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DEEDUM's Photo DEEDUM Posts: 1,618
1/8/08 10:13 P

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Wow, that is terrific budgeting Tobybear! Perhaps some of this thinking will rub off on others and help them! We should really work at keeping as much money as we can, make it go as far as we can!!! We work hard for it and society just thinks it grows on trees and we are way to quick to hand it over! My hat is off to you! emoticon

.at least 8 cups water daily
.stay within calories range
.three fruits and 3 veggies a day
. no eating 2 hrs before bedtime
. no white foods
. get 8 hrs of sleep


HEATHER_MARU's Photo HEATHER_MARU Posts: 3,619
1/8/08 9:01 P

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Sounds like you did great, Toby. Better to be $4.50 under than over!

"The best day of your life is the one on which you decide your life is your own. No apologies or excuses. No one to lean on, rely on, or blame. The gift is yours - it is an amazing journey - and you alone are responsible for the quality of it. This is the day your life really begins.”
Bob Moawad

Having trouble staying on track with a busy Summer? The Holiday to Holiday Challenge Team may have just the motivation you need!


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TOBOBEAR's Photo TOBOBEAR SparkPoints: (0)
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1/8/08 4:10 P

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Update after week 1
Marie spent $65 (babyalive doll, pajamas, slippers, diapers for baby alive, robe, and refil) so over by $5
Elise spent $49 (art easel, paints, pajamas, and cozy bathrobe, slippers) so have $11 left
Toby spent $51 (air hockey table, over budget, but shorting J below) so have $2 left
George and Gladys, spent nothing on them yet so have $20 left Burned George and Gladys, They get nothing, I had to get two gifts for the new girlfriend's kids so spent $24 so over budget by $4.
J spent $17 moved the extra $3 to Toby to cover the overbudget on air hockey table. So $0 left.
Stocking Stuffers spent $5 (two sets of soccer shin guards for the girls) so have $15 left, cocoa mug for $3, candy for $8 so have $4 left
Holiday baking spent it all (chocolate for peanut butter balls $15, and a bag of pretzels for dipping for another $3). so $0 left
Bought cheeseballs $5.50, so over budget by .50
Bought box of candy for girlfriend's mother $3

So grand total: $4.50 under budget

I knew I was close, but it was slim.

Toby


"You'll always miss 100% of the shots you don't take."
-Wayne Gretzky

"Do one thing everyday that scares you."
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HEATHER_MARU's Photo HEATHER_MARU Posts: 3,619
12/29/07 1:55 P

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Thanks Dee. Our goal for this year is to start our 401K at my hubby's work. He's got it all figured out and we agreed we could spare atleast $30 a paycheck ($15 a week). So now I'm just waiting on the HR ladies to come back from vacation.

"The best day of your life is the one on which you decide your life is your own. No apologies or excuses. No one to lean on, rely on, or blame. The gift is yours - it is an amazing journey - and you alone are responsible for the quality of it. This is the day your life really begins.”
Bob Moawad

Having trouble staying on track with a busy Summer? The Holiday to Holiday Challenge Team may have just the motivation you need!


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DEEDUM's Photo DEEDUM Posts: 1,618
12/29/07 10:17 A

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Hat's off to you HEATHER_MARU! What great budgeting! I like what you had for your Christmas meal! I wanted to keep it simple here, so instead of the normal huge meal, we had homemade lasagna, biscuits and vegetables.

You do a great job leading this team! emoticon

.at least 8 cups water daily
.stay within calories range
.three fruits and 3 veggies a day
. no eating 2 hrs before bedtime
. no white foods
. get 8 hrs of sleep


DEEDUM's Photo DEEDUM Posts: 1,618
12/29/07 10:12 A

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Ready for the New Year.I got my trusty little piggy bank (freebie)! I already have $5 in it, and said no one gets into this. My hubby thinks I am silly but I want to see just how much I can save in coupons this year! Sounds like a good plan to me! Maybe I will use it for vacation for 2008 or put it in my roth 2008 or do something for me! We will see.
I was happy with my Christmas budget for 2007! I now how increase my 401 up another 5%,(that is 10% on top of what I was already doing) seemed like a good idea, either I do this or Uncle Sam takes it for me, no point in letting him get it before he needs to! Take care everyone and remember to think before you spend! Save all you can!

