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My Challenge savings from past month

October 3rd, 2007 at 07:54 am

Well, I haven't kept exact track of where all my little bit of savings has come from in the past month or so, but I've been putting $$ away regularly.
My savings came from:
-cash paying clients
-extra cash that I overbudgeted for the month
-paid surveys
-....and I don't know where else - I'm just glad it ended up in my savings envelope! Smile

Previous Balance $784
PLUS $512
Current Balance $1296


August 14th, 2007 at 09:34 pm

I had a cash paying client today (I clean houses)
So that's $40 into the challenge.
I always have to put this money into the challenge right away, or it gets spent. Smile

Previous balance $744
plus $40
Current balance $784

adding to challenge

August 8th, 2007 at 08:27 am

Well, it's been a couple weeks since I've blogged about my additions to the challenge....

$5 - paid survey
$10 - 10 loads of laundry hung on line
$40 - cash paying client
$25 - found on my desk after I cleaned it off - what a nice surprise! Smile

Previous balance $664
Plus $80
Current balance $744

$50 toward challenge

July 11th, 2007 at 09:15 pm

I had a cash paying client today, so I'm putting that $50 toward the $20 challenge before I spend it. Smile

Previous balance $614
Plus $50
Current balance $664

Saved 65% on groceries

July 9th, 2007 at 04:40 pm

Today at Albertsons I saved 65% on my grocery bill. Included in my savings were GM Honey Nut Cheerios at $1.00 a box after coupons and Free Elecrasol Tabs for the dishwasher. Yay!

Spent $22.98
Saved $41.94
Total Savings 65%

garage sale money

July 9th, 2007 at 04:29 pm

My mom had another garage sale - and did really well - over $700! I gave her a few of my things to sell and made $44 from that. I also hung a load of laundry this week, so I'll put $1 toward the challenge.

Previous total $569
Plus: $45
Current balance $614

Tips on what to do with money, please! :)

July 3rd, 2007 at 10:29 pm

Well, dh got paid today, so I was doing the budget. I realized I had over-budgeted for our envelope system (spending real cash makes us spend less money than using a card) So I am putting the extra $50 into the challenge, as well as $40 from a cash paying client.
Since this is now my "new car fund", I'm also adding $100. I hope I'm not changing the $20 challenge too much by doing this. It just helps me to save that $100 if I pay it to myself at the beginning of the month, instead of waiting toward the end to see if we have any money left over.

My question is - Once my challenge reaches $1000, I'd like to put it in some kind of account so it will earn some interest. I'd like to keep it somewhat liquid. Any suggestions? Maybe a money market acct?? What do you all do with yours?

Have a great Independence Day, all!!!

Previous balance $379
Adding $190
Current balance $569

Saved 56% on groceries

July 3rd, 2007 at 10:19 pm

Today I did my weekly grocery shopping at Albertsons, combining coupons with the sales.

I spent $30 and saved $37, so that would be a total savings of 56%. I've done better, but still consider over 50% to be good enough for me! Smile

Spent $30
Saved $37
Total Savings 56%

This money is going into my challenge b4 I spend it!

June 30th, 2007 at 01:33 pm

I have $74 dollars in my wallet and I don't really need to buy anything. But I know if it's there, it will probably get spent. SO, I'm putting it safely away into my $20 challenge. Smile

Previous balance $305
Plus: $74
Current balance $379


June 29th, 2007 at 05:13 pm

Well, this past week I sold a brand new clock (one of five that we recieved as wedding gifts - I guess people didn't want us to be late anywhere!!) Smile on Craigslist for $18 and hung 5 loads of laundry on the drying rack, so that's $5

Line drying clothes hasn't seemed to affect our electric bill at all, but I think the culprit might be my husband. Smile He changed the thermostat for the attic fan, so now it runs almost constantly. I think I'll sneak up in the attic today amidst all the insulation and spiders and fix it to how I like it. Smile He'll never know. Wink

Previous balance $282
Plus: $23
Current Balance $305

No car payment for me!

