Budgetober Challenge! 2024

Week 2, net result. $13.73 over.

I wanted to do this challenge to push me out of my “comfort zone.” Even if I plan meals, I tend to just buy what I want. Typically, I spend around $50-$75 on groceries for us weekly. I tend to ignore the long-term storage items: dry beans, single items in the freezer, etc.

The reason I picked such a low number was to force myself to run out of things, push my menu planning, and use up some of the pantry goods I ignore too much, like dry beans, canned milk, etc.

It HAS done that, but I expected it to do that about the middle the 3rd week, not the beginning of the 2nd!

Right now, I have an agenda item to look at the cost of the frozen juice concentrate vs a 1/2 gallon of cider. I think the concentrate is a lower cost, but it makes less as well? Dunno, more research req’d. Last time I figured it out, cider was cheaper.

Week 3 Menu Plan
Sa (hadn’t said what we ate) zucch-potato soup, apple/bean casserole, sweet/sour cabbage saute. (The soup was made last month, we ate on it for a couple of days. The apples were part of the PYO apples a few weeks ago. The cabbage came from the garden, the peach pulp was from the peaches given to me by the farm neighbor.) DH bought himself ice cream. I have no idea how much he spent, and I don’t want to know. He bought 2 different types of vanilla from the chi-chi store that had been our town store… my guess is that he spent nearly $20 for < 2 pints of ice cream. I do NOT want to know!

Su 1 egg pancakes for breakfast. (DH usually uses 2, but we only had 2 eggs in the house!) Need to bake bread as we’re on the last of the prefab loaf.

Prefab ? I have 1 burrito, tamales, and enchiladas. Not sure if I have any refries. I DO have cooked pinto beans in the freezer to use up. We’ll have some of the cooked pintos with cheese along with whatever prefab Mexican.

M Spaghetti ________ cook 2x as much pasta as needed for tonight’s dinner.
Tu Squash (only have 1 acorn squash) and hamburger patties, thaw 1 lb and also make meatballs.
W LO pasta. fried pasta with breadcrumbs, butter, parsley.
Th Meatball soup and cheese tortillas
F Egg salad sandwiches? If we have bread…
Sa Bean ______

Groceries needed: eggs, coffee, milk, juice, corn tortillas and that will take all of the remaining $12 left after my overspend last week! I used 1 of 2 of my cans of condensed milk the past few days in my coffee.

[✓] i will pull 2 packages (1/2 lb each) of ground beef and a pint of cooked pintos out of the freezer today.[✓] I also need to make up a batch of Mexican bulgar for the freezer, for future use.

I forgot! We’re OUT of onions and potatoes… sigh. I sense another week of overspending in my future. I can get a small package of tortillas. I was already planning on buying 6 eggs instead of a dozen, if the price works. (If not, I’ll buy 6 from my neighbor at a few cents more.) I don’t need onions until Friday with the soup, so I can manage with the partial onion I have and buy 1 large one. I don’t have potato anything in the menu this week, so I can maybe pass on buyng those until next week.

I’m going to do the grocery shopping on Monday, because if I have any $ left, I’ll use it to get cheap produce at the farm Tues. If I blew the budget, I’ll pass on the farm and just use whatever I’ve got.

Spent $12.44, had $11.27 available, so I"m $1.17 OVER budget, even without buying coffee! (Added $2 to that, so $3.17 over.)

1/2 gallon of milk
1 sweet onion
street taco tortillas No corn tortillas anywhere in the market?
6 eggs *Now $1.99, instead of the previous $1.58, but less than the $2.08 I saw at another branch of this market
frozen OJ.
I added $2 to the overage: tomatoes, peppers, and an eggplant. Veggies are 1/2 off at the farm store Tu - W and there’s a freebie table. the peppers and eggplant came from the freebie table, the $2 was 5 large roma tomatoes, for next week’s Italian potato-cheese casserole.

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Week 2 checkin:

No pilfering from other envelopes, but I did discover an accounting error from the beginning of the month. It resulted in me draining my 100 Envelope Savings Challenge (over $100). :disappointed: So I now have $10 of other Savings Challenges money for any spending over and above what’s in any of the envelopes. :disappointed:

I am concerned because Miscellaneous is down to $10. That’s my change for attending crafting get togethers, etc. I may have to excuse myself from some get togethers for a while.

