SparkPeople The "No Spend" Zone Team Messageboard http://www.sparkpeople.com/myspark/groups_individual.asp?gid=40463 Monthy "no spend" challenges alert!!! How much can you save this month by only spending on the things you need??? SparkPeople The "No Spend" Zone Team Messageboard http://www.sparkpeople.com/assets/nav/nav_logo_v3.gif http://www.sparkpeople.com/myspark/groups_individual.asp?gid=40463 hi new here http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=-1x40463x54929690 I am really trying hard to cut back on spending I am going through some rough times and in order to get where I want to go I really need to stop spending money. I buy things for my niece, buy extra food (hate running out of things, OCD), buy things on sale even though I don't need them, go out to eat more then I should (especially since I buy food to make at home), and just the general spending of a couple with no kids (part of the reason I want to stop spending so much is so that I can have ... Tue, 17 Sep 2013 03:35:55 EST New Mantra: Stop Consuming and Start Producing http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=0x40463x54478651 I see over spending money and overeating as the same thing: consuming! I have a simultaneous program to lose weight and save money, and in the first 30 days in Spark, I lost 14 lbs and saved 310 dollars! I did not save that money on food, I just saved it. Actually, I am spending less on food, but not that much less. The spending is separate. I am reading Tolstoy's Anna Karenina, and have looked him up at wikipedia...his work is related to many people of this simple lifestyle thinking. I am go... Sun, 11 Aug 2013 07:56:37 EST you spend $ every day unknowingly http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=0x40463x54269317 interesting when you ask the question ' did you spend any money today' and people say no. <BR> GUESS WHAT - yes you have spent - just flushing your toilet, turning on the stove or lights, running the a/c or heat, receiving the newspaper, your fridge and freezer which are on 24/7. <BR> for me - i guess a total of $22.00 daily is being spent . more in the winter months as the heating is one constantly, the lights and cooking and so on are used much more than in the summer months. <BR> then th... Thu, 25 Jul 2013 19:48:03 EST What Helps You Stay on Track? http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=-1x40463x54096476 Hi All! Every day, I receive an update from a blog called "The Simple Dollar." I find the writer is dead-on, right on track, helping me change my thinking about saving money, paying off my debt and living within my means. I urge you to check him out at http://www.thesimpledollar.com. Let me know what you think! Fri, 12 Jul 2013 07:16:35 EST Scripture of the Day http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=-1x40463x51435240 For behold, I bring you good tidings of great joy, which shall be to all people. <BR> LUKE 2:10 Wed, 2 Jan 2013 13:59:08 EST Challenge for January http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=-1x40463x51435150 Lets do a mini challenge for January <BR> (1). Check in everyday. (2). Tell how much you spent the day before, and was it a needed. (3). <em>425</em> . Earn 100 spark points a week. <BR> The first three people who does everything will get a prize Wed, 2 Jan 2013 13:53:45 EST budgeting tips and tricks? http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=14519x40463x50787825 Hey there sparkers. My DH and I have been trying to get out of debt and save money to purchase a house. I've been watching the finances for most of our marriage, and it seems that we do well for a few months, then we have something happen that we need to dip into our savings in order to cover. We're trying to budget, but it seems that we are not doing so well. Anyone have any advice or tips for planning and tracking where your money goes? Sun, 11 Nov 2012 20:19:05 EST Budgeting http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=14519x40463x50323569 I was looking for the best free budgeting program on the internet and found dsbudget. Seems pretty good. And has made me realise that I have been spending way too much.I'll keep you updated. Wed, 10 Oct 2012 03:41:59 EST PUT THOUSANDS IN YOUR POCKET!!!!!! http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=0x40463x49592639 Hi - so far this year 2012 - i have put at least five thousand dollars into my bank account by cutting down, cutting out, revamping, revising and prepaying as much as possible. <BR> here is how i did it - and you can do it too - <BR> GET OUT YOUR CALENDAR - SCRUTINIZE EVERY SINGLE DAY OF THE MONTH for what comes due when. take a black marker for all of the FIXED EXPENSES YOU HAVE. for instance, hydro bill - altho you may not know the exact amount you can look over your hydro bills for the... Thu, 23 Aug 2012 15:34:01 EST make interesting challenges for your week http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=14518x40463x48997931 i have found it kind of generic to say 'no spend' because in the end i do. one of the biggest challenges is to keep my food budget down - i try to beat the ceiling $$ amount- and have accomplished maybe one out of every six shopping trips. not good. <BR> i also challenge myself to save on gasoline by clumping my errands together as much as possible, mapping a short route so i don't back track and waste time and fuel, and checking out gas prices to find the best deal. the best deal has to... Sun, 15 Jul 2012 19:15:16 EST What did you spend