In the past I have put the no spend challenge into place in order to pay off debt. This time I had no money in my savings and a little debt in place. First, I should explain the little bit of debt I came in contact with.
It’s not debt as in on my credit card, but taken out of the money I keep in my checking each month in order to make sure all bills are paid when they are due. I have always, and always try to keep that checking number at a +$2000. This month I had to take $400 out in order to buy some things in Colorado.
I didn’t go to Colorado this month, but instead of friend of mine (or should I say ex-husband) offered to help me with my crazy shed (post later). He also offered to bring me the last of my crap he somehow managed to dig up. He also was kind enough to offer to bring me anything I needed. SInce I live in a smaller area without a Costco, I took him up on the offer. I asked for a few bags of dog food, cat food and a trip to Ikea thrown in for good measure. I could have done without the trip to Ikea but I figured since I don’t spend money because I really truly have nowhere to spend it, that a one-time Ikea wouldn’t be a problem.
I had to wire him the money right away to make sure he could pay for all the items by the time he came to visit. That left my checking account under the normal $2000. In order to bring it back up I enacted a no spend month. I couldn’t handle any sort of debt and no emergency savings.
Since I live in the middle of nowhere and I truly don’t spend that much anyway, I knew one month without spending money was a piece of cake. I even went further to live out of my freezer and pantry and not buy any groceries. Seriously, it was easy and now I have no debt (technically it was a loan from the bank of me lol), and a small savings. I was also able to continue to contribute to my IRA and nothing bad came of it. I cleaned out my pantry and have found I don’t need to replace most of the food. I think I overstocked the last few shopping trips, and won’t be refilling most of it back up.
Would you enact a no spend month?- FBS
After working in the ER of a busy hospital for the past year, I realized that death comes at all times, ages, and places. Nothing else has brought me so close to the death process than seeing people awake one minute and completely still the next. It made me more appreciative for the days I have and the quality I put in my life.
Fast forward a year later and I working at a nursing home. I have become more in tune to finding quality of life. Working with amazing people has allowed me to see that life is a gift no matter who you are or the age. It has also given me the knowledge that sometimes we all need a little help, but it shouldn’t take away from living a full and happy life.
Both of these experiences has allowed me to find what I want in life more than what I think I need. It has made me strive for quality versus quantity. I now make choices more for happiness and less for what others think or are doing.- FBS
My money mindset came from growing up poor. I can’t say I was the poorest kid on the block but once my mom and dad split at a very young age, I no longer knew what a regular life looked like. We struggled to have food on the table, a place to live, and forget about anything new or even used (like clothes). It was a hard way to grow up but it has shaped me into who I am today. For that I am grateful, as I would not be who I am without the struggle to show me that progress is worth it.
It’s taken me a long time to realize that struggle is worth the pain and suffering. I could easily do without little things like candy or coffee in order to save money. I could not, however, struggle harder or longer such as with a new crazy job without wanting to give up instantly. I have in the past, given up instantly. It was an easy way to live life, but it didn’t make life any easier.
Enter my new Job
This job has opened my eyes up to so many new ways of thinking. I can use my customer service skills, my reasoning skills, my interpersonal skills, my investigative skills, etc. This has allowed me to grow as an individual and given me therapy beyond any vision I ever had in the past. It has also allowed me to accept every part of me, even the parts I thought I already accepted.
I accept my past, my present and my future. I am who I make myself out to be and I will only grow and continue to be amazed at myself. I may have come from a past without money, but it the current I have enough to be happy, fed, and relaxed. I can enjoy life and I will do just that.
I started out in a situation where I didn’t know if I would have food or shelter and it continued through my life. I struggled to survive while trying to enjoy the things I loved. I tried to enjoy working on computers and my home and playing music, all the while in the back of my head I never could relax. I could never sit down and just be and enjoy life. I thought I was enjoying life, instead all I ever was doing was surviving.
Everything Changed the day I took my new Job
I no longer have to worry about every day. I can’t say I’m not broke at the moment, because let’s face it house repairs, new AC and washer / dryer wiped out my savings account, but I no longer have to live to survive.
Even in my marriage life was unpredictable. Life was a never ending challenge with more downs than ups. It still has it’s challenges but the lows are followed by highs, which in turn are followed by calm. I never knew that there was time to be calm in life except when I pushed myself to meditate. Now is the time I get to enjoy calm.
Life may not be calm every day and I might not even have the job I have today, but I will enjoy what I have now and enjoy it one day at a time. No more living to survive. Today I start a real life.
What’s your money story? Did it shape the way you handle money today? What are you doing to change that?- FBS
My emergency fund was eaten by my new washer and dryer.
After saving for a shed, and air conditioning I thought I was done spending money. Of course the universe always likes to have the last laugh and send more expenses my way. Thank goodness I laugh back because I have an emergency fund.
Goodbye to the Washer and Dryer
My washer was a wedding gift from my Ex’s father. His family had purchased it and used it for quite a few years. This poor washer had it’s motor replaced, but was still working like it was new. They gave it to us at the time, because it was out of warranty. If it ever needed a new motor or something else it wasn’t going to be worth replacing. I gladly took it as my washer and dryer came from a thrift store and was (if I was lucky) from the 70′s. The washer I was given was digital and seemed very high tech although I am sure it was at least 12 years old at the time.
I had no issues with the washer until most recently. After moving the entire house it seemed as though some things were broken and just not working properly. The washer, being one of those things, started saying overloaded when having anything big and wet in it. Things like blue jeans or towels would send it into a tizzy and it wouldn’t always spin during the last drain cycle. I could usually get it to spin and drain, but it required taking out the heavy / fully wet things to get it to work again.
The other day the washer started turning itself on for no reason. It was my day off so I was out doing yard work. I kept coming in the house for various reasons only to hear a beep. I eventually figured out the washer was making the noise. It was on and ready to wash. I turned it off only to find it turn back on in the matter of minutes. I unplugged it while I finished my yard work. I came back in and plugged it in. It kept beeping, but then I couldn’t turn any of the other settings on unless I messed around with it. I knew it was beginning to die.
Having a roommate I knew I needed to get a new washer right away. We both could have used a parent’s home or paid for wash, but it wouldn’t have been ideal. Paying for wash is quite expensive in this area and most places have attendants that wash your clothes. Something to do with people that would wash things not made for a washer or dryer and basically ruin the machines. Parent’s aren’t ideal either especially because we all work on different schedules.
After talking to my roommate about local options i.e. local paper, craigslist, used appliance places, etc. I decided I would go check out businesses to see what sort of extras they offered. I was worried about getting the old set out, and not having a truck or someone to lift a large, heavy appliance I was afraid getting a used set might leave me with the same problem in another year.
I checked out a store that had a sale on all appliances. I knew this was huge because as luck would have it I checked out a couple of washer and dryers the last time I was there. I had already looked up a few different brands online for reviews, so I had an idea of what I wanted. The reviews helped me narrow down the ones I wanted, so I went looking for a decent price.
Once at the store I wanted to make sure I could get free delivery, free haul away, and free hook up all the things used appliances wouldn’t come with. I compromised on a pair that just seemed to do everything I wanted. They had a decent price and although I would be decimating my emergency fund I knew it was the right purchase. I would have never purchased new in the past, but since living on my own I realize I cannot do everything myself. Even though I spent more than I originally wanted and came home with a dryer, I am very happy with the purchase.
Have you ever purchased new for ease of hauling, installing or removing?- FBS