Expenses this week:
$30.00 haircut
$8.63 laminating sheets
$2.29 hair elastics
$5.52 spool of thread for tote bags (business)
$5.75 permanent markers

$52.19 Total Week 2 expenses

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spent a bunch eating out this past week, which was in line with my goal for socializing with friends and also engaging with the local arts scene. Perhaps the shadowy one and I shouldn’t have also done a night out, but also, wouldn’t be fair if I was always the one eating out. something to keep an eye on.

to balance out the eating out, and keeping in mind that we’re going to be moving out of the house in the new year (date tbd), we have done inventory of the freezer to keep eating down the food there.

I am also adjusting the 2025 budget to include a monthly gym membership. We have space to pull from transit and food spend.

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Week 2:
Groceries: $43.04/$100

Eating out: $0/$100

I had one dumb mistake this week with the grocery budget - I forgot to cancel an automatic weekly delivery. Stuff we will use, but it took up $15 of the budget.

Been getting a lot of free food this week, unexpectedly! A neighbor shared some foraged mushrooms with us and another neighbor put out a free box of oversized zucchini. Between that, the last of the summer garden produce, and the pantry, things feel pretty easy.

Planning ahead: I’m going to Costco with my sister this week, so the plan is to make a list focused more on household items/dog food/non-grocery, and be pretty strict with what I get in the grocery category.

I think there also will be a trip to a pumpkin patch later in the month, which I’m going to :sparkles:wave my budget wand​:sparkles: and exempt from the grocery budget. Tis the season for pumpkins and apples, after all, and I don’t want to miss the chance to stock up when they’re in season!

As far as eating out, I’m planning on a treat for tech weekend next week, and mr krmit and I will be going out for dinner after a matinee performance at the end of the month, which will likely bring us close to that budget. I’ve been making the occasional latte at home when the craving strikes.

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6-Oct to 12-Oct = $183 of $500

  • $28.34 dinner for me n’ my XO at a burger joint.

The hurricane done fucked everything up, and we had to duck behind the Keys to ride it out. Saw 100 knots on the anemometer. I decided I deserved a burger after that.

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Here is a direct link to the food plan PDF

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There might be a better place to ask this and I apologize if so, but are there printable versions of the sheets in A Cat’s Guide to Money? Like the expense tracker? I just got my book and I don’t want to mark it up.

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week 2 check-in:

managed to categorize all expenses again, yay! Glad I looked since there was one confusing one that I had to talk to my partner about from our shared account; turned out I had been in arrears on paying her back for the tax impact of being on her insurance (which is taxable for her, though it “costs” nothing directly; we agreed I’d cover her taxes since it is far cheaper than any other plan I could have, and her insurance kicks ass more than any other plan I’ve had even through an employer, except for no HSA contributions which I had banked for a few years a couple jobs ago and still have a large balance for a rainy day).

Found 16 “fluff” items this week to ponder cutting back (5 charity expenses…I hate to call them fluff but I could budget them better and buying the lady who asked for money on the street a meal was a bit above and beyond my norm).

…But also had some fun (one-time) income - turned up some 48 year old savings bonds a few months ago and finally got them cashed in and the deposit hit my account today. I guess some family member bought a half dozen $25 bonds back in '76 within a year of my birth “for my future” and they had been stashed away with my baby pictures until my mom made me take what I wanted from the stash last Christmas, and the bonds were part of the “take”. I didn’t expect that they’d have multiplied 5x in value but I guess even so, that was still a verrry long low-interest loan to the government even so if you do the math (which I didn’t except estimating).

Was proud of myself for spending only $5 on halloween costumery, reusing a bunch of old stuff including my partner’s cheaper makeup!

Onwards through the fog!

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Check in week 2!
117,74$, for a monthly total of 273,56$.

Summary

A bit disappointed, because at least 40$ of this total has been for unnecessary snacks that have all been eaten, as I have an unhealthy habit of using food as a coping mechanism/overeating because of stress/boredom/etc.

However, the next weeks will be for stuff I consume daily like soymilk and bananas, I don’t need to buy stuff to prepare meals, I’ve already bought everything! So it will be lower for sure. This week I cooked a butternut squash soup, and tomorrow I will make my white bean stew.

Cheers to another week! :slight_smile:

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We had two grocery trips this week and total for the month is right around $120 ($100 costco and $20 Safeway). This is a bit over the goal of $50/week. However $50/week may not have been realistic. We spent ~$60 of this on convenience foods (breakfast sandwiches, toddler pouches, and frozen pizza) which is over a full week’s budget! I am torn because we could have been more frugal but we also avoided takeout. Toddler is getting 3 molars and pouches have been the most reliable way to feed him this week. Ultimately I think it was the right move as October is a very busy month for us. We shall see how the rest of the month shakes out! There was no stocking up though, which is a huge win!!

