Showing posts with label spending fast. Show all posts
Showing posts with label spending fast. Show all posts

Wednesday, April 17, 2013

Day 109: I should probably cancel my Nordstrom card now.



Yesterday, my dear frugal manfriend and I had a very productive day. We both had the day off work, so we went to the bank, gave his apartment a SERIOUS cleaning, he did all his laundry, and we went grocery shopping. (AND I was spoiled with homemade lunch and dinner...what?!)

Walking through the parking lot of the grocery store, I was having yet another meltdown about my life falling apart and how I'm not making enough money and...basically, being a brat.

He just smiles at me and says, "Don't worry about it, babe. You'll be fine. We're an ALDI family now!"

To which I whined, "But I want to be a Nordstrom family again!"

Sigh...I'm trying, but at least one of us has a sense of humor about all this.

Sunday, March 31, 2013

Month 3: Complete


 
this little mama is my favorite face and is wearing my favorite new headband in the shop!

Ok, so this month I save ZERO dollars. I was expecting it. Truthfully, I stopped tracking my money activity after my Vegas trip...
I'm sure I've actually spent more than I brought in this month. There's was a tiny bit of extra income with a couple sales from my Etsy shop and a Save the Date photo shoot, but nothing substantial.

Oddly, I don't feel as defeated as I probably should. I realize that I'm trying to correct bad spending habits that have been all I've known for 27 years!

Anyway, tomorrow is another day and begins another month!

Hope everyone is having a Hoppy Easter and a great Spring!

Wednesday, March 27, 2013

Day 87



I had to buy a new pair of jeans yesterday. I had been avoiding it because A. new jeans do not fall into the Needs catergory of this Spending Fast. And B. I wanted to lose weight before I went and bought myself a new pair of pants.
But unfortunately, it's been so long since I've been pants shopping that this month 3 of my 4 pairs of regularly worn denim have ripped in the thighs (YOU know, the spot where a chubby girl's legs touch when she walks...bah!)

Usually, I wear my "Lazy Girl Chic" uniform of leggings or yoga pants and an oversized shirt, but every once in a while you need to be able to put a presentable outfit together.

SO with my Target gift card in hand, I found myself a decent, inexpensive pair of black jeans. A totally boring, PRACTICAL purchase to make with my birthday gift card...but necessary (I swear, my pragmatic manfriend's sensibility is rubbing off on me far more than I'd ever care to admit.)

Now I'm wondering what do I do with the ripped, but not ruined jeans?
I could try to work some Pinterest magic on them and make them into some cool, ripped shorts.
Or maybe just hang on to them as loungy, lazy day pants. Or "painting" pants?
I can't donate them and throwing away a pair of Hudson's seems sacrileg!

Realistically, they're just taking up closet space right now. What would you do?

Monday, March 25, 2013

Whoops! (unintentional 2 week hiatus)

I'm the worst. Sorry! I have not abandoned you all! I have, however, accidentally abandoned my Fast, my diet, the gym, and any sort of routine I had for the past two weeks! EEP!
But I'm back, so you can all relax :)




In case you were wondering, Las Vegas is not the spot to go if are trying not to spend money. I repeat. STAY AWAY FROM VEGAS.

Now, this vacation was planned long before my Spending Fast was even a thought in my head. My brother was turning 21 and our family always celebrates the big 2-1 with a trip to Sin City! So I saved a few hundred bucks figuring that should be enough cash to avoid a trip to the ATM.



WRONG!
Oh, boy was I wrong. I spent more than double what I had planned. I felt like a dog that had been let off her leash for the first time! Seriously, out of control...

