
Be careful what you praise your children for doing, because they'll do a lot of it.
Be careful what you criticize your children for doing, because they won't want to do it anymore."







It was definitely a learning experience and I do think that some of our bad habits were broken (or at least weakened).
store after we get paid for groceries for the week.During this last pay period we tried a new tactic where we divided up the money left over after paying our fixed bills and groceries so we each got an equal amount of “fun money” that we could use for whatever we wanted. This has also worked well for us b/c it means that Brian can go have a $50 taco night and I won’t freak out about it b/c it is “his” money and if that means he can’t buy anything else for the rest of the pay period, it does not affect me and vice versa.

One other encouraging thing that I realized that doesn’t really have much to do with No Spend Month is that when we got married we had seven different payments for debts that we owed. In a year and a half we have gone from seven payments to two and we have reduced our total debt by one third. It is really encouraging to look at how far we have come, even though we have a ways to go.
In July our focus is going to be to try to start eating better and fresher. One thing we found is that in going shopping at Walmart every two weeks, we have been eating a lot of packaged quick foods and we both feel gross and sluggish. So the goal for July is to incorporate more fruits and vegetables into our diets and we are going to start shopping at the farmer’s market or at a real grocery store like Harris Teeter for our groceries. So if you have any good suggestions for eating fresh, keeping fruits and veggies from going bad, or good recipes, please send them my way!

Time for a quick update for how our No Spend Month is going.
I don’t know that it can necessarily be classified as a “No Spend Month” anymore. I would say that we are still succeeding pretty well in the eating out area. We have only eaten at restaurants 6 times in June compared to 14 for the same timeframe in May. We are down over 50%.
We went to Yorktown this past weekend for a wedding that I was in. This was also something that was planned before the No Spend Month was established so there were some expenses that went along with it like getting my hair done, dress alterations, and suit alterations for Brian that were unavoidable. I mean I guess if I was super committed I could have done my own hair but…I wasn’t. Maybe next time.
Our Wins for June 9 – 20
Jen – Yesterday morning we were out of coffee and I didn’t even want to stop at Starbucks. I just drove right by it and had a diet coke instead and avoided the caffeine headache I usually get.
Brian – He really wanted to buy a cigar a few times and used self control. Someone at work ended up giving him one out of the blue which was exciting.
Our Wins
We have successfully eaten the food we bought the grocery store for dinner instead of going out to eat b/c we didn’t feel like cooking.
Our Rooms for Improvement
Brian – Brian went out with the boys for tacos one Thursday night. Originally he was supposed to use a gift card that ended up being totally confusing and unusable (NOTE: Restaurant.com gift cards are not the greatest gifts). So my expectations were pretty high. I thought maybe he would spend like $20 and $25 max but hopefully closer to $15. The bill ended up getting split equally and Brian paid twice as much as I thought he would. To say I was upset is putting it very lightly. Livid, About to Cry, Wanting to Gnash my teeth and heap iniquities upon him is more accurate.
This leads us to…
Jen – The same week of the Taco Night Debacle, I ended up spending $14 for a foam roller for running, $25 for Bible Study snacks that I hadn’t planned on, and $8 for something else that I can’t even remember now. As I was getting angry enough to cry at Brian about what he spent at dinner, I was convicted that I had spent literally the exact same amount on unplanned things that I didn’t need to. It was a glaring reminder of how hypocritical I can be – holding Brian to a higher standard than I ever set for myself. I give him a hard time while he gives me grace every time I mess up.
We have had a few other areas for improvement this week but I don’t need to go into all the gritty details. I think we are learning how hard it can be to delay gratification, to not get what we want when we want it, and to spend conservatively for things like gifts and times with friends.
I am thankful for grace. We don’t have to be perfect. And if all we do is get our eating out at restaurants under control, I will call this month a success.
But we still have 9 days to go and I am hoping we will finish well!
So I analyze our spending down to the penny. I make excel spreadsheets and figure out that we spent 26% of our income on diapers and formula and 15% on eating at restaurants. I come up with spending reduction goals and tell Brian that we can each only spend $6 a day.
And then something happens. I like to call it the Romans 7 principle:
“I do not understand what I do. For what I want to do I do not do, but what I hate I do.”
The
day after I make my decree, I stop at Starbucks (because I’ll get a headache without my morning coffee) and get a breakfast sandwich (b/c we were out of
granola bars) and I tell myself it is okay b/c I will eat lunch at my desk and have soup for dinner. And then my coworker says, “Let’s go to Chick-Fil-A” and I say, “OKAY” (b/c who can turn down Chick-Fil-A???). On the way home I stop at Target to pick up something we need and end up spending $150 (b/c I need some more totes to organize baby clothes and eye makeup remover and 17 other things I did not intend to buy) and then I get home and all we have is pasta with no sauce and Oreos so I decide we really must order pizza (b/c I also have to have pizza at least once a week). And then I feel guilty for eating out so much and spending money so I just decide to not look at our bank account until it’s time to pay the bills again and I hope we stay in the black. It is a great system, Right?
As our babies get cuter and cuter (and cuter) and more fun, my desire to stay at home with them increases exponentially. And when we have Baby #3 it will become a necessity (b/c childcare costs are whack and believe it or not, working is actually pretty freaking expensive).
But in order to make that possible we have to be disciplined with our finances in a few ways:
I have a renewed focus on all this because we spent a little too much last month and, as a result, we are making June a No Spend Month. I heard about this from my favorite blog, Small Notebook (www.smallnotebook.org) and I am looking forward to the challenge. Basically, you don’t spend money on stuff you don’t have to (like eating out, stuff you want but don’t need, trips, activities, etc).
We have talked about it a few times but that’s all it was – talk. So now we HAVE to do it. I think it will be difficult and that a lot of our bad habits will be revealed and tested. But I know that it will be beneficial and if we can actually make it through to the end, we will be better for it. I will keep you posted on our progress.