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You should mark it up! Don’t be precious about it. But yes there is for the budget

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Check-in #2

Everything is still going smoothly! Still no dining out spending yet, although I have been getting more little treats from the grocery store. Nothing too out of the ordinary yet, but I’ll keep an eye on it. I used to track fun snack-y stuff in a separate category, but it just didn’t work for me after a while.

All my annual doctor’s appointments and things ended up being scheduled for these past two months, which means all the labwork and followups ended up in October. I managed to blow through my entire FSA amount for the year in only a few weeks :sweat_smile: I don’t usually add too much to it, but now I know I can raise my contributions a bit next year. I guess I could’ve realized that I’d go through it quicker since all my copays went up when the new financial year started in August.

I’m going to try and do some meal planning today to keep that dining out spending nice and low!

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My budgetober goal was meal planning and weekly shops. I’m doing OK on that front but last night had a strong craving for a burrito. I didn’t say I couldn’t eat out but I better make last night’s planned dinner tonight…

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I’m accepting that I can meal plan for 3-4 days at a time. Not more. More and it is Overwhelming ™. But I can work within these limits…

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Second check-in!

Unfortunately my goal of spending less than $4000 per month is shot because we are getting some long-needed plumbing issues fixed. I guess I will recast and say the goal is to spend under $4000 outside of the plumbing costs which add up to almost 5k. Send good plumbing thoughts.

Grocery goal: I did great last week at eating leftovers. This week, including this morning’s grocery shop, I spent $84.14 on groceries. That puts me up to $205.07 grocery spending for the month.

Overall under $4000 goal: For the month I have so far spent $1390.73. Mortgage still to be paid though, so it’s gonna be close.

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I’m the same!

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Thanks! I’m one of those people that I have a hard time not being reverent of books, except text books (and that took a bit). I’ll try thinking of it as a text book and see. I appreciate the pdfs.

I love how readable the book is! A friend recommended it to me as a resource for neurodivergent friendly personal finance and they are right.

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This is what I’ve settled on too! I can plan the next 3-4 days of dinners. Our schedule, and my ability to forecast and control my own meal desires, won’t extend past that.

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Checking in for week 2:

Groceries: $671.83/$800.00
Baby: $131.96/$500.00

I did two very small grocery runs last weekend, basically for fresh veg to last us through the week, and then we did a massive stockup this past Friday in preparation for baby’s arrival. Lots of freezer and pantry goods – our freezer is bursting, as are our canned good shelves. I’ll be doing a bunch of batch cooking (got a double batch of chili on the stove right now!) so that we can make our freezer burst even more.

I’m really looking forward to not having GD any more. GD is expensive.

With luck, we’ll maybe need to do one more grocery shop for some supplemental fresh veg, but honestly we are so well stocked right now, it’s a total pandemic flashback.

Baby things acquired – more footie pajamas (we only had like 2 pairs of footie pajamas that fit a 0-3 month old, so uh, I’m glad we got some more), infant Tylenol so that we’re stocked, and then a little carton of formula so that we have it on hand if breastfeeding proves troublesome and we need to supplement.

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Check in #2

Income: no paychecks this week but $125 in tips. Both paychecks this coming week.

Credit card: balance is $516.37, about the same as last week due to a situation that will be explained below. I think I can still get the balance down to $250 or less by the end of the month but I made a mistake

Fitness: spent $21.40 to stock up on a supplement I use regularly that had a good sale.

Indulgences: so the day before my boyfriend’s birthday I found out tickets to his fave band were going on sale for a show in December. I agreed to be the person to put all the tickets on my credit card for me, him, and our other friend. I was kind of rushing to do this at my lunch break at work and accidentally purchased them through a 3rd party website where not only were they overpriced but also had an extra awful fee situation that I didn’t notice while doing a Apple Pay thumbprint checkout. Due to shame, more panic, wanting to get the boi a nice birthday present, and the other friend being between jobs, I told them both not to pay me back. $-346.55 :sob::woman_facepalming:t3:. Other items in this category pale in comparison: decaf for the office stash, a soda, ice cream, an audiobook I purchased rather than using a credit because it was on sale by a lot and that made more sense.

Soooo thanks to my concert ticket fiasco I have to be super careful the rest of the month to meet my credit card payoff goals but I can do it. I also bought a lot of groceries the first half of the month (not tracking that category) so my partner can do a bit more of that the second half.

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