A Week of No Spending

There’s nothing like trying to find ways to save money when you don’t make money. These budget series posts were created out of the desire to share what I have learned about alleviating some of the soul-crushing stress of living paycheck to paycheck – and the things I’ve learned that have helped me move away from that life. Please note that I am not, in any way, a licensed financial professional. None of these tips are guaranteed to make you money or save you money; they’re simply different ways of thinking about and using money that one person who doesn’t make much has learned over time.


I have recently become moderately addicted to Megan Fox Unlocked. Seriously, y’all. She’s so sweet and genuine. Totally worth checking out.

I watched a video not too long ago where she tracked what she spent in a week. I thought I might put a spin on it and try to go for a week of no spending other than groceries and gas. And to hold myself accountable, I’m going to take a picture of everything I buy that isn’t a grocery or gas.

Sunday

Flooring

I talked a little bit in this post about helping my mom redo the floors in my dad’s office. I spent pretty much all day Sunday working on that (10am – 5pm) so it made it really easy to spend.

That said, it was really challenging to resist the urge to say, “let’s go out for dinner” to D. I had planned to be done with the floors on Saturday, so I had a more complicated dinner planned and the idea of cooking after all that work was like… ugh. It ended up being fine and we cooked, but it definitely was a good reminder that adapting the plan can help save money – ex. I knew I was going to be tired by the end, so I should have pulled a crockpot meal from later in the month and used it on Sunday to avoid the temptation to spend money.

Sunday Total: $0.00

Monday

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My parents cat, Frank, is basically a giant teddy bear.

I knew on Monday that I was going to see my parents after work. I stayed there for about an hour and by the time I got home, made and ate dinner and started thinking about homework it was close to 9pm. So, I did some homework and went to bed, which made it very easy to not spend any money.

Monday Total: $0.00

Tuesday

I got a hardcore chocolate craving around 2pm on Tuesday. I usually keep some dark chocolate in my desk drawer, but I spaced at the grocery store this weekend. There’s a little on-campus convenience store so I walked over there and got some chocolate milk & Reeses Sticks (aka deliciousness) for $3.

I also totally spaced when I planned to do this no spending week because I had scheduled dinner with two of my friends a month ago. I wasn’t about to cancel because our three schedules don’t line up easily, so instead, I got a water and an appetizer for a total of $9.53 + tip.

Tuesday Total: $15.23

Wednesday

On Wednesday night, I knew that we needed to pick up D’s prescription, so I made some delicious pot roast in the crockpot and we went after dinner.

Our grocery store, Meijer, allows you to accrue points towards money off. We had a $6 off coupon so when we decided to pick up a few extra things, we ended up spending $0.67. I don’t think groceries fall into the no spending category, but since we also got a fancy drink, etc., I’m going to count this.

This was also the day that D and I decided that we’re going to do this for the entire month of March.

Wednesday Total: $0.67.

Thursday

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Y’all. I was so tired on Thursday night. D has a standing meeting on Thursdays so I headed to my parents directly from work. I was there until 7pm-ish and did homework until 8:15pm, when I promptly got into bed and zoned out with some Desperate Housewives (I’m newly re-addicted). So, a super-easy way to not spend any money!

Thursday Total: $0.00

Friday

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I didn’t get any good pictures of Friday night because I was too busy enjoying myself. D and I went to Chik-fil-a, which is somewhere we went to when we thought all was good with their donating and since the more recent news, we’ve stopped going. But, from before now, we had reward points, so we went and had a free dinner and then to our friends’ house. We picked up the girl scout cookies we ordered in February and a set for my parents. Delish!

Friday Total: $0.00

Saturday

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On Saturday, I spent the most of the entire week! My bff and I try to get coffee once a month, and this Saturday we went to Biggby for basically the entire morning, 7am – 2pm! Seriously everything my soul needed. I’m not even kidding. We laughed and cried and it was pretty perfect and totally worth the cost of three coffees – $16.82. This was an eye-opener for me, y’all. Because, legit, on Tuesday, I spent almost $5 less to go out to dinner!

So, I’m never going to stop getting coffee with my bestie, but I’m definitely going to think twice before getting the sugary kind.

Saturday Total: $16.82.