I bought:
... A million drinks + A million coffees= An empty wallet and heartburn
... So many (unnecessary) rounds of shots
... Cute (and sparkly) sandals so I'd stop whining about my aching feet
... 2 buffet dinners (that's 2 more than anyone needs to eat in one weekend!)
... Big, sugary, colorful drinks that have hangover written all over them
... Candy...whhyyy
... Gambling... (I don't even like to gamble because I don't enjoy the feeling of handing my money over and receiving nothing in return. I may as well just throw 20's into the wind. But I just had a feeeeeeling this time :/ )

So, even though there are a few days left of the month, I can say with 97% certainty that I will be writing ZERO in the "Saved" column of my March spreadsheet.


my sister and I with the p's minus the birthday boy. 







Happy birthday, little bro! Hope you had a great time...even if you don't remember most of it!

Friday, March 1, 2013

Day 61: Month 2 COMPLETE!



So! The results for February are in!

This month I saved
$581.74 !!
*happy dance*

February was a tough month. Like, a REALLY tough month. As I mentioned before, there are so many birthday celebrations and Valentine's Day...and it was easy to let the rules fall by the wayside. Especially when wandering through the dollar store and around every turn is something sparkly or covered in chocolate.


If I'm being honest, with myself and you, I was pretty loose with the guidelines.
I took almost $70 in cabs...and only one of those trips was actually necessary. I went to the bar, a few times. And I signed up for an expensive gym.

Anyway, with the saved money, I'll be paying an additional hundred dollars to my credit card which has the highest interest rate of all my loans. Rather than make an additional payment to my student loans this month, I need to set some money aside until I find myself another second job.

Until someone decides that paying me to socialize and eat donuts and blog from about 11am-2pm everyday will be beneficial to their business, I need to stash some emergency cash for a bit.

If anyone hears of any job descriptions that fit...you know where to reach me..

Wednesday, February 27, 2013

Day 58



Most of this Fast has been pretty sucky.
Don't get me wrong, it's kind of an adventure to find new ways to save money and it's had some fun moments.

But for me it's mostly been a lot of misadventure. (Like, buying energy drinks and calling them 'groceries'. Or giving people homemade gifts in hopes that they look 'thoughtful' rather than 'cheap'.)

Counting pennies is tedious. Staying in every weekend is boring. My bank account is just screaming, "It's GAME TIME! There's so much money here! SPEND it!" Sigh. I'm not feeling sorry for myself because I obviously signed onto this on my own accord, I'm just whining.





I'm sort of dreading doing my calculations tonight because I know I didn't save nearly as much this month as I did in January. But this is a learning process. And what I'm learning is that, well, not spending money is tough. It takes a lot of thought and planning. And a LOT of Pinterest "research."

Monday, February 25, 2013

Day 56: T.R.O.U.B.L.E




Besides being difficult and completely overwhelming, my Spending Fast is also pretty selfish.
I took it upon myself to make the decision to just stop spending money. Everything revolves around me. How I'm going to get home, what I'm going to eat, how can I get this or that, my wallet is empty....

I, I, I. Me, me, me.
I imagine I sound like quite the nightmare.


I didn't think of anyone else when I committed to this. Before I stopped spending my money, I should have at least had the decency to run it by the one guy that I spend the most time with! He spends so much on me. He gets me dinner, he gets my drinks, he buys my cabs home. Essentially, while I'm cutting my spending in half, his is DOUBLING.

I try to carry my weight by making dinner or cleaning his apartment while he's at work, but I realize it's not necessarily equal.
So after a number of tense nights and quite the argument (and an apology burrito), I've decided that for the sake of my relationship I need to set aside an envelope of cash at the beginning of the month. We can use it for drinks or the movies. Whatever we want.

Since one of the objectives of this Fast to focus on nurturing relationships, I'd say the boyfriend's good mood falls under the NEEDS catergory. Wouldn't you agree?

Monday, February 18, 2013

Day 49!

Can I vent for a sec? Yeah? Thanks!

