Tax season is here.
That means longer hours for J which translates into longer hours for all of us really. So far, so good. Only one sick kid and they are pretty much better already (fingers crossed it continues!) and playing video games and being silly so hopefully we're in the clear!
I got lazy on tracking, if you couldn't tell. I did end up splurging and getting us Chinese food one day about a week ago. It was soooo worth it and honestly, it was about $18 and fed both J and I for 2 meals each, so really it wasn't that bad when you break it down. In total, we only ate out 3 times in January. I don't even know how that compares to last January (I tried to compare to our January 13 statement but the bank doesn't store them and I didn't want to know bad enough to track it further than that.)
I do know, however, that this month, we spent around $570 at Target/Fareway/Walmart/Hyvee. That includes dog food, cat food, groceries, pull ups and the like. I know one of the trips to Walmart, we needed dog food, litter and Monster. That alone added up to almost $50 for that trip.
Now on to the GOOD part.
I made it from each payday to the next with money in my account. Like a decent amount of money. I was able to pay for the renewal on my tags. I was able to pay for a week of daycare ($292 that normally comes out of J's account) AND leave money in savings. We got a hair cut (Emerson) and bought a book. We bought EXTRA groceries when they were on sale (93% ground beef for $3/lb instead of $5, Boneless Skinless Chicken breasts for $2/lb instead of $3) to put in the freezer. I made a trip to Aldi's and picked up a bunch of canned goods. I bought 10 boxes of pasta when it was on sale at HyVee 10/$10 (with Fuel Saver points!). I paid some extra on our energy bill. I caught up our cell phone bill since we had gone over on our data around the same time Christmas came. I paid an older medical bill. While I may not have as much in savings to prove that we really did save the money, we were able to feel it in other ways.
Honestly, I'm ready to do it again. Our pantry is in decent shape and our freezer has a decent amount of meat. I've been batch cooking and meal planning to help prevent the last minute eating out. We've re-watching what we own instead of buying new movies on Amazon. We're catching up on different series that we stopped watching a while back (Breaking Bad, Dexter, Big Love). J is teaching me to play EDH. We're organizing things little by little.
Other impacts we've seen is that our budget billing went down for our energy (which I didn't realize until after I paid the bill hence the extra) because we've been conserving here and there--running the dryer less, space heater in the boys' room, running the dishwasher/oven/etc while we are home to keep the temp up instead of running the furnace, turning lights off when not in the room...ya know, common sense type stuff that we're not very good at executing. Granted, I know this isn't just from January, but I'm guessing that by us working on this for the last few months, it will have had an impact on us when it was so cold earlier.
As far as totals go, I am going to post an estimate, since there is no real way to know since I for one, changed my mind set, and two, got tired of keeping track when I avoided something.
Days 20-31
Spent: $20 eating out
Money saved: $50-100 (mostly avoiding eating out, or at least getting cheaper options, avoided a couple of cute shirts I saw on clearance etc)
Total Spent: $95 And remember, $40+ of that was my snow boots, which are really more of a necessity.
Total saved: around $400
Not too bad for a month.
My goal is to save close to this in February as well to be able to put towards some savings. More on our savings goals later.
Have a wonderful weekend!
Showing posts with label spending strike. Show all posts
Showing posts with label spending strike. Show all posts
Saturday, February 1, 2014
Sunday, January 19, 2014
Spending Strike 15-19 and a new obsession
Yeah yeah...I know. I should be doing this daily since but sometimes life just gets in the way. I did start to blog on Thursday night during a slow moment but it got busy and that was that.
Wednesday I went from work to the hospital to meet a dear friend's little baby girl. Macy is for ADORABLE and slept the whole time, hardly made any noise until she thought it was time to eat. I left the hospital at 7 and since J and the kids had already eaten, I thought long and hard about stopping at a fast food place on the way home ($5). I called my mom and that distracted myself enough that I got home, at some pancakes that J had made and then was good to go.
Thursday was TOUGH. Someone had FRENCH FRIES ($3 for an order). They smelled SO good I couldn't get my mind off of them and I knew that my soup wasn't going to cut it. I ended up avoiding it, however, and had a slim fast that I had stashed in the fridge last week and made it through. On the way to my car in the ramp I got invited to the Jason Aldean concert and was thisclose to saying YES!!! but decided that it just wasn't the night for it. I came home and ate something (I think it was a salad but I honestly don't remember) watched some TV with J and went to bed.