Grand Total

$15.23 + $0.67 + $16.82 = $32.72

So, in order to figure out what I saved, I had to figure out what I usually spend on things that aren’t groceries and gas. So I went through five weeks of spending and averaged it. The average for five weeks: $152.83

When I found that number I was horrified. If you multiply that by the 52 weeks that are in a year, you get $7,947.16.

Y’all. That’s a car, a vacation, half a down payment on a house. Holy smokes.

With a grand total of $32.72, I saved $120.11, which if you multiply by 52 weeks you get $6245.72.

So, I definitely will be doing this again hahaha. I don’t know that it’s realistic to do this every week – D and I like to go out to dinner. But I don’t seek why I couldn’t be more intentional about saving.

I think I’ll track this for the month of March and I’ll let y’all know what I come up with at the end! For now, this savings is going straight into my savings account and I am thrilled.

For more posts about budgeting, you can find all the posts here.

A. Rose (1)

 

 

How to Budget When Your Income Fluctuates

There’s nothing like trying to find ways to save money when you don’t make money. These budget series posts were created out of the desire to share what I have learned about alleviating some of the soul-crushing stress of living paycheck to paycheck – and the things I’ve learned that have helped me move away from that life. Please note that I am not, in any way, a licensed financial professional. None of these tips are guaranteed to make you money or save you money; they’re simply different ways of thinking about and using money that one person who doesn’t make much has learned over time. 

Like this topic or just want to know more? You can find the full series here


I’ve been thinking lately about the fitness / wellness posting that I’ve been doing and how it’s easy to think that’s my main priority if you don’t know me. I recently told a friend that one of my primary motivating feelings is safety: I do certain things because I want to feel safe – particularly, because I want to feel financially safe. Even exercising and eating healthy is, in some ways, about that: healthy people spend less money on doctors, etc. As I was explaining this to him, I found myself saying that is the topic that I really want to focus on here.

Changing Income

So, a little background about me: I currently am in, essentially, a salaried job. I get paid hourly, but I have enough and accrue enough PTO throughout the year that I haven’t had to go without full pay since I started working here three and a half years ago. I also work Monday – Friday, 8am – 5pm. This is really dreamy, but wasn’t always the case.

For the majority of my adult life I was either worked a shift job as my full-time job, or I was working two jobs and one of them was a shift job. So, for nine of the last 12 years, my income has changed week-to-week. When I wrote this post about budgeting when you don’t make a lot, I think that what I really wanted to talk about was how to budget when your income changes. So, let’s get started.

*Quick note: I am using whole numbers because it’s easier. You’ll want to look at your pay stubs to figure out how much gets taken out for taxes. I typically assume that about 10% is being taken out for taxes and that helps me to always come in under budget.

Figure Out Your Minimum

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Let’s say that I make $10/hour.

Usually, I work eight hours a day, five days a week. So that’s 8 x 5 = 40 hours a week. 40 x $10 = $400.

The key word there is “usually.”

Sometimes, I work as few as 5 hours a day, four days a week. Sometimes, I work as much as 12 hours a day, six days a week.

Track back through the last six months and figure out the week you worked the least amount of hours because that was what you were scheduled for. If you worked zero hours because you were on vacation or sick, that doesn’t count.

In this example, the least I worked was 5 hours a day for 4 days a week. 5 x 4 = 20, so 20 hours a week. I make $10/hour, so 20 x $10 = $200. $200 a week for four weeks, $200 x 4 = $800.

That $800 is what I need to base my budget on.

Fixed rates

From there, I figure out what’s a fixed rate. Usually, rent is a fixed rate, or has a “base rate” if you look at your monthly statement. Some common “fixed” rates are:

  • Rent/Mortgage
  • Cable
  • Credit Card payment
  • Insurance(s)

For this example, I’m going to use even numbers because it’s easier to do math that way. Let’s say that your fixed rates look like this:

  • Rent/Mortgage: $200
  • Cable: $50
  • Credit Card payment: $20
  • Car insurance: $60
  • Renters/homeowners insurance: $40

If we add those things together, we get $370. So then, we subtract $370 from $800.

