Tag Archives: Saving Money

No Spend Challenge Update

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Even after all these years of doing an annual No Spend Challenge, I have to occasionally remind myself why I do what I do. It requires checking in with my habits and employing my 2024 word of the year. In other words, I REJUVINATE the why and the commitment behind my temporary no spending habits. 

If you’re not familiar with my No Spend Challenge, you can click here to read a recent story and here’s the story about my word of the year.

The fact something is important to us doesn’t mean we can take our commitment for granted. We all sometimes need a boost to keep us on the right path. So far, this month has gone pretty well. 

  • All bills are paid.
  • Groceries have been purchased.
  • Things that are important to me are taken care of.
  • No shopping for entertainment.
  • Eating out has been avoided as much as possible.

In case you’re struggling with your challenge and think I’m bragging about being perfect, let’s take a deep dive into what I’m saying here. 

  • Groceries – I keep my pantry and freezer stocked well enough that I never have to go to the store. This week, I needed specific ingredients for a special meal and I stopped at the store to grab a few needs that were accompanied by some frozen food deals outside my regular grocery shopping.  I didn’t need them right now but stashing them away for cheap now means I don’t have to buy them for full price later. Why is that important? Those dollars saved will mean gas in the tank for a daytrip this summer!
  • Things that are important are taken care of – This is vague, isn’t it? When I went to pick up a rental car last week because mine lost the contest against the deer, they required a cash deposit. This was a need and it was important. I’m gathering items to donate to a thrift store with a cause I support and plan to give them some cash while I’m there. This isn’t necessary but it’s important to me. 
  • Entertainment shopping – This one is the hardest for me because I truly enjoy shopping even when I’m not buying. Antique malls, thrift shops and TJ Maxx all call my name. I don’t think I’ve bought a single thing in a store other than groceries since late December with one exception. I was in downtown Chillicothe Friday night. I long ago made a pact with myself that anytime I’m close to Wheatberry Books I will stop and make a purchase. Even if it’s small, I want to support having a bookseller nearby. This probably aligns more closely with taking care of important things. I gave myself a budget for one book but panicked when I got inside and bought two. Imperfect but that’s ok. Supporting a small business I like is important to me.
  • Eating out – This one is tricky. Technically, I have paid for one fast food meal. That was the day I picked up the rental car at lunch and really didn’t want to wait to eat at home. Nine bucks on a fish sandwich, fries and drink. However, I have actually eaten in restaurants two other times when other people were buying. One was a work lunch and it was a fluke that I didn’t have to pay. Also, I went into this challenge planning to buy a meal out with a friend. However, my handsome fella went with me to meet my friend and insisted on buying. He’s such a gentleman. Otherwise, my tally would ordinarily be much higher. Also, I bought a bottle of water one day because my water bottle was in my banged up car. 

There are things not reflected in the bottom line. For example, I spent a lot of Sunday fighting off the temptation to go antiquing because I was just “in the mood” to go see what was out there. So I spent a lot of that day cleaning in my craft room. This is the place where all my extra home decor, craft supplies and every other random thing gets shuffled around like deck chairs on the Titanic. Truly, the room is awful and is tangible, undeniable proof of bad decisions made over the years. Nothing makes you want to not shop like facing a pile of stuff you have bought. 

I gathered up about 80 things from this room to give away. There’s a large stack of boxes to recycle and a bag of trash to go out. This went a long way toward scratching that itch to treasure hunt outside my home. 

The point of all this is to say that, even after all these years, I still need gentle reminders that I do this challenge for a reason and that the reason is controlling bad habits and cultivating better ones that will serve me. It seems I would have learned the lesson after all these years of repetition. You know something? That’s ok. I am only human after all and sometimes humans need reminding that what’s easy or what we want right now may not be the thing we need or want for the long distance.

A little rejuvenation goes a long way!

Who’s doing a No Spend Challenge? Comment and tell me all about it!

February 1

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It’s February 1 which means the sun has set on my No Spend January Challenge. I’ve been doing this for a few years now and have to say that it gets easier every time. This month was great.

In short, there was no recreational shopping to speak of and I bought nothing online. No books were purchased and it didn’t hurt a bit.

I did hit TJ Maxx this weekend for a gift. However, that was necessary and I didn’t shop for myself. I ate fast food just a handful of times and only when I really didn’t have a choice.

I did continue grocery shopping as normal instead of only buying the necessities like I have in past years. This is partly because I had opportunity to stock my freezer with sale items that will no doubt be more expensive when I need them thanks to rising grocery prices. I also am attempting to clean up some bad eating habits and was sort of particular about foods I wanted to eat.