.at least 8 cups water daily
.stay within calories range
.three fruits and 3 veggies a day
. no eating 2 hrs before bedtime
. no white foods
. get 8 hrs of sleep


HEATHER_MARU's Photo HEATHER_MARU Posts: 3,619
12/29/07 1:34 A

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Yey! To Cat and Dee!!

12/29 Update

I just made my budget and we have a bottle of champagne left from Christmas, so I shouldn't be spending anything on New Year's. I may use a little of the Christmas money we got for some fireworks.

Projected Total Budget: $700
Actual: $700

Christmas, Dec 25th

Kids Gifts - P$400 ($133/son) ---A=$369---
*Dayton- Games $46, Karaoke $17, clothes $25, jammies $14, pellet gun & targets $40 ---($142)---
*Everett- Flo's Cafe $18, Karaoke $17, moon sand $10, jammies $14, firetruck $10, moon sand $10, Pirate ship $20, crayons & pads $5 ---($104)---
*Blake-TJ Bearytales, $20, T Rex's $30, Karaoke $17, jammies $10, mickey clubhouse $33, crayons $3 ---($113)---
*Stocking Stuffers All 3- ---($10)---

Rest of Family - P$100 ---A$307--- YIKES!
*Tom- travelmugs, $14, sheets $20, book $30, meat sampler $15, ammo $12
*Me- sheets $20, ball $10
*Missie- book $5
*Greg- movie $3, golf balls $25
*Jane- shirt $10, curtain rods $28
*Katherine & Jason- gift cards $20, wine $13
*Mom- wine $8, movies $13
*Ted- coffee $7
*G'mas- picture frames $20, coffee $10, jars $3, basket $3, gift card $10
*Friends- mugs and coffee $5
*Cinnamon Ornaments- $3

Travel - P$0 (not traveling)
Decorations - P$20, Candy Canes $6, wrapping stuff $3, garland $3 ---($9)---
Food - P$150, Just bought a Sirloin roast and used stuff in my cabinets for dinner, MIL paid for brunch ---($15)---

New Year's Eve, Dec 31st
Fireworks and toasting beverage - P$30


"The best day of your life is the one on which you decide your life is your own. No apologies or excuses. No one to lean on, rely on, or blame. The gift is yours - it is an amazing journey - and you alone are responsible for the quality of it. This is the day your life really begins.”
Bob Moawad

Having trouble staying on track with a busy Summer? The Holiday to Holiday Challenge Team may have just the motivation you need!


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12/28/07 9:36 A

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Projected Total Budget: $500
Actual Total Budget: $475.98(we have fmaily coming over for dinner on Sunday, so I may spend more, but I doubt it. The pantry is well stocked and I am done with all the gifts, so I should be good.)

Christmas, Dec. 25th:
DH gift:budget-$75/actual-$50 on Lowe's giftcard, $10 on stocking stuffers/$20 on slippers (used a giftcard)
Rest of Family:budget-$100/actual-8 stocking stuffers at $1 each, a book on CD-$26, CD-$13, 2 books and a calender-$23 (all bought on a giftcard, so not really counting those), SceneIt game-$19 (also used a giftcard and then I saw it went on sale for even cheaper, so I went and got a price adjustment and got a $9.63 store credit!), The Clapper-$21, Frames-$20, giftcard-$25,Game Informer subscription-$17 (used a giftcard), CD-$16, gloves-$3.50 (they were originally $22 and they were on sale and I had a $10 coupon-I was very excited and had to share that:), membership to the local children's museum-$70 (it went up $10 from last year!)
I have been saving my giftcards all year and making sure we use our points for things and now I am glad I did-I have been able to buy tons of gifts this year that I would otherwise have spent tons of money on. I think I will save all my giftcards and store credits this next year too:)
Travel:budget-$150/actual $90-gas, $40-snacks/meals
Decor:budget-$75/actual-tree $64, table cloth for a tree skirt-$13, $8-table center piece
Food:budget-$100/actual-$5 for 20lbs of flour at costco, $15 for ingredients for chili and cookies not already in pantry, $10 for chips and dip and munchie stuff.

