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Posts tagged with: No spend week

Hope’s Anticipate Spending – Week of 10/5

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I’m afraid these posts are going to get a bit boring during this month of no extra spending. But to keep me accountable, I’m going to keep publishing them.  This upcoming week will be our first with no after school practices, no games and only one day of gymnastics. It’s going to be our new normal for a while.

I’m excited.

Anticipated Spending

DescriptionAnticipatedActual
Income *after taxes$1,464
Gas($35)
Gymnastics($100)

Total$1,329

I’ll be honest, I’m looking forward to the downtime. And I’ve decided not to plan anything for this first week during our after school hours and just follow the kids lead. They may need the time to decompress after such a busy couple of months. But rest assured, at the first sign of boredom, this mama has got a list of fun stuff we can do at home for free!

Is it bad that I’m excited to just have some chill time? Looking forward to lazing around, just a little bit!

Family Celebration

In regards to the family celebration, I appreciate everyone’s suggestions on my post last week. We are going to celebrate on either Monday or Tuesday this coming week (waiting on Sea Cadet’s work schedule to decide.) It’s fall break for the public schools so Princess is home those two days.

I’m working on a personalized gift for each of them. This will be the something they get to keep. Our family experience (fostering and adopting) affected each of them in a different way. They each had a unique perspective and different things they had to overcome as we blended our family. I want to highlight and celebrate that for each of them.

Are you coming to a break in your schedule like we are, in between sports seasons? Or are you still full steam ahead? Do you have a unique family celebration you do? What does that look like?

 


No Spend Week

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This week, I have officially declared a No Spend Week!

I get paid on Friday and, although it’s a 3-paycheck month (woohoo!!!), I’m really trying to tighten the purse-strings, in general. Also, the recent A/C outage made it painfully clear how close to the edge we’re living in terms of our finances and I am really craving the financial security of having a little Emergency Fund.

I just got back into town after being gone at a work conference. Luckily, all my major expenses were paid by work (lodging, transportation, conference fees, and breakfast/lunch were provided by the conference). But I still had to pay for my own dinners for 3 nights in a row and though I kept my spending pretty minimal, I was really hoping/trying to cut my eating out budget this month. Being gone and forced to eat out for 3 nights (plus airport lunches during travel days) puts a wrench in that whole plan.

Thus…..the impetus for a No Spend Week.

No Spend Week Rules

I am allowed to spend money to pay for our normal bills (e.g., electricity, water, etc).

I am also allowed to spend money to pay for our scheduled debts (e.g., our due dates are this week for the IRS, 1 credit card, and Navient).

I am allowed to spend money for required transportation-related expenses (e.g., I’m almost out of gasoline and will need to refill before the week is up).

I am NOT allowed to spend money on anything else. Period.

That’s easier said than done. Especially given that I’ve been out of town for 4 days now, and we could desperately use a trip to the grocery store. Even so, we have a lot of food in our pantry and freezer and I know that if I get creative I can piece together some yummy meals for the family.

Looking Ahead

This month is projected to be pretty good on the financial front. Not only have we gotten some of our spending in check, but we should even be able to save up a decent amount for an EF. The third paycheck certainly helps, too, but I’ve got specific plans for it.

I put together a budget for the immediate future/moving forward. I know it’s desperately overdue. But I’ll leave you in suspense for another day (or two) and just tell you to check back. It will be up soon!

~Ashley


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