$800 – $370 = $430

Variable Rates

With the remaining $430, we want to overestimate the remaining categories of the budget. Those categories might be things like:

  • Gas
  • Food
  • Fun Money
  • Miscellaneous
  • Savings

For two people, we would divide that up to look something like this:

  • Gas: $150
  • Food: $250
  • Fun Money: $15
  • Miscellaneous: $5
  • Savings: $10

$150 + $250 + $15 + $5 + $10 = $430

Every single dollar is accounted for. That’s really important. When we don’t have things categories, we spend it on stuff we don’t need. I’m sure there’s psychology behind why we do that – and if you know why, I would love to know! I just know that when I don’t have money in a bucket, I spend it, instead of saving it.

I was told that you should pay yourself first, meaning that you should put into savings before you do anything else. I think that’s a great goal to strive toward. I also think  it isn’t always realistic. There have been many times in my life where after gas and food, I had $11 that got swept into savings. I think the important thing is to always put something – even if it’s 50 cents – into savings. This helps create the habit so that when you do have a surplus, it gets put away.

What about when I make more?

Yep. I know. The burning question.

First, it’s important to talk about why it was based on the least amount you made: You have to have a game-plan for those weeks. If you go into a week where you’re working half what you usually work with no game plan, you’re just going to be panicked the whole entire time. But if you’ve got a game plan, you can more forward just a little bit freaked, rather than full-blown panicking. Ya feel?

So, in the example, we said usually, I work eight hours a day, five days a week. So that’s 8 x 5 = 40 hours a week. 40 x $10 = $400. $400 per week for four weeks… $400 x 4 = $1600.

That’s literally double.

What I did that saved my tail is that I doubled up on the things with variable rates (and actually sometimes quadruple the miscellaneous category) and instead of doubling the fixed rate items, I tossed that into savings. Let me show you what the original budget looked like and then I’ll show you what it looks like with double the income.

Original, based on making $800 per month:

  • Rent/Mortgage: $200
  • Cable: $50
  • Credit Card payment: $20
  • Car insurance: $60
  • Renters/homeowners insurance: $40
  • Gas: $150
  • Food: $250
  • Fun Money: $15
  • Miscellaneous: $5
  • Savings: $10

All those things together, $200 + $50 + $20 + $60 + $40 + $150 + $250 + $20 + $15 + $5 = $800.

Doubled, based on making $800 per month:

  • Rent/Mortgage: $200
  • Cable: $50
  • Credit Card payment: $20 + $20 = $40 (I’m assuming $20 is a minimum payment)
  • Car insurance: $60
  • Renters/homeowners insurance: $40
  • Gas: $150
  • Food: $250 + $250 = $500
  • Fun Money: $15 + $15 = $30
  • Miscellaneous: $5 + $15 = $20
  • Savings: $25 + 485 = $510

All those things together, $200 + $50 + $40 + $60 + $40 + $150 + $500 + $30 + $20 + $485= $1600.

So, those may not be super realistic numbers because probably your car insurance is more than $60 per month. And, maybe there’s a month you have three kids birthdays in a row so you need to put less in fun / savings and more into miscellaneous. Also, if you have debt hanging out on your credit score, you may opt to throw money there rather than into savings. Whatever, you do, make sure that money is assigned a name.

Also, I understand that things are not going always be as clean as it just doubling. I recommend adding more money to food first and then adding to the other categories because food lasts the longest (longer than a fun night out, for example).

The trick is to not add too much (so that extra is going into savings) and to spend to your limit.

I know it feels weird to put money into savings when you have a hole in your shoe and haven’t gone out to eat in three months. Your savings account is what keeps you from literally becoming homeless if you get sick, lose your job or your car dies. Your savings account handles the big picture while the rest of your budget is about the day-to-day details.

Hopefully, this process, done enough months in a row will make it so that you don’t have to borrow against the future.

How Can You Possibly Spend that Much on Food?

The answer is: not eating out.

You totally could spend double your budget by eating out, but then when your income suddenly plummets, you and your family will be very hungry.

So, if you all of a sudden have double the amount to spend on food, buy extra of things that go in the freezer – meats and frozen fruits and veggies, not pizza rolls. I also highly recommend that you purchase things like cough syrup and stomach aids when you have extra – those things sneak up on us when we’re sick and so it’s wise to have them in the house. Especially if being sick means you’re not working!

