Archive for No Spend Days

April Spending To Date

  • Debt – $40.57
  • ATM Fees – $7.00
  • Grocery – $20.00
  • Fuel – $106.40
  • Utilities – $236.31
  • Entertainment – $11.89
  • Auto Loan – $303.00
  • Student Loans – $292.28
  • Dog items –$511.83
  • Phone – $337.14
  • Dining Out – $152.06

Total – $20.18.48

No Spending Days = 3

The dogs’ category is so high because the dogs had a vet visit that was $295.00. Also I bought a poop-scooper and a set of stairs so my little dog could get up to the bed easier. I went over board this month with going out to eat. I went one night with some co-workers to a new restaurant and a highschool friend of mine had a birthday celebration. The phone category is twice as much as it normally is because it was time renew my contract. I got a new phone and will be receiving a $70.00 rebate, so it will offset a little of the cost. Currently, my main checking account is through USAA and they refund ATM fees up to $15.00 per month, so I will get my $7.00 back.

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February Spending

Here’s how I did for the month:

Auto Insurance – 389.00 (for 6 months)

Auto Loan – 306.12

Cell Phone – 132.43  (Family Plan w/my brother)

Debt – 692.00

Dining out – 54.68

Dogs – 39.69

Entertainment – 75.34

Fuel – 30.00

Grocery – 9.50

State Taxes – 61.00

Student Loans – 272.28

Utilities – 341.83

No Spend Days – 11, Total for the year = 15

No Drive Days – 3, Total for the year = 5

Brought Lunch to Work – 16 out of 16 days, Total for the year = 35 out of 35 days

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Spending Report Dec 22 to Dec 28

Debt – 193.28

Pets – 87.77

Dining out – 19.66

Fuel – 47.00

Gifts – 30.00

External Hard Drive – 110.80

Clothing – 26.00

Household items – 12.83

Groceries – 48.00

Total = 575.34

No spend days = 2 (12/25 and 12/27)

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Spending Report 11-30to12-7

Clothing – $19.38

Accessories – $23.50

Personal Hygiene – $7.90

Pets – $39.28

Dining out – $31.62

Soda – $7.35

Entertainment – $47.31

Fuel – $ 24.11

Office supplies – $23.83

Debt – $372.72

Cell phone – $167.62

Total – $764.63

No Spend Days – 2 (11/29 and 12/4)

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Spending Report 11-23to11-29

Dining out – $24.20

Soda/Juice – $2.85

Debt – $157.55

Fuel – $10.00

Total – $198.52

No Spend Days – 3 (11/23, 11/27, and 11/29)

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My Spending 11-15 to 11-22

Fuel – 32.56

Soda – 9.04

Stamp – 0.42

Gift Certificates – 2.40

Credit Card Payment – 16.00

Dining Out – 12.82

Alcohol – 55.00

Dogs – 5.00

Groceries – 18.49

Total = 151.73

I had two No Spend Days on 11/15 and 11/16.

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What I’ve Spent

Since I finally decided to start keeping track of my spending, in order to start “Debt-Proofing” my life; I’ve realized I spend money almost everyday. It’s usually small amounts, but they all add up. The days I spend the most are obviously payday because payday is the day I pay all my main expenses. I started keeping trackas of Nov. 8th and it’s been tough. It really takes quite a bit of thought to write down every purchase, every bill, every anything, but I’ve been doing it. It feels good to see where all my money is going. I know tracking my spending will do me a lot of good in the long run. I’ve been meaning to set up a budget for so long; and now I’m finally going to.

So far, I’ve only had two No Spend Days. Although this depresses me, I know that the longer I keep track of things, the more No Spend Days I will eventually start to see. Right now I’m just trying to get a handle on tracking where the money goes. But I will keep trying for those No Spend Days. Generally the weekends seem to better canidates for me. This is due to the fact that I’ve stopped going out on weekends. I’d rather spend my time at home with my family and my dogs.

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