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Most days are no-spend days

March 12th, 2008 at 12:54 pm

I see so many posts about no-spend days, and I think it is great if you are reforming your shopping and spending habits. It just never occurred to me to post about my own NS days because most days are NS days. I work Monday-Friday and rarely spend money during the week. Yes, I pay household bills and things that I can't avoid, but actually going out somewhere and spending money rarely happens M-F.

I pack my lunch for work, so no spending there. My office is only 8 miles from home so I only get gas about once every 3 weeks unless we use my car a lot on the weekend. I rarely go anywhere in the evening after work - just go home.

My spending days are Saturday and Sunday. That's when we go out, eat out, do our food shopping and other shopping, take day trips, etc. So I probably average 15 no-spend days per month.

Posted in Personal Finance | 14 Comments »

14 Responses to “Most days are no-spend days”

  1. merch Says:
    March 12th, 2008 at 01:25 pm 1205328352
    1205328352

    Nice Steve. You have the right frame of mind of no excess spending.

    Every day for me is a spend day. I have to pay cash for parking to catch the train to the city. It's $2 a day but it limits my opportunities for no spend days to the weekend and holidays.

  2. MariRDH Says:
    March 12th, 2008 at 01:59 pm 1205330365
    1205330365

    DS, I am the same as you. I sleep, eat, work, repeat. Smile I really do not enjoy shopping so that helps also.

  3. Ima saver Says:
    March 12th, 2008 at 02:29 pm 1205332146
    1205332146

    I use to go to the grocery store almost every day and I have cut that down a lot!

  4. dmontngrey Says:
    March 12th, 2008 at 03:56 pm 1205337391
    1205337391

    I'm the same way Steve! Only my office is 30 miles away, so I do have to gas up once per week. DH has the same commute, in a different direction of course! But my trusty little 10 y.o. Jetta gets 30 mpg. Smile Weekends are when we go grocery shopping. We usually run other errands on weeknights since we live in a high traffic shopping area on the weekends. Still, at least half no spend days per month. Take my own lunch and eat other meals at home.

  5. nance Says:
    March 12th, 2008 at 04:55 pm 1205340928
    1205340928

    I have many more no-spend days than otherwise, so it really isn't a big deal for me. I also group errands and shopping, to cut down on mileage.

  6. boomeyers Says:
    March 12th, 2008 at 06:11 pm 1205345470
    1205345470

    Being a stay at home mom of three, I have the opposite problem. I am inundated with running here, running there, pick up poster board for this, out of milk, run for that, etc., drop off here, pick up there....so the spending opportunities are endless and you have to make a conscience choice to NOT spend, especially when you are crunched for time!

  7. monkeymama Says:
    March 12th, 2008 at 07:16 pm 1205349390
    1205349390

    I am with you DS. When I Came here I Was like, what's the deal with NS Days? Most of mine are.

    Of course, dh does most of the errands and shopping so that is not 100% fair. But still. I think most days we don't spend anything between the two of us.

  8. Caoineag Says:
    March 12th, 2008 at 07:28 pm 1205350133
    1205350133

    I think I have the same average as you Disneysteve for pretty much the same reason. I could probably condense it into fewer days but that would just make those days more hectic. My other issue with no spend days has always been the fact that its an all or nothing. Spending $3 in a day is very different than spending $3000 in a day but both disqualify as a no spend day...

  9. ceejay74 Says:
    March 12th, 2008 at 07:29 pm 1205350195
    1205350195

    I don't have a car so most days are spend days; my husband and I pick up some things almost every day during lunch so we don't have to carry it all home on the bus the same day, and so we don't have as much to get on our weekend shopping trip.

    We have a general grocery/household allotment in our budget so I don't care whether we buy stuff every day or once a month, so long as we stay within that. It's more a matter of sticking to the list, and planning cheaper meals, than of how often we visit stores.

  10. Joan.of.the.Arch Says:
    March 12th, 2008 at 10:44 pm 1205361876
    1205361876

    Focus on no-spend days is helpful for people who are accustomed to mindlessly spending small optional amounts most days.

  11. homebody Says:
    March 13th, 2008 at 03:24 am 1205378648
    1205378648

    I have "spend" days instead of "no spend" days. Just this month at another site, there was a challenge to do all your shopping/errands in one day. Have succeeded two weeks in a row so far.

    It does of course help that I work at home!

  12. baselle Says:
    March 13th, 2008 at 04:17 am 1205381852
    1205381852

    The "put savings in bank" days are always more important than the "spend" or "no spend" days. Spend nothing but don't physically save and you're just as bad off.

  13. Broken Arrow Says:
    March 13th, 2008 at 12:52 pm 1205412731
    1205412731

    The arrangement sounds rather idyllic!

  14. Livingalmostlarge Says:
    March 15th, 2008 at 08:36 pm 1205613417
    1205613417

    Same here, our credit cards show our spending Friday night dinner, saturday or sunday. We only try to spend one day, unless we go out and do something. Like tonight we are going to dinner again, but no going out.

    Basically we don't spend anything.

    And if we fill gas, etc we don't consider it a spend, it's just whenever. How do people find the time to shop during the week? Come home, cook dinner, eat, study, go to bed????

    Whose got the time?

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