today? http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=0x40463x43020100 Today I spent $8.49 for some multi-vitamins. Sat, 16 Jul 2011 13:02:31 EST What motivates you to save? http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=0x40463x42947123 My car! <BR> My car motivates me, every time I have to stop beside the road and pick up another piece of it that has fallen off! <BR> <BR> <em>198</em> Tue, 12 Jul 2011 12:22:54 EST July 2011 goals http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=0x40463x42799814 I am setting my July saving goal here, so that I can be held accountable. <BR> <BR> My savings total by the end of July should be about $350.00 - at least that's what I'm aiming for. I have my doubts, but I am surely gonna try!! <BR> <BR> How about you? <BR> Do you have a savings goal for July 2011 yet? Mon, 4 Jul 2011 17:50:25 EST End of the Month! http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=0x40463x42709236 There's just one more day left in June. <BR> My bills are all paid, and I have just enough left over to get my car registered this evening at the Town Hall. The repairs on my clunker are costing $300 - so we decided to split the cost three ways. Darn it. That leaves me just enough to get the darned thing registered. <BR> <BR> I'll be so happy when this stressful financial part is over. On to July! <BR> Wed, 29 Jun 2011 12:58:09 EST It's the last week of June - How's your spending? http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=0x40463x42663049 I like to take a look at how frugal I've been (or perhaps not so frugal) over the past month. This month I had an unexpected expense - my car. It's been falling apart one piece at a time. The last piece to break was my brake line the day before yesterday. <BR> <BR> Thankfully though - I had saved enough this month to be able to afford the repairs! <BR> Mon, 27 Jun 2011 09:21:34 EST If At First You Don't Succeed ... http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=0x40463x42499161 Start over! <BR> <BR> You see, I was saving money so that I could have someone come in and build a closet in my bedroom. Then my car decided to fall apart - literally. It's old and rusted. Very old - 1995 model. <BR> <BR> So, I need to save for a replacement vehicle. Darn it all! <BR> Sat, 18 Jun 2011 11:35:18 EST Do We Have a Challenge for June? http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=14518x40463x42351024 Huh? Do we? <BR> <BR> <em>211</em> Fri, 10 Jun 2011 13:13:02 EST All-Purpose Cleaner http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=14519x40463x42211453 How many of you purchase several cleaners to do different cleaning jobs around the house? Wouldn't it save money to just have ONE all-purpose cleaner that actually WAS all purpose? <BR> <BR> I have a recipe for one that I'll share with you. <BR> <BR> Two cups of ordinary tap water <BR> 1/4 cup of white vinegar (no. cider vinegar will not work) <BR> 1 tsp of Dawn dishwashing liquid <BR> <BR> Mix all of these ingredients in a spray bottle. Use the cleaner to clean everything from windows (... Fri, 3 Jun 2011 10:22:49 EST w00t! w00t!! Go me! http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=0x40463x42077629 Thanks to this Team, I have NOT overspent by a single penny this week - and I have $50.00 in my savings jar. <BR> <BR> Go me! <BR> <BR> Grandma C. <BR> Fri, 27 May 2011 16:01:25 EST Happy Mother's Day http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=0x40463x41694068 Happy Mother's day to all mothers, stand-in mothers, fathers that are both fathers and mothers and potential mothers! Hope you have a great day, remember that you are special. <em>247</em> Sun, 8 May 2011 08:01:07 EST HOW MUCH DID YOU SPEND TODAY http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=-1x40463x39755954 It's amazing how much we needlesly spend,that dress we will never wear,that cd we never listen to.how many of us spend when we don't really need to. If i go walking i never take any money so that i'm not tempted to visit local shop to buy whatever. today i hace not spent anything.What about you? <em>247</em> Mon, 7 Feb 2011 15:05:09 EST Merry Christmas! http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=0x40463x38649194 I hope you're all having a wonderful holiday, surrounded by family, friends, and love. <BR> <BR> <em>247</em> Sat, 25 Dec 2010 13:06:22 EST Christmas Savings http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=0x40463x38031245 As Christmas fast approaches how are you going to cut some costs. I am trying to make a few of my gifts this year. Tying to get back to the good old christmas from the past now it is way to commercial. Sat, 20 Nov 2010 07:50:33 EST October No Spend Challenge http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=14518x40463x37264079 Racking up those sparkpoints! One of my first goals when joining Sparkpeople were how many sparkpoints I could get. At first I didn't think I'd like it since you didn't actually physically "recieve" anything for the points, but oh the benefits!! I thought it was a really cool to see my points go up, but not only that, you learn so very much along the way, and can gauge not only your own progress, but get encouragement from other's progress also. SO LET'S RACK UP THOSE SPARKPOINTS FOR OCTOBE... Tue, 12 Oct 2010 09:58:55 EST September "No Spend" Challenge http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=14518x40463x36419319 CHANGE!!! I love change! The hubby loves $2.00 bills; I love change, even the pennies! I find that every little bit helps; The last