Friday was my early day so I had to be at work at 7 am. This was after coming home late from the night before (left work late then the roads were terrible due to our surprise blizzard/snow squall). I got up earlier than normal to make sure I could make it to work on time. While I skipped the Thai order ($10) I did have a piece of pizza (using my gift card!). After work, J went to hang out with some friends up in Ames so the kids and I hung out. We had to go to Target to get some essentials (Speaking of...I use the CartWheel ap and the RedCard--I was not one that was hacked oddly enough since I shop there all the time--and actually save myself quite a bit of money. I make my list of things that we need and then search for the things on the cartwheel. Sometimes it's only 5% off an item, but then you get another 5% with the RedCard which adds up. Since I've started using the Cartwheel I've saved over $50 and I'm not exactly sure on the RedCard because it doesn't show up on my receipt anymore but I would guess that it's somewhere around $20. Every little bit adds up, for sure!) While I was there, I had to REALLY talk myself out of a couple sweaters. They were on the 70% off rack and in colors I don't have. One was a nice purple color (which even looks good on me!) for $6 and then other was a sweatshirt cardigan thing that would look super cute with some leggings or even jeans ($6). I even went so far as to see if they were on the cartwheel, hoping it would make them less than $5 each, but no such luck. I ended up walking away from them and calling it good. We then ran to Fareway and grabbed a roast. I was only asked about 3 times if we could stop for fast food and I'm not going to lie, I was tempted, but I told the kids they could pick out something and we ended up with lunchables for dinner. ($15 saved!). I did, however, cave when J called to say that he was going with his friends to Village Inn to play cards after the store closed. Idemanded asked him to bring me home a piece of pie ($3) because I really needed a pick me up of sorts and that usually fits the bill.
Yesterday I didn't even leave the house. We had lunch plans but those fell through, which ended up being ok because I was exhausted and ended up taking a nap when the company would have been here. We had cinnamon rolls for breakfast, frozen pizza for lunch and then for dinner, Pepsi Roast. Since I had these ideas all on the menu it wasn't a big deal and easy to stick to. I even went so far as to declutter part of the kitchen and make the menu/grocery list for next week. J spent the afternoon organizing his cards and ended up getting rid of a bunch of them that aren't of any value and he doesn't need/want/use anymore. I listed some things on the local swap site and have a couple "bites" of people who are interested so we'll see if anything pans out.
Here's the totals:
Money Spent: $3
Money Saved: $45
Total Spent: $75
Total Saved: $326.50
I've also been addicted to reading a blog that I came across, A Slob Comes Clean and I'm starting to implement some of her ideas. One of them is making sure the dishes are done every night. Another is the 5 minute pick up. I also make myself do something...anything...before I can read it. So far I've cleaned off my dryer, returned trash cans/recycle bins where they belong, went through the boys' overflow clothes bin and sorted into donate, handmedowns, put up for next year etc. As I've been putting away Christmas decorations, I've been organizing the storage room a bit. Each time I go to a different room/floor, I take something that belongs there so it's not out of place. Small changes that may or may not seem to make a different now, but hopefully become a habit and make a difference in the long run.
With all that being said, I am going to do what I originally logged on here to do and that it to look up my sewing machine manual so I can get the bobbin/thread like it's supposed to be to sew up the Lola bed per E's request.
Wednesday I went from work to the hospital to meet a dear friend's little baby girl. Macy is for ADORABLE and slept the whole time, hardly made any noise until she thought it was time to eat. I left the hospital at 7 and since J and the kids had already eaten, I thought long and hard about stopping at a fast food place on the way home ($5). I called my mom and that distracted myself enough that I got home, at some pancakes that J had made and then was good to go.
Thursday was TOUGH. Someone had FRENCH FRIES ($3 for an order). They smelled SO good I couldn't get my mind off of them and I knew that my soup wasn't going to cut it. I ended up avoiding it, however, and had a slim fast that I had stashed in the fridge last week and made it through. On the way to my car in the ramp I got invited to the Jason Aldean concert and was thisclose to saying YES!!! but decided that it just wasn't the night for it. I came home and ate something (I think it was a salad but I honestly don't remember) watched some TV with J and went to bed.