Take stock of your life and figure out what you use often – or what you don’t use often that is a quarter full. Things like salt and spices keep for a really long time, so buy an extra.

Spend ahead as best you can and when you’re maxed out on kitchen space, I also recommend buying for holidays way ahead of time, especially for adults. If you have space, I also encourage you to buy extra shampoo, soap (of all kinds – body, dish, laundry), socks, underwear and even shoes if you have a kind you love. My father buys shirts on sale and saves them until one he’s already wearing has a hole in it. Things like reusable travel containers also help cut down on disposable sandwich bags, etc. The same with washcloths instead of paper towels.

If, at the end of the month, you’ve spent $450 instead of $500, go out to eat if you want. Or put it into savings. Either one is fine – I’m not going to judge you and you shouldn’t either.

This Post Left Me with 1,000 Question

I feel you. I tried to keep this as simple as possible, but I know it’s not easy. I would love to hear questions, feedback and corrections!

You can comment down below, email me at intricatelyimperfect@gmail.com or DM me on Instagram.

I would absolutely LOVE to do an entire post of just your questions about money!

Happy saving, my friends!A. Rose (1)

Week One at the Gym

I shared in this post that I wanted to challenge myself to go to the gym 30 times between February 26 and April 8. I met with a personal trainer in mid-February who drew up a plan for me – 5 workouts a week: 2 upper body, 2 lower body, and 1 full body. The upper and lower body workouts are a little over an hour; the full body is a 2-mile run and time will vary.

I had originally planned to do a big post after 30 days, but by the third day, I needed something more than a lengthy goal, so I thought it would be good to check in after the first week and sum up what the first five days (does anyone remember that song The First Five Times?) were like.

February 26 – Day 1

Day 1

Day 1 was upper body. It started with a 20-minute run/walk and then moved on to mostly free weights. I felt energized and excited when I was done, but by 2pm I was basically toast. It was really hard to fight the urge for an additional cup of coffee.

I did not allow enough time for everything that was included, so there was a circuit of three things that I was supposed to do three times that I only did one time.

Summary: I need more time than I think because not feeling rushed is important to me when I’m learning something. 

February 27 – Day 2

_Day 2

Day 2 was lower body, which still involved a lot of free weights. I’m really grateful that this plan doesn’t have me tied to a million machines. That morning, I noticed that I was, again, the only woman in the gym that early. Maybe because where I go is small? I was feeling a little achy from the day before, and I need to get better about allowing time to stretch both before and after.

The last exercise was dumbbell lunges and y’all… I barely made it through the first 10. I did a second rep of 10 and stopped, and didn’t do the third rep. I felt terrible for not completing it – when it was about not having enough time that made sense to me, but when it’s because my body can’t? That’s not something I’m used to. I felt kind of crumby for most of day two.

Summary: New disappointments are harder to navigate than ones I’m accustomed to.

February 28 – Day 3

Day 3

By day 3, I wasn’t entirely sure why I was still going. It’s been freezing cold here (in Michigan) and my car doesn’t heat up quickly so I leave for the gym freezing cold. I had class the night before so I didn’t get home until 9pm, which means I wasn’t even relaxed (let alone asleep) until around 10:30pm. That 5am wake up was basically impossible. I was grumpy and decided I was just going to do the full-body workout – the run.

Over the summer, I was running a little over a 5K (3.8 miles – the distance to my parents house) in 43 minutes. When I was at 15 minutes for 1 mile, I was ready to just throw the towel in.

Y’all this is the real – I’m giving it to you straight. Wouldn’t it be boring to hear another “exercising is the greatest thing ever! I love every minute of it!” I’m not going to lie. Working out does make me feel better but the process this day was crap.

Until I hit 1.5 miles. I told myself, “1.5 miles is 75%. If you got a 75% in your class, you would be doing all the extra credit in the world.” So, I kept going because I don’t actually like to do things half-assed. And it was a shitty half a mile, but the music was great and I felt better all day knowing that I had kept going.

Summary: When everything sucks, make sure you have good music because then it will suck less. Also, sleep is really important.

