November is almost over. This month has definitely taught me alot! Here’s my end of the month review:
General Reflections
- Create a zero-based budget – 100% Success! I don’t think I can ever go back to my old budget. It really helps giving every dollar a job.
- Use a cash envelope system food, eating out, kids, charity, spending money. and myself – 70% Success! I was really good the first half of the month. Having cash vs. credit card curbed our spending tremendously. However, on the second half, I didn’t fill my envelops right away. As a result, I overspent in groceries and struggled to make up for the different the rest of the month.
- Create a weekly meal plan and grocery shop weekly – Fail! I know I should, but I hate doing it. Fun read: Meal Planning is Like Food Prison
- Eat leftovers and try for a zero wasted food – 80% Success Since I overspent on groceries, I have been very vigilant in trying to make sure it lasts.
- Spending fast: buy only needs –Fail – I had 10 days were I brought stuff that I didn’t need.
- Use coupons/discounted gift cards – 50% Success –I did get some good Black Friday and Cyber Monday deals.
- Buy used or second hand – Fail – I didn’t buy anything used this month.
- Goal: 15 no spending days – 100% Success! Final total – 16 no spending days!
- Get invited somewhere for Thanksgiving – 100% Success Except now I want a new house.
I am so ready for December! How did your month go?
I found the envelope system really helpful but I did struggle meal plans at times. I totally get why some people don’t like it. I used the meal plan when extensively when getting out of debt but now I prefer to play it by ear.
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Yeah I am going to give it a try but it’s definitely hard esp since my husband also does a lot of the cooking.
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I hate meal planning! With just the 2 of us, it is easier to go to the market and pick up what we want for that day. We have a lot less food waste now – could also be we are cooking for 2 not maybe 3 or 4!
I want to try a no-spend “adventure” but I don’t think December is the best month to try it. Impressed you had 16!!
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Definitely not December. How about February?
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February could work! I’ll let you guys know!
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I love the no spending idea. I found I was spending money practically every single day. It took me about 3 months of working hard on my budget to realize that there’s not really much that I need and if there is something I need, it can go in the budget.
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Interesting. I need to try 3 months next time!
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Great progress, Grace!! 16 no spend days is FANTASTIC!!
“Food prison”!! bwahahaha!
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