Friday was my early day so I had to be at work at 7 am. This was after coming home late from the night before (left work late then the roads were terrible due to our surprise blizzard/snow squall). I got up earlier than normal to make sure I could make it to work on time. While I skipped the Thai order ($10) I did have a piece of pizza (using my gift card!). After work, J went to hang out with some friends up in Ames so the kids and I hung out. We had to go to Target to get some essentials (Speaking of...I use the CartWheel ap and the RedCard--I was not one that was hacked oddly enough since I shop there all the time--and actually save myself quite a bit of money. I make my list of things that we need and then search for the things on the cartwheel. Sometimes it's only 5% off an item, but then you get another 5% with the RedCard which adds up. Since I've started using the Cartwheel I've saved over $50 and I'm not exactly sure on the RedCard because it doesn't show up on my receipt anymore but I would guess that it's somewhere around $20. Every little bit adds up, for sure!) While I was there, I had to REALLY talk myself out of a couple sweaters. They were on the 70% off rack and in colors I don't have. One was a nice purple color (which even looks good on me!) for $6 and then other was a sweatshirt cardigan thing that would look super cute with some leggings or even jeans ($6). I even went so far as to see if they were on the cartwheel, hoping it would make them less than $5 each, but no such luck. I ended up walking away from them and calling it good. We then ran to Fareway and grabbed a roast. I was only asked about 3 times if we could stop for fast food and I'm not going to lie, I was tempted, but I told the kids they could pick out something and we ended up with lunchables for dinner. ($15 saved!). I did, however, cave when J called to say that he was going with his friends to Village Inn to play cards after the store closed. I
Yesterday I didn't even leave the house. We had lunch plans but those fell through, which ended up being ok because I was exhausted and ended up taking a nap when the company would have been here. We had cinnamon rolls for breakfast, frozen pizza for lunch and then for dinner, Pepsi Roast. Since I had these ideas all on the menu it wasn't a big deal and easy to stick to. I even went so far as to declutter part of the kitchen and make the menu/grocery list for next week. J spent the afternoon organizing his cards and ended up getting rid of a bunch of them that aren't of any value and he doesn't need/want/use anymore. I listed some things on the local swap site and have a couple "bites" of people who are interested so we'll see if anything pans out.
Here's the totals:
Money Spent: $3
Money Saved: $45
Total Spent: $75
Total Saved: $326.50
I've also been addicted to reading a blog that I came across, A Slob Comes Clean and I'm starting to implement some of her ideas. One of them is making sure the dishes are done every night. Another is the 5 minute pick up. I also make myself do something...anything...before I can read it. So far I've cleaned off my dryer, returned trash cans/recycle bins where they belong, went through the boys' overflow clothes bin and sorted into donate, handmedowns, put up for next year etc. As I've been putting away Christmas decorations, I've been organizing the storage room a bit. Each time I go to a different room/floor, I take something that belongs there so it's not out of place. Small changes that may or may not seem to make a different now, but hopefully become a habit and make a difference in the long run.
With all that being said, I am going to do what I originally logged on here to do and that it to look up my sewing machine manual so I can get the bobbin/thread like it's supposed to be to sew up the Lola bed per E's request.
Monday, January 6, 2014
4-5-6
Ok, I didn't fall off the bandwagon, just was busy :)
Saturday we mostly stayed at him, baked some cookies, got some stuff done around the house...laundry, dishes, getting rid of junk, freezer organization, getting stuff ready to post on the Facebook sites etc.
We did spend some money, but it was on my snow boots, which we discussed as a necessity. They were on sale though so at least I saved some. I figure the savings on the other things made them pay for themselves. I did, however, avoid all the Christmas clearance and bulk candy.
Money spent: $46
Money saved: $5-10 (I usually buy candy and have a terrible time with Christmas clearance)
Total spent: $63
Total saved: $120 (rounding)
Sunday J and Spencer went to Ames but before they left we had lunch together (normally E and I will grab Jimmy John's for $10 and J and Spenny hit a drive through for close to the same.) Emerson and I went and got his hair cut (preplanned) and then bought groceries to finish up the week's menu. We stayed on task with the only extra spending being a pack of gum ($1). I had Christians clearance items in my cart but realized I would never use the things they were and put back the items (5-6 various things, $10 worth).