SO, in January I switched electricity provider's to one that is more cost-effective. Because, well, duh. Wouldn't you?
And then, these past two months I've been living like a little Eskimo girl in my apartment to cut costs on my electricity bill.
Seriously. I've been going to sleep wearing thermal underwear, two pairs of socks, a scarf, and sometimes (ok, MOST nights) a hat. It's prettayprettay sexy.
Or I stay over at my manfriend's house where I trade my lack of heat for his stinky bachelor's pad. Sigh...

keeping warm in my newly crocheted pompom hat!

Yet somehow my bill last month showed that I used 911 kilowatts of electricity in my < 400 sq ft apartment! And this month I was even more conscious of my electricity usage than I was in January...and I still somehow used over 750 kilowatts. (This is roughly the amount a small business would use for a month.)

I'm just baffled. And frustrated. And COLD!
Anyone have any suggestions? I realize that it's only logical that my bill would be higher in the winter months, but it has nearly doubled from December to January.

rant over




Anyway! Everyone keep your peepers open for a link to my new Etsy shop in the next week or so! I'm so excited to be able to share my new custom made crocheted accessories!

Thursday, February 14, 2013

Day 45: Valentine's Day



Happy Valentine's Day, all!! 

Today I wore red pants with a pink shirt with pink lipstick...because no one was around to tell me I couldn't. :)
I'm crazy about any holiday that is centered around love and sweets! I spent the day with my favorite little people and the evening with one of my extra special lady friends, a bottle of wine, and a hot ham and cheese. (I know, I know...I'm wild.) And, I'll admit, I had enough sugar I'm sure to forget that I'm really struggling through February.

As I am Fasting at the moment, today should have cost me zero dollars. However, what is it about this month that makes it feel twice as long as January!? Seriously, it's only two weeks into the month and I somehow convinced myself that I needed Valentine's day cookie cutters, colorful icing, and more yarn.

I did manage to do some DIY gifts for today though! I made my girlfriends some fancy mini heart shaped cakes with ingredients I already had on hand and crocheted them two headbands each....in festive, colors of course!

I also made homemade cards which, according to my mom, is still acceptable past the age of 7! Thank goodness!

Tuesday, February 12, 2013

27!

See this adorable little girl below with the sweet fashion sense?




That's me! And she turned 2-7 years old today! An uneventful age, I agree...but celebrating, getting presents, and eating cake will always be fun to me, no matter what my age!

 Anyhoot! I had a lovely birthday dinner with my family on Sunday night where I was spoiled like crazy! (Hellooo, the ever important boots I mentioned earlier! A plant that I can't kill...and isn't plastic. AND a Target giftcard! They know how to read a wishlist! ;) )

Today I tried my best to behave! But it IS my birthday, damnit. I bought a fancy coffee after the gym -Sidenote: after the gym I spent the rest of the day curled up with my guy because I got my ass handed to me in class. I feel like I turned NINETY seven today! 

 ...and spent 17 bucks at the bar. I wrote it down in my book...but I may choose to overlook it at the end of the month...
Due to the birthday law.
That's a thing, right?

Tuesday, February 5, 2013

Day 36

Hi all! Sorry, things have been a little quiet here this week...mostly due to having a bad weekend. Pennywise, at least! It's pretty embarrassing to have to fess up when I slip up. Otherwise, life is great! Thanks for asking :)




Ok, so you know how when you're on a diet and you'll sneak maybe, 2 chocolate kisses? Then somehow you go ahead and think to yourself, "Well, this WHOLE day is ruined now! I may as well have extra cheese, dessert, AND a regular coke."

Yep, that was me this past Saturday. Long story short, I left my wallet at work on Friday leaving me with no money, no bus pass, and no Zipcar card to get to the suburbs for a baby shower.
After cursing myself for being a giant dope, I trekked my butt the mile to work (in heels!) Then, without a second thought, hailed a cab! I had 25 minutes to make my train and was really left with no choice...except to maybe go back in time and not be so irresponsible with my stuff.