So I have decided on Chili and cinnamon rolls for the dinner, it is cheap and easy and everybody likes that.
I still have a few more gifts to get for the rest of my family and I really do not want to go over my budget, but I still have some money in different catagories I can draw from.
New Years- Dec. 29th
budget-$0/actual-$7.48
bought a dress at target for $7.48 on clearance and I already have a great pair of black boots to wear with it, so that will be my new year's dress for the party my DH's company will be throwing on Dec. 29th. Not actually new year's, but still free and fun:)

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DEEDUM's Photo DEEDUM Posts: 1,618
12/21/07 12:24 A

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I am right on with my budget this year, ok, just a tad over, but I allowed for it! I even bumped up my 401 k by 5% more. Happy about that!

.at least 8 cups water daily
.stay within calories range
.three fruits and 3 veggies a day
. no eating 2 hrs before bedtime
. no white foods
. get 8 hrs of sleep


HEATHER_MARU's Photo HEATHER_MARU Posts: 3,619
12/20/07 2:05 P

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I'll be doing my food shopping tomorrow. My MIL said she'd pay for brunch, but instead she paid for our half of the water bill since that was about $50 and she said she'd spend $50 on food. So... when I go grocery shopping tomorrow, I guess I'll just subtract my water bill from the cost?

You're doing great, Cat! I save my gift cards, too. But I've been using them for birthday presents throughout the year. All I'm down to now are ones for Anne Taylor and I hate getting clothes for others. That's why I have so many Anne Taylor gift cards - ppl get me clothes there and I return them b/c it's not my style/fit.

I was really hoping to get a tent for the family for Christmas but it's not looking in the budget. But with our new tv (read the Chatter Towards Change thread if you're curious), and my MIL and FIL got us all a PS3 AND my mom got usyear passes to Busch Gardens... I think we'll have plenty to do and it won't be a big deal to not go camping this year.

"The best day of your life is the one on which you decide your life is your own. No apologies or excuses. No one to lean on, rely on, or blame. The gift is yours - it is an amazing journey - and you alone are responsible for the quality of it. This is the day your life really begins.”
Bob Moawad

Having trouble staying on track with a busy Summer? The Holiday to Holiday Challenge Team may have just the motivation you need!


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12/20/07 10:10 A

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Projected Total Budget: $500
Actual Total Budget: $258.50 (but I still haven't traveled yet, so that will change.)

Christmas, Dec. 25th:
DH gift:budget-$75/actual-$50 on Lowe's giftcard, $10 on stocking stuffers
Rest of Family:budget-$100/actual-5 stocking stuffers at $1 each, a book on CD-$26, CD-$13, 2 books and a calender-$23 (all bought on a giftcard, so not really counting those), SceneIt game-$19 (also used a giftcard and then I saw it went on sale for even cheaper, so I went and got a price adjustment and got a $9.63 store credit!), The Clapper-$21, Frames-$20, giftcard-$25,Game Informer subscription-$17 (used a giftcard), CD-$16, gloves-$3.50 (they were originally $22 and they were on sale and I had a $10 coupon-I was very excited and had to share that:)
I have been saving my giftcards all year and making sure we use our points for things and now I am glad I did-I have been able to buy tons of gifts this year that I would otherwise have spent tons of money on. I think I will save all my giftcards and store credits this next year too:)
Travel:budget-$150/actual $0 still haven't gone anywhere yet
Decor:budget-$75/actual-tree $64, table cloth for a tree skirt-$13
Food:budget-$100/actual-$5 for 20lbs of flour at costco, $15 for ingredients for chili and cookies not already in pantry, $10 for chips and dip and munchie stuff.