Money spent: $1
Money saved: $30
Total spent: $64
Total saved: $150
Today it was freezing. Went to work, had soup for lunch, no vending snacks or soda. No real temptation because I left my card at my desk and had no change. I did see some frames at the card store and stopped to look but then quickly walked away without even checking prices. Dinner made at home tonight(scalloped taters and sausage) instead of take out ($25 saved, when it's this cold we get Chinese and eat at home).
Money spent: $0
Money saved $25
Total spent: $64
Total saved: $175.
I'm feeling pretty good about this. Even with including my boots in spending, were still doing a lot better we would have. While I'm bummed that I won't be able to put this all in savings, I'm happy that we're at least getting a chunk saved up.
Saturday we mostly stayed at him, baked some cookies, got some stuff done around the house...laundry, dishes, getting rid of junk, freezer organization, getting stuff ready to post on the Facebook sites etc.
We did spend some money, but it was on my snow boots, which we discussed as a necessity. They were on sale though so at least I saved some. I figure the savings on the other things made them pay for themselves. I did, however, avoid all the Christmas clearance and bulk candy.
Money spent: $46
Money saved: $5-10 (I usually buy candy and have a terrible time with Christmas clearance)
Total spent: $63
Total saved: $120 (rounding)
Sunday J and Spencer went to Ames but before they left we had lunch together (normally E and I will grab Jimmy John's for $10 and J and Spenny hit a drive through for close to the same.) Emerson and I went and got his hair cut (preplanned) and then bought groceries to finish up the week's menu. We stayed on task with the only extra spending being a pack of gum ($1). I had Christians clearance items in my cart but realized I would never use the things they were and put back the items (5-6 various things, $10 worth).
Money spent: $1
Money saved: $30
Total spent: $64
Total saved: $150
Today it was freezing. Went to work, had soup for lunch, no vending snacks or soda. No real temptation because I left my card at my desk and had no change. I did see some frames at the card store and stopped to look but then quickly walked away without even checking prices. Dinner made at home tonight(scalloped taters and sausage) instead of take out ($25 saved, when it's this cold we get Chinese and eat at home).
Money spent: $0
Money saved $25
Total spent: $64
Total saved: $175.
I'm feeling pretty good about this. Even with including my boots in spending, were still doing a lot better we would have. While I'm bummed that I won't be able to put this all in savings, I'm happy that we're at least getting a chunk saved up.
Saturday, January 4, 2014
Day 3
Spending Strike day three was a little more difficult for several reasons:
1. Pay Day. Always seems to be more temptations when there is the most amount of money available in your account.
2. Thai Day. There's a group of us that always orders Thai on Fridays which sets me back around $10 after delivery fee and tip.
3. It was COLD again. Which means I wanted more warm beverages from the sky walk coffee joint I usually go to. ($3.50)
4. Friday nights we always get some sort of take out on the way home. It might be from a fast food company. It might be pizza or chicken. Sometimes it's Chinese. (If we're all eating at home, anywhere from $15-30, depending on where we order from).
5. We watch a new movie while eating our takeout ($10-15)
6. To add yet ANOTHER challenge to our plate, J's mom took the kids unexpectedly. Whenever we don't have the kids we take that time to go out to eat and maybe even have a couple beers, usually at Old Chicago ($35-40 including drinks and tips).
We successfully avoided almost all of the above.
Due to a minor mis-communication, I ended up ordering Casey's pizza ($12). (We were discussing frozen pizza over the phone--what to get, what kind, from where--and he ended up saying something about Caseys. I thought he meant ORDER Casey's pizza but what he said was that Casey's has frozen pizza...whoops...although I'm sure with gas station prices I only paid another $5 more than I would have). I also ended up making a quick run to HyVee because it's close and I had a coupon for Kraft Mac N Cheese that was expiring soon and we were out of juice which we would both want in the morning. While I was there I also picked up some Capri Suns (Spencer takes them to lunch) and some ice cream ($3) that should last us another week or so.
(PS: We didn't end up getting any movies, we just watched a few episodes of Breaking Bad and hung out and spent time with each other. I even turned my phone off for a portion of the evening so it really was just us...no facebook/instagram/pinterest...just us).
I also had to get gas and J bought E some snow boots but we consider those necessities are are not counting them towards our total. I usually only need gas about once every 2 weeks or so and I didn't NEED it need it yet (I still had just under 1/4 tank) but with the arctic temps ahead, I decided to get it when it was only 25 degrees instead of -40 windchill like they are predicting for Monday when I would have NEEDED it.
