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

The only exception to this is spare change

 

4) 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
- No Chirstmas present stockpiling unless you would have bought it ahead of time anyhow.

 

5) 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

 

6) 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

 

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

 

8) 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.

 

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

 

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

 

11) 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 ]

 

NoSpend December 2010

EXTREME NoSpending. Game on!
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Cashflow: $101.03




NoChange November 2010

To see what my savings really were, I wrote up a month of normal spending. Check out how it compares to last year and next month too. What a huge contrast!!

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Funds: $1612.36




NoSpend November 2009

It's not the first time I did a NoSpend challenge, but it was the first one that I recorded. Sometimes it helps to know that someone is watching!

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Funds: $157.2