The other benefit is I spent my free time resting, walking outdoors, reading and doing stuff around the house. I purged and organized, donated some stuff and got the house ready for spring cleaning.

There’s value in appreciating what you have and realizing that all that unwanted stuff was once something you were dying to buy. It kills the urge to go out and buy more.

My plan is to continue the challenge into February with a few rule changes. I have plans with a friend one day and intend to buy my February Book of the Month. I have a haircut appointment next week but I view that as a need.

So there’s the rundown. It’s not very exciting but I’m calling the challenge a success!

A Chili Kind Of Week

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Cold weather calls for soup if you ask me. This weekend I made a small pot of chili but even a small amount goes a long way for just one person. That makes it important to have a game plan for when you’re sick of the chili.

Luckily, I don’t mind leftovers and enjoy the art of reinventing food so that I don’t grow too tired of it.

People who make chili seem to obsess over their recipe and claim to make the best. I make no such claim. Since I don’t eat meat, I use kidney, black and great northern beans along with corn, tomatoes, onions, bell peppers and spices. But not too many spices because I like to keep it mild enough to be reinvented.

I’ll eat some as a simple bowl of chili but then it will get repurposed. Drain off the juice and suddenly it is perfect for taco salad. It also makes a terrific meal on a baked potato with a little steamed broccoli and shredded cheese.

I could use some as a sauce on a veggie hot dog or I could add some elbow macaroni to make an entirely different soup. It will more likely be used for Cincinnati chili before the week is over. If you’re not familiar, Cincinnati chili is not really chili but is a Mediterranean spiced meat sauce served over spaghetti. The Smithsonian named it one of America’s most iconic foods several years ago.

Cincinnati has a rich immigrant culture and this dish is one of the gifts these immigrants have given us.

There are a couple of Cincinnati based chili parlor chain restaurants that specialize in this dish and other local spots that sell it too. The most common way to order it is as a three way which is the meat sauce over spaghetti and topped with a ridiculously large pile of shredded cheddar cheese.

I feel my arteries hardening just thinking about all that cheese.

You can get it topped with beans and onions and everyone seems to eat it with oyster crackers.

My version isn’t remotely authentic but I like it and that’s all that matters. I’ll top mine with some fresh diced onion and a modest bit of shredded Colby Jack cheese. It will be good, even if I am breaking quite literally all the rules. But you know, my house, my rules.

I appreciate foods that can be reinvented so that I’m cooking once and just reworking it a bit later. It’s not always the easiest thing to do but it certainly is possible.

For example, I often roast extra potatoes to turn into a breakfast hash later. Have excess eggs? Boil them for snacks and turn the leftovers into egg salad. Leftover spaghetti can be baked in a shallow pan with mozzarella cheese and your favorite pizza toppings for a type of pizza casserole. Even the humble stale bread takes on new life as French toast casserole. When I still ate meat I would roast chicken and repurpose it into a sandwich, salad topping and eventually soup.

The possibilities are endless and the effort saves time, saves food from spoiling and allows you to flex your creative culinary muscle.

No Spend Month Update

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When you decide to do a No Spend Challenge, the first thing you’ll notice is that everyone is trying to sell you something.

There’s traditional advertising like tv, mail, Facebook and email. Then there’s the person you haven’t seen since high school trying to guilt you into buying bags and soap and plastic containers from multi billion dollar companies.

It’s kind of discouraging the first time you realize your value to the world is as a consumer and nothing more.

When I check email each day, I try to unsubscribe to as much as I can but there are some marketing emails that I find useful when I am spending and don’t want to part with in the future. I just delete these without reading them so I’m not tempted today but can still get the coupons later.

The next thing you’ll notice is how much marketing is designed to make you unhappy with your life. Women’s magazines are enemy number one. They are filled with stories that are glorified advertising telling you about the cream that will lift your eyes, the jacket that will make you look taller and thinner, and the new furniture line that will make your home feel like a spa.

How’s your relationship? Shouldn’t you lose weight? Here’s a complicated recipe to make you feel completely inadequate in the kitchen. Better yet, let’s talk about expensive meal subscription boxes to cater to your gluten free, vegan, paleo or fruititarian lifestyle!

For most, the goal of a no spend month is to save money. That’s a great reason to start. In fact, that’s why I started doing this a few years ago. However, I quickly realized that there is a greater purpose to the exercise.

As the days turn into weeks, I find myself growing more satisfied with what I have and even a little skeptical of most purchases.

THIS is why I do the no spend challenge now. The saved money is nice but the deep sense of satisfaction is the true reward. With satisfaction comes gratitude and a sense of peace that there’s not much you can buy that will make you happier than you are right now.

After all, will that expensive cream really make you look younger?