June 20th, 2007 at 08:44 am

This past weekend we had a multiple family garage sale and I made $62 total,
plus I had a cash paying client, so $40 from them to add to the challenge.

I am amazed at how much I've saved from this challenge in less than a month!
I've decided that my challenge money will be going toward my replacement car fund. I would like to pay cash for our next vehicle instead of having a car payment. Some say that you'll always have a house payment and a car payment.
I don't want a car payment if I don't have to - I think it's just throwing away money, when you can save up for it and pay cash.

Previous balance $180
Current balance $282

love cash paying clients!

June 13th, 2007 at 03:38 pm

I had another cash paying client today, so that will be another $50 to add to my $20 challenge. I love cash paying clients, because then that money goes into the challenge now instead of my spending it who-knows-where. Yay!

previous balance $130
current balance $180

Coupon Savings

June 12th, 2007 at 02:37 pm

Well, I just got back from the grocery store and unloaded all my "prizes". Smile
I love using coupons! It's just like a game. - see how much money you can save. Smile I try to never buy groceries at full price. (doesn't always work out that way though) :-

I spent $41.04
I SAVED $56.91
I figured that out to be a savings of 59%!

Thanks for looking!


money I had forgotten about... $20 Challenge

June 8th, 2007 at 04:12 pm

My sister owed me $40 from awhile back that I had forgotten about. I'm putting that toward my $20 Challenge, since I didn't miss the money in the first place. He he... it's funny - if I lend someone some cash, I almost always forget about it, so if they never pay me back, it's no problem! Smile
Anyone need to borrow money? I'll forget that you owe me! Smile Just kidding! Smile

Oh, I also hung a load of laundry - $1 for that.

Previous balance - $89
Current balance - $130

Where was this money going before??

June 5th, 2007 at 02:54 pm

I just recently started the $20 challenge and am amazed at how fast all the little bits of cash add up! Before, I would just keep the money in my wallet and eventually spend it - probably on something that I didn't really need. Now, it's safe and tucked away in an envelope, waiting to be invested eventually. Smile

The past few days I've added:
- $10 for kitchen appliance sold on
craigslist (I'm spring cleaning and
selling or throwing out anything I
don't really need)
- $3 for 3 loads of laundry hung on a
rack instead of the dryer
- $40 for a cash paying client. I have
my own business cleaning houses and
decided to save the money if clients
give me cash. (most give checks)

Previous balance - $36
Current balance - $89

adding to $20 Challenge

May 30th, 2007 at 01:32 pm

Ok, today was a good day for saving! Smile
I sold a mirror on craigslist for $15
and also hung a load of laundry instead of putting it through the dryer, so gave myself $1 for that.

Previous balance: $20
Current balance: $36

Brag Blog of grocery savings!

May 30th, 2007 at 12:12 pm

I'm starting a new category, titled "My weekly grocery savings".
I use coupons, sales, double coupons and all that every week at my local grocery store. At the end of the receipt it always says how much you saved.
So, I thought I'd do a brag blog of my grocery savings. - More to motivate me than anything else, as I look back over my savings when I get in a coupon "rut" and don't want to deal with coupons anymore. Smile

Well, this week was an awesome week!
Altogether, I saved $43.91.
I SPENT $16.47
That's a savings of about 73%, if I figured it out right. Yay!! Usually I don't do that well. Smile

SAVED $43.91
SPENT $16.47

Thanks for looking!

My $20 Challange

May 29th, 2007 at 06:05 pm

I just registered and have been reading posts about the $20 Challenge and thought I'd start one also. I know, I'm about 6 months behind those who started in January, but that's ok - saving is saving, right?! Smile

Some ideas of mine are:
-spare change and $1 bills
-stuff sold at garage sales and on craiglist.
-using the clothes rack instead of dryer
-not buying something that I really want
-any extra money that comes my way!

I'm not looking to save up Thousands of dollars, since we already pinch our pennies just to get by - already make lunches, no Starbucks, use coupons, etc.

Any ideas that you use for the $20 Challenge would be appreciated!
Thanks for reading!

Challenge Total - $20!