So I have decided on Chili and cinnamon rolls for the dinner, it is cheap and easy and everybody likes that.
I still have a few more gifts to get for the rest of my family and I really do not want to go over my budget, but I still have some money in different catagories I can draw from.

New Years- Dec. 29th
budget-$0/actual-$7.48
bought a dress at target to $7.48 on clearance and I already have a great pair of black boots to wear with it, so that will be my new year's dress for the party my DH's company will be throwing on Dec. 29th. Not actually new year's, but still free and fun:)


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HEATHER_MARU's Photo HEATHER_MARU Posts: 3,619
12/13/07 2:54 P

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I keep forgetting to update this, thanks for posting Cat - it reminded me. The chili sounds good. To make it special, when I went to the Grand Canyon once, they served their chili in sourdough bread bowls- that could be something you can do. I have a chili recipe around here somewhere where you add a dash of cocoa to it also.

12/13 Update

Projected Total Budget: $700
Actual: $685

Christmas, Dec 25th

Kids Gifts - P$400 ($133/son) ---A=$369---
*Dayton- Games $46, Karaoke $17, clothes $25, jammies $14, pellet gun & targets $40 ---($142)---
*Everett- Flo's Cafe $18, Karaoke $17, moon sand $10, jammies $14, firetruck $10, moon sand $10, Pirate ship $20, crayons & pads $5 ---($104)---
*Blake-TJ Bearytales, $20, T Rex's $30, Karaoke $17, jammies $10, mickey clubhouse $33, crayons $3 ---($113)---
*Stocking Stuffers All 3- ---($10)---

Rest of Family - P$100 ---A$307--- YIKES!
*Tom- travelmugs, $14, sheets $20, book $30, meat sampler $15, ammo $12
*Me- sheets $20, ball $10
*Missie- book $5
*Greg- movie $3, golf balls $25
*Jane- shirt $10, curtain rods $28
*Katherine & Jason- gift cards $20, wine $13
*Mom- wine $8, movies $13
*Ted- coffee $7
*G'mas- picture frames $20, coffee $10, jars $3, basket $3, gift card $10
*Friends- mugs and coffee $5
*Cinnamon Ornaments- $3

Travel - P$0 (not traveling)
Decorations - P$20, Candy Canes $6, wrapping stuff $3, garland $3 ---($9)---
Food - P$150 ($50 for brunch, $100 for dinner)

New Year's Eve, Dec 31st
Fireworks and toasting beverage - P$30


Looks like I'm at $685 when I budgeted $700. I still have a meal to plan and New Year's. But my MIL said she'd pay for Christmas brunch, so that saves me the $50 projected. And hubby and I were just talking about keeping Christmas dinner modest. So, I figure I'll probably go over budget by about $50.

"The best day of your life is the one on which you decide your life is your own. No apologies or excuses. No one to lean on, rely on, or blame. The gift is yours - it is an amazing journey - and you alone are responsible for the quality of it. This is the day your life really begins.”
Bob Moawad

Having trouble staying on track with a busy Summer? The Holiday to Holiday Challenge Team may have just the motivation you need!


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12/13/07 11:42 A

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Projected Total Budget: $500
Actual Total Budget:

Christmas, Dec 25th:
DH gift:budget-$75/actual-$0
Rest of Family:budget-$100/actual-4 stocking stuffers at $1 each, a book on CD-$26, CD-$13(I bought book on CD and CD with a gift card, so I am not really counting those,) Scene-It game-$28 (also used a giftcard for that.)
Travel:budget-$150/actual-$0 still haven't gone anywhere.
Decor:budget-$75/actual-tree $64, table cloth for a tree skirt-$13.
Food:budget-$100/actual $5 for 20lbs of flour at costco for cookies.

I am going to do some more shopping this weekend-finally have time to go out and about w/o my DH so I can get his gift! I still have a few more stocking stuffers to buy, but they are only $1 a piece, so I think I will run to the Dollar store this afternoon and see what I can find.
I also need to plan my food for the 29th since my DH's family has decided that we will have Christmas with his side of the family at our house. Does anyone have any suggestions? His family is small- there will only be 8 of us-total. Does anyone have any suggestions for a meal? I am thinking chili and cinnimon rolls.