It’s ok to want things. I like my home to be cozy, neat and comfortable. I want it to look pretty. There are things that I would like to have but few things that will elevate my feelings of happiness beyond where I am now.

When I have a large chunk of time at home, I tend to put down my phone more and gravitate toward projects – cleaning out a drawer or closet can’t be done while reading news. You’re less apt to kill time on Facebook when you’re engaged with something that keeps your hands and mind busy.

I tend to cook more and to use up those odds and ends that somehow accumulate in the freezer and pantry. The creation above is basically my favorite meal of all time – a baked potato topped with scrambled eggs and leftover vegetables that are lightly sautéed. Hey! Don’t knock it till you’ve tried it. It’s tasty and it uses up odds and ends.

But I digress. The point is that these changes in habits make an enormous difference and help you to appreciate that it is not just about the money.

In case you are wondering, it’s day thirteen and I have paid bills but have bought nothing else. I do need a new phone case but that is a necessity to protect my very expensive iPhone from – well, from me because I am clumsy. That needs to happen soon as this one is no longer water proof.

Are you doing a no spend month? Give me an update!

Being Smart About Food

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Earlier this year I figured out a way to shop for groceries every two weeks and to save money in the process. The goal was to have nutritious meals and snacks but to be more strategic about it during a No Spend Month. I’ve held onto much of what I learned because it simply works well for me.

First of all, you quickly learn which produce items last the longest. For example, apples and oranges have a longer shelf life than grapes or berries. So you use the grapes and berries during week one and save the rest for later.

Salads are best enjoyed for the first week while frozen veggies are a nice change for week two. Although, if I’m in the mood for salad, I’ve been known to cheat and stop at the store to grab a few things!

At some point I realized that all my bananas were going into smoothies so I could buy ripe bananas, dice ’em up, and freeze them to be ready when needed.

In fact, many things freeze well. I buy mushrooms for stir fry and flash freeze the extras for later. Lots of foods can be frozen for cooking and other things keep well when properly stored in the fridge far longer than most people think.

I prefer fresh foods but usually keep some plain frozen steak fries and lots of frozen veggies. I rarely buy the cook in the bag kind because they’re more costly and I never need an entire bag of frozen peas at one time. Buy a regular bag of cheap frozen peas and you can cook them as needed.

Plain and simple, you find ways to be less wasteful and to meal plan better. I made the above pictured pasta primavera using a combination of stuff from the fridge and fresh veggies that I had flash frozen last weekend. The sauce was something from a jar that I had leftover from another dish. The pasta was the end of a package I had opened a couple of weeks ago.

This ability to plan, salvage and preserve has come in handy these last few weeks. Very little is getting wasted right now. I even discovered that leaf lettuce can be frozen for smoothies!

Another thing – when I come home from the store I jot down a list of things that need to be used first and hang it on the fridge. Things tend to get shuffled around and forgotten to languish in the back.

Given how much food is wasted in this country, I would hope that people are using this uncertain time to be more careful and thoughtful about food. That’s probably a pipe dream but this seems like the perfect time to embrace the old adage- use it up, wear it out, make it do or do without.

I’m not advocating that anyone do without but I would like to think we could embrace using and making do.

What about you? Are you being more careful with resources? Have your attitudes about shopping and using what you have changed lately? Let’s talk!

One Month Down

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January is typically a quieter time for me but this month has been extremely low key. I’ve been home a lot – stress has played a big role along with weather which has made it difficult to get outdoors for hikes.

This has actually made my No Spend Month a little easier. If you stay home (and away from your favorite online retailers), there’s little temptation to buy stuff you don’t need. Even still, I did have some unplanned purchases – a work function took me to a cute vintage shop which I wanted to support. So I spent $21 on two cute hats.

I ate out more than I wanted because of work travel and ended up exceeding my grocery budget as well. This was mainly because I found some deals that will save money in the long run. Even still, I ate well and came in under what I would normally spend on groceries.

There were a number of opportunities to shop for entertainment, to pick up clearance deals or seek out vintage treasures. However, I was so busy doing other things that I don’t feel like I missed out on anything.

I did buy tickets for a couple of upcoming local shows that I really want to see and I’m ok with that.

Perfection isn’t nearly as important to me as “good enough.” And I did good enough.

My little cat is happy having me home more and I’m better read, having plowed through a big stack of books in January.

I didn’t focus on exercise nearly as much as I wanted, opting instead for more rest. The treadmill isn’t nearly so inviting as the open trail.

In all, January feels like a success. It has been pleasant enough that I’m planning to continue through February with some new exceptions to the rules.

So, there you go. One twelfth of the year is now complete. One twelfth! How quickly did that pass?