November Stockpile Challenge and Spending.
So I am participating in the November stockpile challenge. Same reason as always, I want to rotate my stock.
This time I am broke and tired. Tired of having stockpile coming out of my ears and having to move something to find something else. LOL, Broke because I am buying way too much "stuff" using the 10%.
Time to add a few rules for myself.
I am going to try limiting my retail amount I buy. The below 10% normally takes care of itself between my buying with competitor coupons, store dollar off coupons, incoming mirs, stockpile trades and yardsales.
For a spending limit, I think my retail cap should be $1000. Which is about 1/3 to 1/4 of my normal retail buying.
That should be pretty hard for me since I use so much in coupons and there will be bunches of sales for November.
The other thing is to limit my outside of the home eating. I will limit myself to 4 times. Yeah, I can do that.
Time to put the nuts, bars and some fruit and water back in the car for "incase" my blood sugar drops. No excuse to hit a drive through or convenience store. Well I can still look for q's - just not buy anything. 
The stockpiling cap for my retail will include everything except
milk, bread, produce, and soda. Which is truly all I should be buying.
Those necessities will fall in a budget of $100 for 3 people and 2 pets. Generous, but we eat a lot of fresh produce and out of season produce.
The reason I am still buying stockpile and choosing to set a cap on spending instead of a STOP on spending - I have 10 relatives I supply with my freebies after q's.
So after I re-thought about me quitting the stockpiling efforts - it's really not fair to them for me to just quit - especially at this time of year.
The $1000 limit is a big deal because I bought 750 in retail just yesterday (sunday). Yep zero oop since I got it for than $50.
I figure a limit of buying $1000 retail for stockpile purchases is the bare bones for us. This is turkey, seafood, salty snacks and other holiday items stockpiling season. This is the time of year when I get most of our baking and pantry supplies.
Trying to abstain from these sales will be hard, really hard.
Here are my other budgets/restrictions:
Eat out 4 times for the month. Yes, big deal!
I normally have 3 or 4 holiday parties for the remainder of the year. Not sure which ones I will get this year. LOL, so I budgeted accordingly below.
I expect to have incoming money to offset these expenses.
DS birthday: gc's since I normally have mirs for these.
A birthday party $55
cake 25
ice cream 10
sodas 10
chips and dip 10
Thanksgiving dinner $140 for 30ish people
my side and/or spouses side (xmas or thanksgiving )
Thanksgiving dinner
$75 honey baked ham
3 sides
greenbeans with ham $5, potatoes $5, mac n cheese $8 and or stuffing/dressing...stockpile
2 desserts banana pudding $6, jello no bake cookie n cream double batch $6
paper supplies...cups $5 plates$16 napkins$3 4 sister schubert rolls and 2 reg packages of cheapie flake rolls $12, tea/sodas $5
Black FridayBlack friday:
I am limiting to $25 a person (for appearance but, will spend less) and $100 on ds's xmas gift items. Many of these will be gift card items for mir's.
I provided a dirty santa party for the inlaw side of the family last year. It was a tremendous hit and I am doing it again this year. Most of these gifts have already been purchased and scavenged from the stock pile. I still need a few kiddie gifts, flashlights, sears tool type gifts.
So I will still keep up with every penny, even my black friday sales and holiday parties, cap my spending, stay below 10% oop, and have a budget for essential items of $100.00
Budget:
$100 essential/grocery/hh_____________
$1000 retail totals (excluding above) __________________________________
black friday _______________________
actual spending _____________________
yardsale __________________________
mirs _____________________________
stockpile trades ____________________
eating out limited to 4 times __________________________________
This time I am broke and tired. Tired of having stockpile coming out of my ears and having to move something to find something else. LOL, Broke because I am buying way too much "stuff" using the 10%.
Time to add a few rules for myself.
I am going to try limiting my retail amount I buy. The below 10% normally takes care of itself between my buying with competitor coupons, store dollar off coupons, incoming mirs, stockpile trades and yardsales.
For a spending limit, I think my retail cap should be $1000. Which is about 1/3 to 1/4 of my normal retail buying.
That should be pretty hard for me since I use so much in coupons and there will be bunches of sales for November.
The other thing is to limit my outside of the home eating. I will limit myself to 4 times. Yeah, I can do that.
Time to put the nuts, bars and some fruit and water back in the car for "incase" my blood sugar drops. No excuse to hit a drive through or convenience store. Well I can still look for q's - just not buy anything. The stockpiling cap for my retail will include everything except
milk, bread, produce, and soda
. Which is truly all I should be buying.Those necessities will fall in a budget of $100 for 3 people and 2 pets. Generous, but we eat a lot of fresh produce and out of season produce.
The reason I am still buying stockpile and choosing to set a cap on spending instead of a STOP on spending - I have 10 relatives I supply with my freebies after q's.
So after I re-thought about me quitting the stockpiling efforts - it's really not fair to them for me to just quit - especially at this time of year.
The $1000 limit is a big deal because I bought 750 in retail just yesterday (sunday). Yep zero oop since I got it for than $50.
I figure a limit of buying $1000 retail for stockpile purchases is the bare bones for us. This is turkey, seafood, salty snacks and other holiday items stockpiling season. This is the time of year when I get most of our baking and pantry supplies.
Trying to abstain from these sales will be hard, really hard.
Here are my other budgets/restrictions:
Eat out 4 times for the month. Yes, big deal!
I normally have 3 or 4 holiday parties for the remainder of the year. Not sure which ones I will get this year. LOL, so I budgeted accordingly below.
I expect to have incoming money to offset these expenses.
DS birthday: gc's since I normally have mirs for these.
A birthday party $55
cake 25
ice cream 10
sodas 10
chips and dip 10
Thanksgiving dinner $140 for 30ish people
my side and/or spouses side (xmas or thanksgiving )
Thanksgiving dinner
$75 honey baked ham
3 sides
greenbeans with ham $5, potatoes $5, mac n cheese $8 and or stuffing/dressing...stockpile
2 desserts banana pudding $6, jello no bake cookie n cream double batch $6
paper supplies...cups $5 plates$16 napkins$3 4 sister schubert rolls and 2 reg packages of cheapie flake rolls $12, tea/sodas $5
Black FridayBlack friday:
I am limiting to $25 a person (for appearance but, will spend less) and $100 on ds's xmas gift items. Many of these will be gift card items for mir's.
I provided a dirty santa party for the inlaw side of the family last year. It was a tremendous hit and I am doing it again this year. Most of these gifts have already been purchased and scavenged from the stock pile. I still need a few kiddie gifts, flashlights, sears tool type gifts.
So I will still keep up with every penny, even my black friday sales and holiday parties, cap my spending, stay below 10% oop, and have a budget for essential items of $100.00
Budget:
$100 essential/grocery/hh_____________
$1000 retail totals (excluding above) __________________________________
black friday _______________________
actual spending _____________________
yardsale __________________________
mirs _____________________________
stockpile trades ____________________
eating out limited to 4 times __________________________________
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