New Years- Dec. 29th
budget-$0/actual-$7.48
bought a dress at target to $7.48 on clearance and I already have a great pair of black boots to wear with it, so that will be my new year's dress for the party my DH's company will be throwing on Dec. 29th. Not actually new year's, but still free and fun:)

Edited by: LIBRARYCAT at: 12/13/2007 (11:43)
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HEATHER_MARU's Photo HEATHER_MARU Posts: 3,619
12/6/07 10:05 P

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12/6 - Update

Projected Total Budget: $700
Actual: $415

Christmas, Dec 25th

Kids Gifts - P$400 ($133/son) ---A=$321---
*Dayton- Games $46, Karaoke $17, clothes $25, jammies $14, pellet gun & targets $40 ---($142)---
*Everett- Flo's Cafe $18, Karaoke $17, moon sand $10, jammies $14, firetruck $10 ---($69)---
*Blake-TJ Bearytales, $20, T Rex's $30, Karaoke $17, jammies $10, mickey clubhouse $33 ---($110)---

Rest of Family - P$100 ---A$88---
*Tom- travelmugs, $14, sheets $20
*Me- sheets $20, ball $10
*movies, $6
*Missie- book $5
*Greg- movie $3
*Jane- shirt $10

Travel - P$0 (not traveling)
Decorations - P$20, Candy Canes $6 ---$6---
Food - P$150 ($50 for brunch, $100 for dinner)

New Year's Eve, Dec 31st
Fireworks and toasting beverage - P$30

"The best day of your life is the one on which you decide your life is your own. No apologies or excuses. No one to lean on, rely on, or blame. The gift is yours - it is an amazing journey - and you alone are responsible for the quality of it. This is the day your life really begins.”
Bob Moawad

Having trouble staying on track with a busy Summer? The Holiday to Holiday Challenge Team may have just the motivation you need!


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12/6/07 11:24 A

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Good call. I will use it as a back up for now until I have spent my travel money and go from there, since travel is where I am still not sure if I budgetted right.
thanks

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HEATHER_MARU's Photo HEATHER_MARU Posts: 3,619
12/6/07 10:16 A

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I wouldn't count it. If I get gift cards for free, I think of them as coupons. If you used a coupon, or bought something on sale, you wouldn't count the saved money. But if you do count it, then you'll go under your budget and save money. Perhaps count it at first, but remember that you have it as a "back up" if there's a few items you need to get or if gas suddenly goes up again. After all, the average may have dropped 20 cents in the last week, but it can go up by 20 cents in one week just as easily.

"The best day of your life is the one on which you decide your life is your own. No apologies or excuses. No one to lean on, rely on, or blame. The gift is yours - it is an amazing journey - and you alone are responsible for the quality of it. This is the day your life really begins.”
Bob Moawad

Having trouble staying on track with a busy Summer? The Holiday to Holiday Challenge Team may have just the motivation you need!


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12/6/07 10:01 A

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Projected Total Budget: $500

Christmas, Dec 25th:
DH gift:budget-$75/actual-$0
Rest of Family:budget $100/actual-4 stocking stuffers at $1 each, a book on CD $26, CD $13 (I bought the book on cd and the cd with gift cards I already had, so I am still debating whether I should count those), Scene-it game for holidays-$28 (also used a gift card to buy that.)
Travel:budget $150/actual-$150 (I haven't gone anywhere yet.)
Decor:budget-$75/actual-tree $64, tablecloth for a tree skirt-$13
Food:budget-$100/actual-$5 for 20lbs. of flour at costco for cookies.

It looks like I went over decor budget by $2, so I will have to pul $2 for somewhere else, maybe travel since I did over budget that by quite a bit and I see that gas is going down.
Does anyone have an opinion on whether I should count the gifts I bought with gift cards. I got 2 giftcards to Barnes and Noble last year for our anniversary, but we just go to the library and use netflix for books, magazines and movies, so we hadn't really used them.
So far so good, but I haven't bought my DH anything and I haven't gone up to MN yet, so we will see if I can keep it up.

