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$75 Snowflake and a Question

January 28th, 2014 at 04:02 pm

Got a check for $75 from my business credit card (cash rewards). I haven't decided if this is mortgage principal or will go into F's tuition account which will be depleted since we just paid next year's deposit. I might wait until the end of Feb. when I find out how much tuition assistance we get.

And now a question, which might be silly... but here goes... how do you determine a no-spend day? Some days my mortgage payment goes through or I pay the gas bill or whatever. But those are fixed expenses that I can't do anything about. Is it a no-spend day if you haven't spent on incidentals/food/stuff like that?

My visa payment went through today, but these were items I bought on other days. To me, this was a no-spend day, but the days I bought those items were spend days. Does that make sense? How do the rest of you figure it?

6 Responses to “$75 Snowflake and a Question”

  1. creditcardfree Says:

    I would count today as a no spend day even though bills are going out. If you didn't buy anything online, at a store, restaurant or gas station, ect, those are what I consider no spend days!

  2. Buendia Says:

    Oh good!! A no-spend day!!! (and I've been wondering about this for a while... so it was also an Education Day!)

  3. snafu Says:

    We designated 'no spend' days to clip impulse purchases and as response to colleagues who bully us to join them for coffee latte, lunch out or trip to the tavern after work. I take it literally, so not designated when an automatic payment goes through. I use those days for errands, fill up, groceries and planned spends. After several years, I feel it forces me to be more organized because if I stop at the grocery on my way home for two items, it easily turns into a bag full.

    I don't see shopping as entertainment and am frankly puzzled by people who look forward to wandering around the mall on a busy Saturday.

  4. EllaSea Says:

    For me a NSD is a day when I don't spend anything at all, meaning I don't buy anything or have any money taken from my account, even for bills. If I need to go grocery shopping, I try and do it the same day I need to gas up the car, go to the post office, pick up prescriptions, pay bills, etc. If I go online to pay my store CC bill, it exposes me to the possibility of seeing something I want. So I try and cram it all into one day so I only have to face the urge to spend on one day. The less I am given the chance the spend money, the less money I spend.

  5. CB in the City Says:

    It's YOUR no-spend day, so go by whatever is meaningful to you! For me, it is a no-spend day if I have done no discretionary spending.

  6. Buendia Says:

    Thank you, everyone! I am going to go with the discretionary spending only (including gas, food, whatever) but not bills/mortgage. And I think if I pay down the mortgage it will still be a no spend day - that's saving, not spending. OK, off to have a no spend day...

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