time I cashed in my change it added up to over $600.00, which we used for spending money for our vacation!! So how much change can we save up THIS MONTH! And what are we going to use it for? <em>340</em> <em>27</em> Wed, 1 Sep 2010 13:48:07 EST Spark Savings Pages http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=0x40463x36073299 Can anyone tell me how to find the Spark Savings Pages. I found it once by accident and cannot find the link for it again. <BR> Sun, 15 Aug 2010 20:20:15 EST Savings Goal for August http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=0x40463x35734156 What goals do you have for August? Myself, for every pound I lose I put aside $10.00 for that new top or dress at the end of the month. Fri, 30 Jul 2010 15:41:58 EST New to the team http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=0x40463x35656184 Is there anyone out there who is still on this team. It looks like very few been active for a while. Mon, 26 Jul 2010 23:05:27 EST Summer time spending http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=-1x40463x34395875 It seems summer time spending is BAD for me. With grandchildren out of school and fun stuff all the time. Help! I have gotta be in the "NO Spend" zone...NOW! Wed, 26 May 2010 11:36:27 EST Does ANYONE Want to Chat? http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=0x40463x33431773 I do! <BR> <BR> Its really hard for me not to spend money on things I don't absolutely HAVE to have. I am addicted to reading anything scientifically documented pertaining to health and nutrition. <BR> <BR> AND <BR> <BR> I'm a cook-a-holic! I love cookbooks. <BR> <BR> I'd rather buy a good book (non-fiction) and read it than do anything else. <BR> <BR> Anyone else addicted to spending for a reason? Wed, 14 Apr 2010 11:23:33 EST Dollar Bills http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=14519x40463x33304726 I've been saving change for many years. For the last two years I've been holding on to one dollar bills. When I go shopping I use all denominations except for ones unless I have to. At the end of the month when I balance my books I end up with 10 to 25 one dollar bills. As of January 1, I've managed to save $175.00 for a total of $675.00 for the three years. Nice little end of goal account. Thu, 8 Apr 2010 21:21:17 EST April 2010 "No Spend" Challenge! http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=14518x40463x33274308 Ok so why didn't anybody remind me to start a challenge for April! Ha! I'm such a bad team leader! I'm sorry guys! It's April 7, 2010 already so how are you all doing thus far? <BR> <BR> Wed, 7 Apr 2010 17:07:51 EST saving for.. http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=0x40463x33227257 I am saving for a wedding next year, and emergencies. Can't wait to get going!! <em>224</em> Mon, 5 Apr 2010 22:17:46 EST Did you spend any money today?For what? How much? http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=0x40463x33084789 Did you spend any money today? No <BR> <BR> For what? <BR> <BR> How much? <BR> <BR> Today was a good day financially. <em>244</em> Tue, 30 Mar 2010 18:45:40 EST Regret! http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=0x40463x32960224 Is there anything in the past or presently that you regret buying? What was it and why? <BR> Thu, 25 Mar 2010 14:08:25 EST Financial Question of the Day #1 http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=0x40463x32381845 Is there a habit, when it comes to money, that you want to kick? And why? <BR> <BR> For me, I have a cosmetics addition. When MAC comes out with a new collection I must go buy something from it. I really need to curb that addiction because it is a very expensive one. I have the same trouble with workout DVDs and workout clothing. Eeeeek! Tue, 2 Mar 2010 16:17:49 EST Marcdh 2010 "No Spend" Challenge http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=14518x40463x32381731 Hopefully this month we will continue to buy the things we need and not the things we want. It's better to save money so you will have more money on the things you want in the future. <BR> <BR> Mark each day with the icon -- <em>248</em> <BR> <BR> 1 - <BR> 2 <BR> 3 <BR> 4 <BR> 5 <BR> 6 <BR> 7 <BR> <BR> 8 <BR> 9 <BR> 10 <BR> 11 <BR> 12 <BR> 13 <BR> 14 <BR> <BR> 15 <BR> 16 <BR> 17 <BR> 18 <BR> 19 <BR> 20 <BR> 21 <BR> <BR> 22 <BR> 23 <BR> 24 <BR> 25 <BR> 26 <BR> 27 <BR> 28 <BR> <BR> 29 ... Tue, 2 Mar 2010 16:13:36 EST Saving Change http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=14519x40463x31966973 When I go grocery shopping I don't use my change. I dump it in the bottom of my purse and add it to my change jar. Mon, 15 Feb 2010 09:46:21 EST What are you saving up for??? http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=0x40463x31852141 I'm saving up for our upcoming Disney World vacation. I need all the spending money I can get! <BR> <BR> What are you saving for?? Wed, 10 Feb 2010 12:27:39 EST February 2010 "No Spend" Challenge http://www.sparkpeople.com/myspark/team_messageboard_thread.asp?board=14518x40463x31852098 I know it's well into February, but it's never too late to start saving money!!! <BR> <BR> By the day you should put either, "goal met" if you didn't spend on a want or "tomorrow is a new day" if you spent on a want. <BR> <BR> <em>306</em> <BR> <BR> 10 - <BR> 11 - <BR> 12 - <BR> 13 - <BR> 14 - <BR> 15 - <BR> <BR> 16 - <BR> 17 - <BR> 18 - <BR> 19 - <BR> 20 - <BR> <BR> 21 - <BR> 22 - <BR> 23 - <BR> 24 - <BR> 25 - <BR> <BR> 26 - <BR> 27 - <BR> 28 - <BR> <BR> Wed, 10 Feb 2010 12:26:30 EST