With all this being said, yesterday's totals:
Money Spent: $15
Money Saved: $43.50
Total Spent: $18
Total Saved: $108ish
$108 dollars in 3 days folks. Even with spending some on Pizza and Ice cream, I still call this a win.
1. Pay Day. Always seems to be more temptations when there is the most amount of money available in your account.
2. Thai Day. There's a group of us that always orders Thai on Fridays which sets me back around $10 after delivery fee and tip.
3. It was COLD again. Which means I wanted more warm beverages from the sky walk coffee joint I usually go to. ($3.50)
4. Friday nights we always get some sort of take out on the way home. It might be from a fast food company. It might be pizza or chicken. Sometimes it's Chinese. (If we're all eating at home, anywhere from $15-30, depending on where we order from).
5. We watch a new movie while eating our takeout ($10-15)
6. To add yet ANOTHER challenge to our plate, J's mom took the kids unexpectedly. Whenever we don't have the kids we take that time to go out to eat and maybe even have a couple beers, usually at Old Chicago ($35-40 including drinks and tips).
We successfully avoided almost all of the above.
Due to a minor mis-communication, I ended up ordering Casey's pizza ($12). (We were discussing frozen pizza over the phone--what to get, what kind, from where--and he ended up saying something about Caseys. I thought he meant ORDER Casey's pizza but what he said was that Casey's has frozen pizza...whoops...although I'm sure with gas station prices I only paid another $5 more than I would have). I also ended up making a quick run to HyVee because it's close and I had a coupon for Kraft Mac N Cheese that was expiring soon and we were out of juice which we would both want in the morning. While I was there I also picked up some Capri Suns (Spencer takes them to lunch) and some ice cream ($3) that should last us another week or so.
(PS: We didn't end up getting any movies, we just watched a few episodes of Breaking Bad and hung out and spent time with each other. I even turned my phone off for a portion of the evening so it really was just us...no facebook/instagram/pinterest...just us).
I also had to get gas and J bought E some snow boots but we consider those necessities are are not counting them towards our total. I usually only need gas about once every 2 weeks or so and I didn't NEED it need it yet (I still had just under 1/4 tank) but with the arctic temps ahead, I decided to get it when it was only 25 degrees instead of -40 windchill like they are predicting for Monday when I would have NEEDED it.
With all this being said, yesterday's totals:
Money Spent: $15
Money Saved: $43.50
Total Spent: $18
Total Saved: $108ish
$108 dollars in 3 days folks. Even with spending some on Pizza and Ice cream, I still call this a win.
Thursday, January 2, 2014
Spending Strike day 2
Today I went back to work. I did go to the chiropractor however I consider that a medical expense, more of a need than a want.
For lunch I had a canned soup, snack a break room bagel and for dinner I have some leftovers (taco meat in a salad). I started to buy a book on amazon but then remembered ($8.54 saved!) And wanted a chai because it was so cold (-3°, Chai $3.50ish).
J and the boys didn't leave the house and no money spent online for him.
Totals:
Money spent today $0
Money saved: $15ish
Total spent: $3
Total saved: $65ish
For lunch I had a canned soup, snack a break room bagel and for dinner I have some leftovers (taco meat in a salad). I started to buy a book on amazon but then remembered ($8.54 saved!) And wanted a chai because it was so cold (-3°, Chai $3.50ish).
J and the boys didn't leave the house and no money spent online for him.
Totals:
Money spent today $0
Money saved: $15ish
Total spent: $3
Total saved: $65ish
Wednesday, January 1, 2014
2014!
2013 was a tough year, physically, financially and (as a cause of the first two) somewhat emotionally.
We made it through. We're happy, stronger and doing ok but definitely looking forward to a better 2014.
Couple things I'm hoping to work on this year is getting myself healthier. First step to that is starting a lemon water "cleanse". I put cleanse in quotations because I'm not sure I believe that by drinking a warm glass of lemon water every morning is really gong to act as a cleanse, but it's a healthy habit. Gets in some vitamins and a glass of water to start to day off on the right foot if nothing else. If it does, in fact, have other health benefits so be it. I'm also hoping that this will eventually break my Monsterhabit addiction, but no promises there.
