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Home > No spend Day... and $20 challenge!

No spend Day... and $20 challenge!

January 10th, 2007 at 04:33 am

Alright, so with all the hubbub, I never got the chance to start my $20 challenge for the year. I dont have my goal set yet, but I did count up all the change I've accumulated since the 1st and it's all in the piggy. I set aside 20 bucks in an envelope, so now it's time to roll. To date, I've contributed $5.13. I think I'm gonna hop on the bandwagon and add $1 because it was a no-spend day. That brings my total total to $6.13.

Initial $20
Change $5.13
No spend $1
Year Total $26.13

I not only finished up some organizing... ended up with yet another bag of trash. I turned all the lights off in the living room and opened up the blinds. I also packed my dinner to bring to work rather than getting snacks out of the vending machine after going to the gym. Woo! Being frugual can be quite fun.

I found a quarter when cleaning up, which was part of the change I added to the challenge. I thought about the saying, "a penny saved is a penny earned." I like it, and I've decided it's an ideal to live by. That's why I started putting all change from my day's earnings/purchases into my piggy for the challenge.

I'm so happy that things are getting back to normal. My bank account should be back to normal by thursday. Thank goodness. I hate carrying all this cash on me.

My second loan for the year was approved. That's a relief, I guess. But every time I think about how in debt I'm becoming, it's awfully scary. Perhaps I should go back to aggressively paying on it? I'll be up to $110 in interest per month alone come next week. It's pretty bad. Thank goodness I'll be picking up a second job over the summer. All extra income will go toward the debt. Or to save up for the following semester. Once my bank account gets back to normal I have to make a payment. Grr. This whole $600 overdraft BS is starting to get on my nerves.

Work has been slow this week, I'm hoping it will pick up a bit this weekend. I've got the next 2 days off. More time to hit the gym and finish preparing for the semester. More eating at home and less eating out. Perhaps I can get away with 2 more no-spend days for the week? I hope so.

Ah well, I better stop rambling. It's time for me and BF to watch a movie I borrowed from the library. Yay for free entertainment!

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