We love Dave Ramsey here and we listen to it a lot. We follow a lot of his advice and things in his book. We don't do the cash envelope system. I"m sure it would benefit us but we just aren't that into it. I hate carrying cash around. I have gone through phases of keeping track of our money. Not really a budget but seeing where our money goes helps me to spend less or adjust my spending. I use an excel spread sheet. Within the last few years I started using Mint.com and I have liked that it brings in the info from our bank accounts and I can sort them into which category they go in. I am amazed at where our money goes. Even when I think I"m being so good it still finds places to go.
So I am determined to be better I have heard of doing a no spend week or month. I am going to see how far I can do it. I have most of christmas shopping done just a few things left for grandparents and stuff, but the kids are all done. So I want to do it in dec.
Another motivation to do it is to clean our our pantry, freezer and actually use a lot of our canned food I have made. I want to use it up and make sure we don't have food going bad in our pantry.
I found a can of evaporated milk in my cupboard yesterday it EXPIRED in 2007!!! Now when did I have to buy that for it to expire in 07? I don't even know obviously I don't use evaporated milk often enough to have it in my cupboard. Things like that. I know I have some ravioli that expired this year and I feel like its still find to eat. But it needs to be done soon. So that is part of this no spend month. I want to use up a bunch of stuff I have in the freezer, help clean things out.
I really really think I can do it if I put my mind to it and really use some self control. Its only a month. If I really need or most likely want It can wait for a month right? think about it, research it for a month and then buy it if I still want it after that long. I am an impulse buyer and I feel like its gotten a little crazy lately so this will put a stop to it. This is for my accountability.
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