I'm also continuing my decluttering efforts. Today I took a bag of things to my in laws (shirt that didn't work for me and I couldn't return, leftover containers from Christmas etc) and got rid of some kitchen utensils that were ruined (cracked wooden spoon, broken salad tongs). Broke down boxes for recycling. Over the weekend I took everything out of the cupboards and inventoried the pantry/tossed expired food. Avoided buying a new tote to put baking goods in by finding an almost empty one in the basement.
We're also joining in on the Spending Strike that is taking over the Blogosphere. We are always tight in December/January where the overspending from the holidays collides with the end of J's salary and this year is no different. We did better, much Bette actually, throughout the year on spending in some ways but buying a new car, medical expenses and the like took their toll. Our goal is to cut out excess spending and only buying necessities. This means I won't be ordering Thai on Fridays (sob!) this month or grabbing chai out donuts for breakfast. I am still spending a gift certificate I got for lunches at my favorite local pizza place, but other than that, no eating out for lunches. I have yogurt, oatmeal, cheese sticks and the like for breakfast. I'll buy my Monster at Wal-Mart where it is half the price of the gas station. No vending machine purchases or clearance racks. When I do have to buy something, we have to need it. Groceries. Gas. Snow boots (Emerson hit a growth spurt. His boots don't fit at all anymore. Mine have a crack). Date night will be spent at home, watching breaking bad and eating something we make instead of grabbing take out. I will, however, let myself spend any money I make on the garage sale sites or from my crafts.
Totals:
Money spent today: $3 (we got invited to dinner at the in laws, we picked up drinks on the way)
Money saved: $50 (we normally go to a movie on NY day as a family, we stayed home today)
Total spent: $3
Total saved: $50
My plan is with the money we save to put half in savings and the other half go towards miscellaneous things...car registration, medical bills, new computer fund.
What are your new years resolutions/goals? Would you consider a spending strike for you and your family?
We made it through. We're happy, stronger and doing ok but definitely looking forward to a better 2014.
Couple things I'm hoping to work on this year is getting myself healthier. First step to that is starting a lemon water "cleanse". I put cleanse in quotations because I'm not sure I believe that by drinking a warm glass of lemon water every morning is really gong to act as a cleanse, but it's a healthy habit. Gets in some vitamins and a glass of water to start to day off on the right foot if nothing else. If it does, in fact, have other health benefits so be it. I'm also hoping that this will eventually break my Monster
I'm also continuing my decluttering efforts. Today I took a bag of things to my in laws (shirt that didn't work for me and I couldn't return, leftover containers from Christmas etc) and got rid of some kitchen utensils that were ruined (cracked wooden spoon, broken salad tongs). Broke down boxes for recycling. Over the weekend I took everything out of the cupboards and inventoried the pantry/tossed expired food. Avoided buying a new tote to put baking goods in by finding an almost empty one in the basement.
We're also joining in on the Spending Strike that is taking over the Blogosphere. We are always tight in December/January where the overspending from the holidays collides with the end of J's salary and this year is no different. We did better, much Bette actually, throughout the year on spending in some ways but buying a new car, medical expenses and the like took their toll. Our goal is to cut out excess spending and only buying necessities. This means I won't be ordering Thai on Fridays (sob!) this month or grabbing chai out donuts for breakfast. I am still spending a gift certificate I got for lunches at my favorite local pizza place, but other than that, no eating out for lunches. I have yogurt, oatmeal, cheese sticks and the like for breakfast. I'll buy my Monster at Wal-Mart where it is half the price of the gas station. No vending machine purchases or clearance racks. When I do have to buy something, we have to need it. Groceries. Gas. Snow boots (Emerson hit a growth spurt. His boots don't fit at all anymore. Mine have a crack). Date night will be spent at home, watching breaking bad and eating something we make instead of grabbing take out. I will, however, let myself spend any money I make on the garage sale sites or from my crafts.
Totals:
Money spent today: $3 (we got invited to dinner at the in laws, we picked up drinks on the way)
Money saved: $50 (we normally go to a movie on NY day as a family, we stayed home today)
Total spent: $3
Total saved: $50
My plan is with the money we save to put half in savings and the other half go towards miscellaneous things...car registration, medical bills, new computer fund.
What are your new years resolutions/goals? Would you consider a spending strike for you and your family?
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