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HEATHER_MARU's Photo HEATHER_MARU Posts: 3,619
11/29/07 2:14 P

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Good luck, Cat. Don't wait too long or else it'll be just whatever you can find for however much it costs!

11/29 - Update

Projected Total Budget: $700
Actual: $405

Christmas, Dec 25th

Kids Gifts - P$400 ($133/son) ---A=$321---
*Dayton- Games $46, Karaoke $17, clothes $25, jammies $14, pellet gun & targets $40 ---($142)---
*Everett- Flo's Cafe $18, Karaoke $17, moon sand $10, jammies $14, firetruck $10 ---($69)---
*Blake-TJ Bearytales, $20, T Rex's $30, Karaoke $17, jammies $10, mickey clubhouse $33 ---($110)---

Rest of Family - P$100 ---A$78---
*Tom- travelmugs, $14, sheets $20
*Me- sheets $20, ball $10
*movies, $6
*Missie- book $5
*Greg- movie $3

Travel - P$0 (not traveling)
Decorations - P$20, Candy Canes $6 ---$6---
Food - P$150 ($50 for brunch, $100 for dinner)

New Year's Eve, Dec 31st
Fireworks and toasting beverage - P$30

"The best day of your life is the one on which you decide your life is your own. No apologies or excuses. No one to lean on, rely on, or blame. The gift is yours - it is an amazing journey - and you alone are responsible for the quality of it. This is the day your life really begins.”
Bob Moawad

Having trouble staying on track with a busy Summer? The Holiday to Holiday Challenge Team may have just the motivation you need!


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11/29/07 11:24 A

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I have nothing to update- I haven't even gone shopping! So I guess I am still at $500, yay! My DH and I are going to look for a tree this weekend, I am sure I will have more to report next week. I shouls probably get busy since we only have 4 weeks!
Good Luck on your holiday saving!

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HEATHER_MARU's Photo HEATHER_MARU Posts: 3,619
11/27/07 3:00 P

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11/27 - Update

Projected Total Budget: $700
Actual: $359

Christmas, Dec 25th

Kids Gifts - P$400 ($133/son) ---A=$281---
*Dayton- Games $46, Karaoke $17, clothes $25, jammies $14 ---($102)---
*Everett- Flo's Cafe $18, Karaoke $17, moon sand $10, jammies $14, firetruck $10 ---($69)---
*Blake-TJ Bearytales, $20, T Rex's $30, Karaoke $17, jammies $10, mickey clubhouse $33 ---($110)---

Rest of Family - P$100 ---A$78---
*Tom- travelmugs, $14, sheets $20
*Me- sheets $20, ball $10
*movies, $6
*Missie- book $5
*Greg- movie $3

Travel - P$0 (not traveling)
Decorations - P$20
Food - P$150 ($50 for brunch, $100 for dinner)

New Year's Eve, Dec 31st
Fireworks and toasting beverage - P$30

So I'm nearing my total for the rest of the family. But I had gotten things for my hubby and self and that took a lot out of that budget that I wasn't planning on. But I think my kids are pretty well spoken for. So I'll just spend about another $20 on them for stocking stuffers and reroute that other hundred (or less) towards gifts for my family members. I'm going to just try and get simple $5 to $10 gifts for them and then make Chocolate Hazelnut Truffles and get some cute tins to give those in.

I'm glad I'm doing this b/c I wouldn't have realized my total for Other Family Members was nearing max and I would have kept buying for my kids. So this should be helping. Plus my MIL said that she should be able to get most of the food for brunch, so that may also put another $50 in our pockets.

YAY! emoticon

"The best day of your life is the one on which you decide your life is your own. No apologies or excuses. No one to lean on, rely on, or blame. The gift is yours - it is an amazing journey - and you alone are responsible for the quality of it. This is the day your life really begins.”
Bob Moawad

Having trouble staying on track with a busy Summer? The Holiday to Holiday Challenge Team may have just the motivation you need!


