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Shoes, Savings and a Will

April 3rd, 2007 at 06:52 am

I've been reading lots other blogs on here and I'm wondering what exactly you classify as a "no spend day". Does that mean you didn't spend any money at all, or any that you hadn't budgeted for? At any rate, TB and I didn't spend any money at all yesterday so I guess I had my first official "no spend day" now that I'm keeping track. Woot!

I signed up for one of those high yield HSBC online saving accounts last month. I've had my $1000 emergency fund for a few months now but it's just been sitting in my checking. I finally made the move to get it over to the HSBC savings account yesterday. I feel better about it now because there isn't a chance of me spending it without thinking about it and making a effort to get it out of the account.

In other news, I got my new Mary Jane Crocs yesterday and they are soooo cute. Love, love, love them and they're so comfortable. I was in dire need of some summer shoes/sandals so I budgeted for some. My friends just turned me on to Crocs a few months ago and I don't know how/why I lived without them for so long. I have one pair of the Cayman style in black and now two mary jane pair in chocolate and black. The cayman style is a little clunky looking and a lot of people don't like them because of that but the mary janes are really small and dainty in comparison. And of course you can't beat the comfort.

Oh yeah, this is a financial blog. Brain freeze.

TB and I don't have wills yet but we are working on it. I got some will software and a book the other day from Amazon. Quicken WillMaker Plus 2007 for $32.99. So far I am very happy with the purchase. I'm still in the process of reading the book but it is very easy to follow and the software looks simple to use. So, I am going to be working on that for the next couple of days. Fun!

PS: This was a random entry if I ever read one. LOL

8 Responses to “Shoes, Savings and a Will”

  1. tinapbeana Says:

    don't worry: we like random entries!

    as for the no spend day, i think it depends on what the needs are in your household and where you are in your financial journey. probably when your first starting out, you'd want to count a 'no-spend day' when you didn't spend anything outside of the budget. then down the road it's when you didn't spend anything other than a bill that had to be mailed. then: no money at all!!! you could start at the first level and if you find yourself having more 'no-spend' than spend days in a week or month, then try it at the next level to give yourself a challenge.

  2. Elly Says:

    To clarify, I had bought the Crocs online last week so yesterday really was a no spend day. That was a little confusing. Smile

  3. Ima saver Says:

    I count a no spend day when I don't spend any cash. I have to pay the bills, that is a given. But I don't always have to spend cash.

  4. Aleta Says:

    I think that alot of people here consider a no spend day as a day not spending cash as well. I have wondered about that myself. I've often wondered if I sceduled more bills on one day so I would actually have no spend days including the purchases. That would be sort of interesting to see how many days in the month that you can go without spending. I know for a fact now, that I just don't go to the stores as often as I used to, that I'm spending less money.

    It's like Tina said, you have to do this according to your needs and the way that you perceive it to be.

    Congratulations on opening up your HSBC. I heard that those shoes are so incredibly comfortable. My dIL wears them as much as she can. She said that she has had less backaches since wearing them.

  5. living_in_oz Says:

    I agree with Ima...I don't count paying bills as "spending". When I have a "no spend day", I'm talking about cash or anything that's not considered a bill.

  6. HouseHopeful Says:

    I usually go with the cash (or debit card) usage. If I paid normal monthly bills, I don't count it, but if its a unplanned expense (like an emergency vet appointment), I do count those.

  7. KEALINA Says:

    tinas right, we like random blogs... that's great that you had a no spend day... i basically count ours as days we don't spend anything. one thing i don't count tho is if DH pays off credit card bill, because i log all the spending on the day it happens...

  8. shiela Says:

    My NSDs are days were we (DH and I) didn't spend any money at all. So we include everything.

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