Archive for the ‘no spend month’ Category

Confession: The No Spend Month Aftermath

I’ll admit that I haven’t blogged about my no spend month to a point that is highly suspicious.  I had intended to do weekly updates.  I somehow expected that week one would be the honeymoon phase and by week two I would look like this.

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It didn’t happen.  So what did happen?  I think the truth of it is that I got rattled.  It sounds stupid when I say it out loud (thank goodness I’m just typing.)  I had my food lists and my menus.  I knew what perishables were OK to buy and I felt good.  I think I even adopted a benign almost Jedi- like smile knowing I had no longer a mindless drone targeted by the consumer death star. Cue music.

It started with something small.  Josh and I decided to use a gift card to go to a movie.  It included snacks so we were good to go, at least until we got to the cashier. Eight dollars?  For what?  The movie was only being shown in 3D so it would be an upcharge.  I honestly felt ill.  If I’d been by myself I think I would have gone home.  This wasn’t the plan.  I thought I was in control. After that there were unexpected school fees, a minor repair and getting stuck somewhere for the day where I needed to buy food.  None of these should have been in surmountable but somehow it shook me.  I maintained staying away from most grocery shopping but the dark side offered cookies and I took them.

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It’s taken me a little while to figure out what happened but it is simple.  I have a tendancy to be all or nothing.  I will climb that mountain, achieve excellence in the field of excellence and have those thinner thighs in thirty days.  I grew up in a culture of leadership worship.  You needed to define what made you special. A lack of ambition was a vice.  It made sense. The generation before had had to work so hard to make it that we with our privileges should be world shakers.  I didn’t realize I’d brought so much of that into this.

It seems terribly dramatic for something as simple as a month of strict budgeting but it was more than that.   Once I put aside that this wasn’t a race to be won I took it for what it was.  It was to be a new habit, a new perspective on my relationship to money and food.  It was also a spotlight on my need to validate myself with measureable success. I had to accept that I will not be asked to lead the rebels to live outside of the Empire’s control.  What I will do is take my participant ribbon and give it some respect.  I managed for the most part to use what I had for meals, not go shopping for clothes, except that one bra after a wardrobe malfunction, and find a new source of income.  I wanted something big and finite.  A penny pinched lifestyle is not about an iron control but being able to flex with your situation.  It is also something beyond a quick fix.

So now I am midway through March.  I accept the challenge as a learning time with no pass or fail and I am good with that.  Anyone in the market for a slightly used droid?

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How to have a Successful No Spend Month

Please come in.  Have a seat.  I want to show you some of the plans I made for a no spend month. What?  No I don’t think I’m being too dramatic.  Trust me I have lots of examples of that.  The only way I can alter my behaviour is to be intentional.  Here is what I needed to do.  First I had to recognize my patterns, where I spend and what to do when I feel the pull to my ancestoral stomping grounds. OK yes that one was a little over the top but I know I am going to struggle in two top areas.

First off I am a hunter/ gatherer.  I do not like the mall but I do like to hunt.  I have a favourite thrift store. It is staged every week with new things and i love to explore and find out of print book titles, vintage mirrors or sunglasses.  I drop things off at least once a week and then I swing in just to look.  The paperback books are .50 so what’s the harm? No that was a rhetorical question.

The other weakness is eating out.  I like to have someone cook for me. I like not having to take the time to prep. and cook and just be able to eat.

Neither of these things worked with my plans so I needed a default.  One of the things I did was check out some of the local foraging.  No not portaging.  Foraging for materials to make my baskets, or for alder tree buds to make salve will help with the impulse to search for treasure.  No I do not have access to a canoe or gold panning supplies.  Can we stay on track?

For the eating out I’ve pooled some of my gift cards, or coupons that offer a free anything consumable and will have them as my safety net.

Being invited out to someone’s house is OK as is being taken out but the point is not to continue in my old behaviours.  For me that means not wasting money eating out when I can cook for a fraction of the price.

To have a real no spend month I needed to take stock of my supplies in my freezer, fridge and cupboards.

I needed to plan some meals around the food stuff I already had.  If I don’t have it and I want it I have to learn to make it from scratch.  If I’m missing an item I will need to substitute.  You can barter or swap items with friends or family but try to create some sustainable habits.  For the last few weeks I’ve been writing down our dinner meals to help me come up with quick ideas.  Allrecipes.com comes with a search function that allows you to enter the ingredients you have and ones you do not want.  There is also PInterest for specific food items and accompanying recipes.  With both of those the caution is that you do not know if the recipes will be to your liking.  I am making lists of some of my favourites that match my supplies so I am less tempted to run out and yell my requests into someone else’s window.  No I do not mean a neighbors. No I will not be yelling in your window.  I’m sorry to have alarmed you.

The other thing I will have to do is throw out all flyers before reading them to avoid temptation to get a deal. I will also have to stay off of the auction sites.  I usually go to try and sell but inevitably look at what everyone else is trying to sell.

So here we go.  There is no avoiding the fixed costs of life.  The taxman frowns on that behaviour. It is the variables that are to be frozen with the exception of some perishable items.  These will be listed in advance and the list is surprisingly small.  What’s that?  Yes you are still invited for dinner.  No it will not be foraged.  You are welcome.  Meeting adjourned.

Can’t Afford to Coupon

You have seen this movie.

Slowly the hero enters the darkened passage.  He scans the shadows and suddenly there is a sharp noise.  He whips around to confront the danger.  It turns out to be a cat or an old rocking chair. He breathes a sigh of relief, realizing there was no real menace, and relaxes.  He turns back. Before he can even react it’s too late.  He is taken down by a  claw, a tentacle or an old school mate inviting him to a home sales party. Either way he is hooped.
Welcome to my January. I made it through Black Friday until just after Boxing Day. Even with the best of intentions I got hit with the January desperation deals and I bought things that were nowhere near being on my “without this we will become hobos” list. (This is not meant in any way to be critical of or unfair to members of the hobo community considering that without careful planning I could one day be carrying my possessions on the end of a stick.)  Knowing that I have some financial needs that do not fit in the budget I knew that I needed to take some drastic action to get back on track.

Where do I start?
It means I can’t afford to get great deals. I cannot afford bonus points or couponing, at least for the foreseeable future. IMG_0256 I know. I hear the tense snipping of the scissors and feel the disapproving stares as the coupon clipping continues at a furious rate. Heretic. I know that in the U.S. with double coupon days and stacking you can often go home with free stuff. My dilemma is that I am good with free but cannot afford a deal. I already have enough detergent, hair products, and pasta. A good buy is still using money for things I already have.
I learned a secret at a Mrs. Smith seminar, couponer extraordinaire. She said that most coupons come in three month cycles. If you have enough to cover that time frame you do not need more.  The truth is that I can’t resist the deal so I have to get rid of the flyers before I look at them.  It is just too tempting.
So what do I plan to do now that I have little suction cup marks all over my face from the last tangle with the lure of the great deal?
I am planning a “No Spend Month”. (It is more fun if you capitalize it and put it in flashy little grammar markings. I could have used an exclamation mark but I’m saving that for later.) I have ten days to strategize how to make this a success. I will share my battle plans with you. I’m going to have to get creative if I want to succeed. Let’s go savings! Momma needs a new washing machine.