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TOBOBEAR's Photo TOBOBEAR SparkPoints: (0)
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11/27/07 1:09 P

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Christmas budget
(currently things are slim, I am working under a 40% paycut at one job, if it gets resolved before X-mas I will be comfortable, if not it may be slim.)
Presents
Marie (1- from dad, 1 from Elise, some from Santa) $60
Elise (1-from dad, 1 from Elise, some from Santa) $60
Toby(1 from Santa) $50
George and Gladys $20
J $20
Stocking Stuffers $20

Holiday food (not including regularly eaten meals)
Some baking, but most ingredients I stockpiled during the off season so pretty much buying eggs and flour and some chocolate candy dip (peanut buter balls) $20
Big tub of Cheese Balls (imitation Cheetos) for santa’s reindeer $5
Total $255

Travel
If no backpay comes from the paycut issue, no travel, if I get backpay before x-mas, then $400 (3 nights in hotel, $125 membership to chldrens/science museum, plus food and gas)
Update after week 1
Marie spent $31 (babyalive doll) so have $29 left
Elise spent $44 (art easel, paints, pajamas, and cozy bathrobe) so have $16 left
Toby spent $51 (air hockey table, over budget, but shorting J below) so have $2 left
George and Gladys, spent nothing onthem yet so have $20 left
J spent $17 moved the extra $3 to Toby to cover the overbudget on air hockey table. So $0 left.
Stocking Stuffers spent $5 (two sets of soccer shin guards for the girls) so have $15 left
Holiday baking spent $2, so have $18 left.
Haven’t bought cheeseballs yet, so have $5 left
So I have $103 (29+16+20+15+18+5) left for my holidays.
Toby

"You'll always miss 100% of the shots you don't take."
-Wayne Gretzky

"Do one thing everyday that scares you."
-Eleanor Roosevelt


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11/27/07 11:39 A

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Projected Total Budget:$500

Christmas, Dec 25th:
DH gift/stocking stuffers-$75
Rest of Family gifts-$100
Travel-$150
Decor-$75
Food-$100

New Year's
Party thrown by DH's boss-FREE!

Since my side of the family has decided not to exchange gifts, We are saving a ton of money this year. I would usually spend about $20-$25 per person and that would add up to $400 more! Food does cost a little more than normal since we are going to get together for food and games instead, but the savings is worth it!
Let's hope I can stick to this. The only problem might be with travel, but I over budgeted by $40, so unless the price of gas skyrockets, I should be good.

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HEATHER_MARU's Photo HEATHER_MARU Posts: 3,619
11/20/07 9:59 A

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THIS IS A HOLIDAY CHALLENGE

emoticon emoticon emoticon emoticon
I do it, you do it, we all do it. We all spend at least a little more (or a lot more) than we plan on spending each holiday season. This challenge is all about changing that.

We're going to create a budget for how much we want to spend for our impending holiday (Christmas, Hanukkah, Kwanzaa, Yule, etc). We'll state how much we Plan To Spend, and make an itemized list so we can stick to it (food, children gifts, extended family, friends, travel, decorations, etc). Then every week we can check in to see how much we have spent already and how much we have left.

**For an added challenge** I encourage everyone to take a percentage off the top and try to SAVE that much (try for 10 percent or whatever you feel comfortable).

*** STARTS NOV 23rd ***
We'll start the day after Thanksgiving and wrap it up on Jan 1st. We'll check in every Thursday and on New Year's Day.
Feel free to include any New Year's plans in your budgeting if it will help you. This challenge is all about what will help you to save money during the hardest time of the year to do so.

GO US!!!
emoticon emoticon emoticon emoticon

"The best day of your life is the one on which you decide your life is your own. No apologies or excuses. No one to lean on, rely on, or blame. The gift is yours - it is an amazing journey - and you alone are responsible for the quality of it. This is the day your life really begins.”
Bob Moawad

Having trouble staying on track with a busy Summer? The Holiday to Holiday Challenge Team may have just the motivation you need!


