I know it is early but I am not leaving the house until it is time to go to work , so I am adding my dollar to the challenge for not spending today. I was hoping to hit $1000 by February but it looks like I will be about $200 short oh well

I spent a lot today, $20 for gas and $52 at Target. What a waste I bought 2 pairs of pants (one I will return)and 2 shirts. I know I am making excuses but it seems like I never have a thing to wear so I am always buying some sor of clothes

Ok today was payday and things did noy go plan but I was able to save something, my uncle took my car today to the shop so I have to hold off from adding and thing that was left over to the EF

$130 EF
$25 New home/challenge
$20 Tuition account
$20 Car account
$20 Misc account
$132 Electric
$39 Home phone
$67 Cable
$20 Student loan/challenge debt
$20 tithes
$25 Ira

So far I have stuck to the plan/resolution regarding eating out, haven't done it this month. However, I have been shopping...this is what got me into debt in the first place, at least I have not used the cc. But tomorrow I will return some pants I bought from Penney's that will be about $15.00. But today I bought a silver ring and a pair of pants about $28 total

Ok today was payday and I paid every bill I think of as well as socked away some. It is amazing that when you don't have cc debt you cn see the bulk of your money so here is what i did:

$200 EF
$25 IRA
$10 Misc Account
$20 New car account
$20 Tuition account
$20 Fun Money
$100 $20 challenge/new home
$20 Offerings
$21 $20 Challenge/Debt
$28.08 Gas
$60.52 Verizon
$15.00 Prescription
$8.50 personal care
with over $200 left I am so happy I feel like I am living now (not living check to check)

I know it is early but I know today will not be a spend day so I am adding $1 to the challenge home and debt. My first contribution this year a total of $2.00

$20 challenge/hm (YTD)$1.00 bal $282.69
$20 Challenge/Debt (YTD)$1.00 bal $884.03

Ok I just finished up the dinner calendar for January and part of February, so when I hit the grocery store I will only buy what's for dinner. This should save me a ton on the grocery bill. I also decided to keep a price book of common items I buy at the grocery stores and do a price comparison with the sale items in Sunday's paper along with my coupon I should sve some money here. It's time consumming and when I lived on my own I use to do this I have no idea why I stopped my groery bill was 3x less than what I pay now
Anyhow I did the shopping for today's dinner which should last until Tuesday and total was $36.22 that includes snack for work and breakfast so I made out ok

I paid bills today, I am so happy because this is the first time in my life when I can actually I do not feel like I am living check to check. So today's spending:

CC $263 paid in full
Cell phone $25
Cable $65.87
X-mas gifts $58.66
Tithes $20
Dining out $9.74
Personal $40 (hair, I was over charged )
Student loan $20.00
Water $41.39

It seems like I spend more in december than any other month every year. Spent a lot today, $40 at the hair salon, $8 lunch , $10 donation to my friend's daughter dance group and $59.76 to cc debt. Howver, I am a little upset because I added about 50 to the cc shopping for X-mas yesterday but tomorrow is payday from the part time job and we get our bonus on Friday I am hoping to pay it (cc) off.

I returned some shoes I purchased a couple of weeks ago because they started to tear. I have no idea as to why, I was a little upset because I really liked them but they no longer had my size. maybe it just wasn't suppose to be, then I ad to return some jeans because they were too small so I have a little more than $70 credited to my cc but I ended up using $20 of that to get some face powder which will last me at least two years

Today was pay day and all I did was pay bills. I did however managed to sock away $485 which was part of my bonus and included my bi monthly contributions to my IRA account I also was able to keep $320 for myself:

Expense Categories
Bills : Cellular 68.15
Bills : Online/Internet Service 60.42
Bills : Student Loan Payment 20
Charitable Donations 20
Insurance : Automobile 207.44
Final loan pmt to my brother 100
Taxes : Federal Income Tax 359.42
Taxes : Medicare Tax 32.48
Taxes : Social Security Tax 138.88
Vacation : Travel 100
Total Expense Categories 1,106.79

Grand Total -1,106.79

Today I spent a total of $33.73
sales tax: .69
Lunch $3.72
Groceries $18.94
Job exp (non reimbursed) $2.19
Personal care $8.19
not too bad for the day, however I have not had a no spend day for a while