SO! A day that was supposed to cost me a 7 dollar train ride ended up costing me $40.95! Because after I had already spent 20 bucks to get the Metra I figured, "I paid for one cab today. What's one more?" This is also a perfect example of how I diet. Selectively.

Anyway, here's a couple of shots of the blankie I made for baby Laila!




Friday, February 1, 2013

Day 32

Hello! Welcome to Month 2, Day 1! And the first purchase I made for the month was...BACON.



What?! I'll have you know, as much as I like bacon, I never buy it. And once I started making it today, I realized I had never even made it before! (Yes, I did have to read the package to make sure I was doing it right, if you MUST know.) It's like I'm not even American or something...

Anyway, it was a necessary purchase because today I was working on a new recipe that I'm calling the Shortstack. Old fashioned donuts made with bacon and maple syrup glaze. Yum! 
Well, they would have been yum...if I hadn't had blown a fuse causing the oven/stove to go ka-put. So unfortunately, this recipe is To Be Continued...





PS I just so happened to have a gift card with a few bucks left on it...so the bacon was FREE. Boo-yah.

Thursday, January 31, 2013

Day 31: Level ONE Complete!

I did it! This has probably been the longest month of my life, but seriously, who's excited!? I'M excited!
I definitely had some minor slip ups this month...but I'm very happy to report my results.

For the month of January, I have saved
::drum roll please::
$656.75!

What the what! 

http://i.imgur.com/8CA0C.gif





It's more than I would have ever imagined...mostly because I wasn't expecting to make it into the second week, let alone all month long!

This money is being used to make an additional $409.88 payment towards a student loan. 
Also, I'll make a $100 payment to my aunt who loaned me money for a car (so long ago. it's embarrassing.)

I'm making a $300 payment towards my credit card this month, however that money will not be coming out of these savings. 
I've been throwing ALL of my change into a big plastic jar for the past year and calling it my "Vegas Fund." We're taking a trip to Las Vegas in March for my brother's 21st birthday and since vacations don't fit into the Fast, I intend of using just the collected money to pay my way.
I had to put my plane ticket on my credit card (MAN it's expensive to try to be a jetsetter..) Now that the jar is full, I'll cash it in, pay off the tickets, and put the rest into savings until March!



Let's go ahead and address some things that need to be worked on in February (also known as the never ending birthday month.)

-I feel like I can spend probably half the amount I spent on groceries this month. So I'm going to take an envelope and stick 45 dollars in it tomorrow and that's what I have for February's food budget.

-I don't have cable, so I'm going to just cancel my internet connection. I can use the internet at work or use my phone if I need to. That'll save me $52.55/month.

-I spent a total of $5.41 on Starbucks this month. Next month it will be zero. (We all have moments of weakness, people!)

-Somehow, my miscellaneous column is a whopping $161.43! Not.good. That includes a Zipcar rental, a new pair of glasses, postage costs, my photography website, and BEER. Did I really need to buy 2 six-packs of fancy beer for my man's birthday?! It felt necessary in the moment... SIGH.




Anyway! I'm really looking forward to this next month. Hopefully it'll suck a little bit less than January!





Wednesday, January 30, 2013

Day 30




Today is this little lady's birthday!
Happy birthday, mamabear!




(stay tuned folks! tomorrow is the end of Month 1! i'm so excited to share my results!)

Monday, January 21, 2013

Day 21: DIY Coffee Sweetener

We are 3 weeks in today and I've surprisingly not run out of food or coffee yet!
I've been making a real effort to make meals out of whatever I already have in the house. They're usually missing a side dish and are mostly veggies thrown into a stirfry, but are still filling!

I also seem to waste a lot of coffee. I'm sure most of you who live solo can relate. I make a pot, have a cup or 2, then the rest goes down the drain. I started putting the excess in a pitcher and sticking it in the fridge to have iced coffee in the morning, but the result was kind of weak.