February 29 – Rest Day 1

Rest Day 1

Y’all, I couldn’t do Day 4 after what Day 3 was like. And I don’t mean that to be that I was giving up. I knew I wanted to keep going, but also that my mind wasn’t in the right spot for it. So, I decided on Day 3 to commit to at least one day of rest.

It was less rest-y than probably most days: my parents hired me to put in new flooring in their office. So, I pulled up carpet. And tack strip. And 10,000 staples. It was a workout all its’ own. I got home late (around 7pm) and tried to take some quiet moments for myself. My body was grateful for a long shower and some time in a big, comfy chair.

Summary: Rest is far more important than I usually allow it to be in my life. 

March 1 – Rest Day 2

Rest Day 2

On Day 3, I had committed to going back on Sunday (March 1), but the floors took longer than expected. It was cool to think about my body a little differently on that day. I could lift boxes and get up and down. I tried really hard on this rest day to think about my body as capable, rather than limited.

It was nice to do that on a day not in the gym because I think it set me up well for Day 4 – I highly recommend giving that a shot!

Summary: If I make it less about this idea of going to the gym and more about the idea of learning about my body, I have a better attitude.

March 2 – Day 4

Day 4 (1)

Day 4 felt like Day 1 in terms of my attitude. How crazy that I so seriously needed those rest days?? It was more mental than anything. I was doubting my abilities and feeling overwhelmed without realizing that was what I was feeling. Does that ever happen to you with things like this?

This was the second upper body workout and it also started with 20 minutes of running. I felt like I had better endurance on this day than I did on Day 1, which propelled me forward in a great way. The rest of the time was spent mostly with free weights and a handful of machines.

The only struggle I found myself having was that I wore leggings with no pockets, so I didn’t have a spot for my phone and headphones, so I carried them from spot to spot. Which was just annoying, not like, a serious problem.

I’m doing a no-spend week, but I think I might purchase one of those earbud cases that hooks to your keys when I have the chance to spend again. Or I might just actually purchase a second pair of leggings that have a pocket. I should update y’all on the status of my closet because there have been some major changes since the last time I posted about it.

Summary: I really like upper body workouts and never knew that before.

March 3 – Day 5

Day 5

Day 5 was a leg day and the day of my biggest revelation. I don’t hate leg day (I feel like that’s a thing that people talk about). I actually enjoy the sore feeling after. What I hate, and what I think probably caught up with me in that weird Day 2 & 3 space is that I need the run to get my brain moving.

I like the calculation of running for a length of time vs walking for a length of time. I like how lost in the music I get. Running is something that I know intimately and have done for most of my life. I  think I need it to boost my confidence because I’m doing so many things I don’t know. So, I’m going to add in 10-15 minutes of it on leg day because that’s what I need.

I discovered that my gym doesn’t have kettlebells so there were two exercises I couldn’t do but y’all – I killed those dumbbell lunges that I struggled with on day two. And by killed I mean I actually did all of them. I didn’t necessarily do them well, but I did them.

Summary: Add in something familiar when you’re doing something new or else your confidence will be shot.

What else?

The number one thing I took away from this week is that I can’t frame it in terms of “good” and “bad.” I went to the gym. I went. That’s actually enough. If I had gone and walked on the treadmill for 10 minutes, that’s 10 minutes more than what I was doing before.

“There is nothing noble in being superior to your fellow man; true nobility is being superior to your former self.” – Ernest Hemingway

That’s it. There are 100 things in a day that I come across that I’m “not good” at. If I spent all my time thinking about them I would never leave my house. And if I told you each day about the 100 things I came across that I am “good” at, I would be the most annoying person ever.

So instead, I went. I went to the gym and I did these things that matter to me because they keep my heart healthy and help me manage stress.

Keeping it on those terms makes it easier to go and to keep going.

I did lose 1.6 lbs and I actually do think it’s important to talk about the number because the number connects to heart and whole-body health. But I don’t think I’ll weigh myself again until April 8 (the 30-day mark) because I have a history of caring too much about that number. You’ve got to know your limits, not just in the gym but out of it as well. 

Oh! AND! I’m making this little playlist of the songs that are resonating with me the most each day if you want to follow along. It’s definitely made it more fun to have music to lean in to.A. Rose (1)