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LAUREN419 Posts: 2,098
11/20/07 8:29 A

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Well, my boyfriend handles the exact dollar amount, but for most of the family and friends we are getting gift cards this year. If we buy our gift cards for various places at Giant Eagle, then we get money off of gasoline, and since we do a lot of travelling during the holiday season, that can be helpful.
We also are going to Toys R Us the morning after Thanksgiving (bright and early) to hit the specials for the children we have to buy for. We are hoping to save money on Christmas this year.

Also something that my boyfriend and I came up with is, since we both love to keep buying each other presents, and don't know when to stop, we set a certain # this year. We are buying 1 big gift for the two of us to share, and 2 gifts for each other (individual gifts). We calculated everything out, and we are spending 1/2 of what we did last year ( and that's just by limiting the # of presents for ourselves!).

-LAUREN-


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DEEDUM's Photo DEEDUM Posts: 1,618
11/19/07 11:38 P

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My shopping is done! Preplanned it and budgeted it and have accomplished my goals as of today. Now, I need to realize that DONE IS DONE and not do anymore.Keep in mind, my sons and daughter inlaw birthday are within 2 wks of Christmas, so double wamming on the budget, but that is planned and done also! I feel organized this year,,yippee!

Key: plan it, keep it simple, useful, budget!



Edited by: DEEDUM at: 11/19/2007 (23:44)
.at least 8 cups water daily
.stay within calories range
.three fruits and 3 veggies a day
. no eating 2 hrs before bedtime
. no white foods
. get 8 hrs of sleep


HEATHER_MARU's Photo HEATHER_MARU Posts: 3,619
11/19/07 9:41 P

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Projected Total Budget: $700

Christmas, Dec 25th
Kids Gifts - $400 ($133/son)
Rest of Family - $100
Travel - $0 (not traveling)
Decorations - $20
Food - $150 ($50 for brunch, $100 for dinner)

New Year's Eve, Dec 31st
Fireworks and toasting beverage - $30

Wow that's a lot, and I think that these numbers are less than what I usually spend. This year, we've already decided to not get gifts for each other (hubby and I) and I usually do $200 per kid and I don't even budget the food. Wow, I mean, wow! I sure hope there's some good deals out there this year! :-)

"The best day of your life is the one on which you decide your life is your own. No apologies or excuses. No one to lean on, rely on, or blame. The gift is yours - it is an amazing journey - and you alone are responsible for the quality of it. This is the day your life really begins.”
Bob Moawad

Having trouble staying on track with a busy Summer? The Holiday to Holiday Challenge Team may have just the motivation you need!


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HEATHER_MARU's Photo HEATHER_MARU Posts: 3,619
11/19/07 9:13 P

Reply
emoticon emoticon emoticon emoticon emoticon
I do it, you do it, we all do it. We all spend at least a little more (or a lot more) than we plan on spending each holiday season. This challenge is all about changing that.

We're going to create a budget for how much we want to spend for our impending holiday (Christmas, Hanukkah, Kwanzaa, Yule, etc). We'll state how much we Plan To Spend, and make an itemized list so we can stick to it (food, children gifts, extended family, friends, travel, decorations, etc). Then every week we can check in to see how much we have spent already and how much we have left.

**For an added challenge** I encourage everyone to take a percentage off the top and try to SAVE that much (try for 10 percent or whatever you feel comfortable).

*** STARTS NOV 23rd ***
We'll start the day after Thanksgiving and wrap it up on Jan 1st. We'll check in every Thursday and on New Year's Day.
Feel free to include any New Year's plans in your budgeting if it will help you. This challenge is all about what will help you to save money during the hardest time of the year to do so.

GO US!!!
emoticon emoticon emoticon emoticon emoticon

Edited by: HEATHER_MARU at: 11/19/2007 (21:15)
"The best day of your life is the one on which you decide your life is your own. No apologies or excuses. No one to lean on, rely on, or blame. The gift is yours - it is an amazing journey - and you alone are responsible for the quality of it. This is the day your life really begins.”
Bob Moawad

Having trouble staying on track with a busy Summer? The Holiday to Holiday Challenge Team may have just the motivation you need!


 current weight: 148.0 
 
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