Solution: Double brewing my leftover java! Pour the extra coffee back into the machine, grab another filter and fresh scoop of coffee , and voila! A cup'a Joe that'll put hair on your chest.
Here's a quick recipe for a DIY sweetener that'll make your at home coffee taste a little fancier. On a dime :)



Almond Coffee Syrup (recipe adapted from abeautifulmess.com)
2 cups water
2 cups sugar
1/2 tsp almond extract
Splash of vanilla extract

Heat water and sugar until completely dissolved. Add extract(s). Use a funnel to pour into whatever bottle you choose (I used a leftover wine bottle!) Your syrup can be kept in the fridge or left out on the counter.


Next time I'm going to omit the vanilla and add a small tsp of Nutella to make an Almond Roca syrup. After I collect a few more empty bottles, of course ;)

Wednesday, January 16, 2013

Day 16: Waste not, want not.

When I first decided to commit to my Spending Fast and then to write this blog, I immediately went to my very sweet friend Emily because 1. She's one of the most supportive people in the UNIVERSE... Seriously, you should all be so lucky to have an Emily. and 2. She also has less than great spending habits (Sorry to call you out, dude...but the weekly manicure/polish change has got.to.go.)

((during the "good old days" when I mindlessly spent. plus she's cute and I'm vain.))

She was super excited and encouraging, as I expected her to be. Then almost immediately she asked if I could post about how to not waste so much food. (See what I mean? She's a great idea giver and sounding board too!)




So here we are! 3 weeks in and, after doing some Google research, I've discovered some seriously horrifying stats. According to Business Insider, the average American family of four throws away $2,275 worth of food yearly! 

Could I really be throwing away over five hundred bucks a year?!
-Faints- 
Alright, let's relax. As HUGE as that number is, in order to make big changes, we've got to take the first step.


Here's a small list of ways to cut back on wasting food (to be added to as I learn what works for me, of course!)

1. Meal Planning 
We've talked about it before, but it really is an easy way to organize in multiple ways. It helps you keep an inventory of your pantry/fridge, it forces you to make shopping lists for that week's meals, and you can plan for leftovers. If you plan ahead, you'll only buy what you need!

2. Don't buy in bulk
I know, I know. Those savings seem like a great reason to buy the gallon jar of mayo or 10 cans of soup in August! Or even a slightly more reasonable route, like the 3-pack of green peppers. But if you live alone like me, the peppers (or bag of apples or family-sized hummus) are most likely not going to get eaten before they go bad. Then you've actually paid MORE than you would have if you had just gone ahead and bought the smaller package! 

3. Utilize your freezer
Cut up fruit that's getting soft, put it in the freezer, and use it in smoothies! I like to put brown and squishy bananas in there to keep on hand for a quick sweet treat or to whip up banana bread (Ok, so I haven't actuallyyy baked that bread yet, but I have a half a dozen naners in there waiting...) Make big batches of chili, separate into single servings, and freeze!

4. Ignore expiration dates 
This was news to me! Who hasn't done the smell check on week old deli meat? Apparently, expiration dates are more like "Best if Used by" dates rather than "You're Going to Die if you Consume this" dates. I've started looking up questionable items such as milk and eggs. But I've found most items are still perfectly safe a number of days past their prime.

5. Rearrange the fridge every week
Bring the oldest items to the front. Put all the newest items towards the back and you'll run less of a risk of finding a head of lettuce growing a new species in there.

6. Remix leftovers

This is pretty self explanatory, but certainly deserves a mention. Just last week I made a crock pot of shredded chicken and had 3 different dinners. Also, brown rice and black bean leftovers are a staple in my house. Those can be tossed into anything! Also see: Rice&Beans Ideas from Andthenwesaved !

7. Sometimes you have to eat things you just don't want to
I almost never want to open the cans of tuna that I keep buying and sticking to the back of the cabinet. Same goes for the canister of oatmeal I don't remember buying. You have just suck it up, cut the bad parts off the onion, throw those wrinkly cherry tomatoes into a stir-fry, and call it dinner. 