I don't know I can never go in the store and buy what I need and come right out of there. Today I hit Macy's...I needed a pair of black tennis shoes ( I have a thousand pair of shoes and not one pair of black ones go figure) Any way I was in the store and picked up a pair of $75 Ninewest shoes for $22.50 as well, now that I am home and taking a closer look at my checking account I decided I will return tomorrow before I change my mind and am out $22.50 o foolishness...I also have the MP3 player to return first thing this weekend that was $60. When I get the money from my rebates I'll use that to get an MP3

I spent a lot yesterday and did not realize it until I was entering in my transactions

$15.00 prescription
$60 hairdresser
$4.53 sales tax
$59.88 MP3 player
$50. Loan payment to my brother
$5.38 Eye care (saved 2.00 with coupon)
$14.05 groceries

I think I will definately return the MP3 player

I spent no money today so I am adding $1 to my challenge/debt. Yesterday I bought a slice of pizza (2.00) so I am adding that as well

New total $759.68

I needed some color ink so I headed to Office Depot. I picked up the ink, colored note cards and photo paper coming to a total of $43.41m by using my $5.00 coupon for the ink I was able to save at least the $5.oo. So I am adding that amount to my cc debt...I would have paid that anyway with out the coupon

New total $762.68

Well I hit the store to make my Holloween grab bags for a few of the kds. I am happy because I did not need to buy any candy, I always buy candy after certain holidays (it's on sell)so in all I spent $12 for the holiday.

Happy Holloween!!!!!!!! I can't wait to see the kids today

well I ate out today for lunch..I could not find my coupon for a free lunch I also treated my co-worker so I paid $15.45. I also ate out yesterday...with all the mess going on with Bush being here in FL I was starving and stopped at the first fast food place I laid eyes on. Any how, to make up for the money I spent dining out I paid it on the CC

New total:$2265.58

No spend day today so another buck on the cc new total $2285.83

So another dollar was added to the challenge/debt fund. I am rockin' and rolling now

New Total: $2286.83

Prior to coming to work I had to hit Publix which cost me more than it would have, had I gone to Walmart; but that place drives me crzy. Any way I spent $44.47 here is where it all went:
1.20 sales tax
1.25 for a news paper
$9.90 for disposable utensil and container because after what I saw at work on Friday I will not be using anything in that kitchen
$32.12 on groceries
I was able to save $.75 with my coupon so that was a plus

Added another $1 to the cc debt because today was a no spender and I am heading to my part-time job therefore, I can't spend any money

Paid another $1.03 on cc because it was a no spend day

Previous Total $2305.74
New Total: $2304.71

$130.00 EF
$10.00 Misc Account
$25.00 IRA
$20.00 Student loan
$25.00 CC1
$100.00 CC2
$72.20 CC3
$20.00 Tithes
$162.57 Electric
$65.87 Cable
$39.31 Bellsouth
$100.00 Loan repayment (brother)
$13.84 Targe CC (paid in full)
Total $618.79

I have been so lazy for two days in a row I have eaten out for lunch and then tomorrow again...I promised a friend I would meet him for lunch. The today bought me a Vera Bradley bag that I have wanted for a while so I decided to treat myself ($85) but I guess we can splurge once in a while

Today was another not spend day so I added another buck to the challenge/debt brining my new total to $2572.59 and then I added $.59 to the challenge/home account brining my new total to $26.96
I have to keep remebering that every little bit helps

Well we got paid today, so I am happy. Paid a ton bills but atleast I still have some extra cash...the car maybe going into the shop so I can't add any extra on th debt than what I already have
Today's spending:
Loan Payment to my brother: $100
Cellular: $68.20
Water:$43.08
Tithes: $20.00
CC debt: $115
Student Loan: $20
Groceries:$29.46
Personal Care:$5.76
Sales tax: $1.09
Total $402.59

And I started the day off right, "no spending" so I am adding a buck to the cc debt. This is the month that I am taking frugality by storm. I plan on not eating out at all except for Monday, I promised the boss we can go over to Sweet Tomatoe since she missed the free lunch on Friday (me and my big mouth)but atleast I am not paying for her, it's every woman for herself. Also my goal for the month is to cut CC debt in half and up EF to $1500.00.

Previous CC debt $2726.39
New toatl:$2725.39

Ok I am doing pretty well I did not spend any money today so I am paying a buck to the cc company/challenge

Previous Total:$2390.34
New Total: $2389.34

Oops in checking my account I actually owe $2387.16 that's even better

Today was a no spend day, my co-worker treated me to lunch that was nice. So I decided to add a dollar to the challenge and pay my CC a buck. I wanted to see if it would allow such a small transaction and I was really surprise it did so I am down by a buck

New total $2392.34