The November Spending Freeze.

FISCAL FASTIt’s the middle of November, and I still have not quite put myself on a budget.  I’m sort of doing the cash thing, but I’m mixing online purchases with my cash categories and going a bit crazy trying to balance it all out.

October ended up being a bust, budget wise, but I gave myself a pass on that.  I will not give myself a pass on November.  Even though 1/2 of the month is past, I can still salvage the last half and slow my spending down to a, well, halt.  I’ve spent a lot of money so far this month, some of which I considered necessary. ( i.e. cleaning service, Weight Watchers membership).  Obviously, those will end once I’m back on my feet and in good enough shape to exercise and clean myself.

However, the big money suck has been spending on miscellaneous stuff I haven’t budgeted for, including some Christmas gifts.  Even though I’m halfway through my Christmas shopping (thanks to online shopping), I want need to slow down and make sure I don’t fall into the trap of a holiday spending frenzy that seems to happen this time of year.

Do people really need to do this?

So, I’m putting myself on a spending freeze.  One week of not buying anything but food and gas.  This will give me a chance to do a budget and make a plan.  Time to get back to the basics.

How is your November spending going?  Keeping holiday spending intact? Anyone else want to slow down the spending and stop for a week?

Getting into the Christmas Spirit….

I know, I know, it’s not even Thanksgiving yet…but I thought I was doing well by getting half of my Christmas shopping done….

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until I saw that Liam is way ahead of me!

Five things Tuesday.

I have some fun stuff to share with you today, and wasn’t sure how to label it, so it’s Five Things Friday on Tuesday!

  1. Exciting College News!  My son was accepted into one of his choice colleges with a $12,000 scholarship!! Woot!
  2. SAVINGS!!!! Shop online at Kohls for Christmas NOW! If you have a Kohls credit card there are amazing online savings deals going on today.  Besides the sale prices you can save 30% with coupon code: PIES30, and $10/$25 with VETSDAY10 which you can use together!  Great savings, AND you get KohlsCash back as well.
  3. I lost 2 lbs on my 5th day of Weight Watchers and, more importantly, I don’t feel deprived. :)
  4. One of the BEST yogurts I’ve ever tasted: Dannon Light & Fit Greek Yogurt Blends in Chocolate/Raspberry.  2X the protein and only 2 pts. on WW.  Add a tablespoon of whipped topping and you have an amazing dessert.5.  Last, but not least, I’m almost done with my Christmas shopping!  I’ve done a lot of my shopping online.  With free shipping, it’s been a breeze.

A gift to myself.

Unfortunately, that number is a little lower than where I’m starting…

Yesterday I bought a three-month membership to Weight Watchers.  In May 2009, I reached lifetime status and had successfully lost 25 lbs.  Unfortunately, as happens when you are not paying attention, I’ve gained all of my weight back.

Over the summer I had been using MyFitnessPal, (which is free).  I lost some weight, but I believe running had a lot to do with it.   Since I’m not ready to exercise, I need to concentrate on the food end.  I joined Weight Watchers for the support system and weekly weigh-ins.  I need that right now, and I’m willing to pay the monthly fee to do it. ($42/mos with online/meeting access).

I also found a wonderful cooking blog that caters to light cooking and WW points values.  Gina at Skinny Taste offers some tasty recipes and gives out the nutritional values, which will be very helpful.  And I especially love the assortment of crockpot recipes.

I’m excited to get started.  First meeting is next Thursday.

Wish me luck!

Anyone else on Weight Watchers?

A surprise birthday present for me.

I was so excited for this year’s cross country season.  It is my son’s last year to run, and I wanted to be there for every meet.  Unfortunately I ended up missing more than half of them because of my recent health issues.

Last week, my son’s team ran in the District race and advanced to Regionals, which means another chance for me to see him run!  The  race is today, on my birthday.  What a wonderful gift for me. :)

Oatlands - Joey 2So.very.proud.

Only 52 days until Christmas!

It’s the beginning of November and every store has donned its Christmas decor and supplies.

Do you have a plan for your holiday spending?  I found this graphic from Dave Ramsey’s site and thought it was an appropriate reminder. :) !

Happy shopping!

Keep Calm and Make a Budget - daveramsey.com

 

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