That was certainly long winded! But necessary! 

2 Week Check-in!

It's really easy to save money! ...Er....if you're ok with being anti-social, never leaving the house, and you wear all your clothes until they're rags.

I have to admit, I did slip a bit this week! I purchased a coffee from a coffee shop so I could use their internet and I rented a zipcar instead of taking the train. Somehow 20 degree Chicago weather is so much colder when you have to take public transportation!


Here's a few things I did this week to cut costs:

1. Cancelled my Netflix subscription.

2. Cancelled Weight Watchers online (There are so many free apps to utilize!)

3. Dyed my black pants blacker (So they look new without BEING new.)

4. Brought laundry to my parent's house (Thanks mom!)

5. Walked a mile and a half home when the bus stopped running last night instead of hailing a cab.

6..Ate.so.many.leftovers.

7. Returned a pair of boots (and didn't even look around the store.)

8. Wore a shirt from the back of my closet that I hate. (Laundry day is never ending.)

9. I may have taken advantage of the Manfriend and his brother's generosity.

10. AND last but not least! Listened to this. On repeat!



Saturday, January 12, 2013

Today is this fellas birthday! Yay!


But quite frankly, I've been dreading this weekend since I've taken the Spending Fast oath (you know, "I solemnly swear not to spend a dime...") Sigh.

I love birthdays! Mine AND others! I love picking out the perfect gifts or buying people dinner (or...getting them shmammered.)  So I've been scratching my head all week as to how I could make him feel special without buying him anything.

I started by handmaking him a card. That was a no-brainer. I dug around in my craft box to find some blank accordion style card stock left over from a book binding class. With some markers and sincere words, I came up with something (generic) Hallmark would be proud of :)

I also baked cupcakes for 2. Most recipes make 18+ treats! And seeing as he doesn't have much of a sweet tooth, what a waste that would be. I found this Very Vanilla recipe that was perfect (because what's a birthday without cake?!)

Then I found my favorite book on my bookshelf. After some serious consideration as to the level of tackiness, I found a roll of leopard wrapping paper in the closet, and stuck a bow on it.

I think he was actually kind of annoyed when I pulled his gifts out of my bag, as he knows I'm not supposed to be spending money AND he mayyy have said he didn't want anything.

Until he realized what a clever, cheeky little girlfriend he has! Because as much as I want to share this book with him, he grinned when I mentioned that I would like it back when he's finished with it.

(The book is Just Kids by Patti Smith, by the way! :) )

Friday, January 4, 2013

Day 4: SUCCESS!


After a quick trip to pick up some food for the weekend, I'm feeling quite proud of myself.

Picture this:
I'm pushing a crabby toddler in a stroller while dragging two 3 year olds through a crowded grocery store at lightning speed saying, "Please stop touching. Please stop touching. Boys, I won't tell you again, PLEASE stop touching."

I've got exactly $23 dollars in my wallet and that's all I have to spend on meal food, not treats or snacks. (The old Tiffany would have just taken out her debit card without a care in the world.)

After gathering all my necessities and making my calculations, I see a 12 pack of toliet paper for $4 bucks (over half off!) Plus a 12 pack could last me almost 3 months! Seeing as with all my sale items and my store loyalty card, I thought we might just make it under par.

Unfortunately, that wasn't the case. It was about a buck fifty over. And with jussst a glimmer of hesitation, I grab a box of frozen pasta and put.it.back.

We have to celebrate the small wins, people.

Wednesday, January 2, 2013

Day 2. (free) Laundry day!

Hanging out with these munchkins is free! In fact, I get paid for it. I also got smart and brought a load of laundry to do at work. An easy 2 bucks saved! ;)

I'd like to say that it's usual for me to walk to work and head straight home without opening my wallet, but that's just a lie. Let me tell you how difficult it was having to walk by my favorite coffee shop when I noticed there was NO LINE!


I just put my head down and marched on.