Preparing for the No Spend Challenge January 2016

A group of my mommy friends have decided to do the No Spend Challenge together. Since I did it last year, I have a pretty good idea of the things that need to happen for me to be successful this time around and look forward to the spending reset this will provide for the Hosh and I in 2016.

Here are a few questions I am asking myself before January to prepare.


What's the Point? The biggest factor in sticking to the No Spend Challenge for me is having a goal I am trying to achieve. This year is the year of Baby #2 and, if all goes well with Baby #2, our home addition. Saving towards our renovation and decorating budget is a huge motivator. I hope to save over $3,400 in January by sticking to not spending outside of our budget.

Another goal is to stop our frivolous spending which tends to get out of control after the holidays so we can stay on financial track for 2016. This is is a big factor in my challenge participation.

Lastly, I am going to be KonMari-ing my home in the first part of 2016 and need to run down my pantry which has become to full with items ignored because it's more fun to shop for food than it is to use what I already have. Keeping these three goals in mind will prevent me from spending during the challenge.

What Can We Buy? One of the things I learned during the last challenge was to make sure to budget for things that actually matter to me. Not having spending cash for pre-Chinese New Year shopping last year really upset me because I want to be able to spend money on my mom. This time, I am taking a close look at my calendar, thinking about events and what I really want to spend on. For instance, my sister's and mom's birthdays are both in January so I'll budget for gifts and dinners. I also have a wedding related event as a bridesmaid for my best friend's wedding and will need to buy gifts and my bridesmaid dress in January.

For me, the No Spend Challenge is about controlled spending instead of impulsive spending. Clarifying the difference between wants, needs and priorities. A budget is my road map for achieving what I want with every dollar we make.

Here are links to budget information and budget apps:
Budget Form from Dave Ramsey 
You Need A Budget Software
Mint Personal Finance App


What Will We Eat? Dining out is a huge expense in our household. It's so easy to just head out to a restaurant or pick up food on the way home with a two working parent household. During the last challenge, I found that making the time to cook at home improved my kitchen skills but also gave us more quality time at home. Instead of spending time in restaurants and stores, we spent time together going on walks and working on the house which improved our quality of life.

Cooking at home is also time consuming and can be costly unless there's a plan in place so I will be meal planning after taking stock of my pantry and deep freezer.

Here are a few blogs with meal planning templates:
Meal Planners from Money Saving Mom
Weekly Menu Planner from Organized Home

20 Free Menu Planner Printables from Fab N Free

What Will We Do? It really helps to have things to look forward to and non-spending based goals to focus on during the No Spend Challenge. As previous mentioned, I will be purging a lot of things from our home which will take up a lot of time. The Hosh plans on doing a lot of fishing as well as cleaning out his garage. I plan on making better use of my gym membership as a stress reliever instead of shopping.

Here are a few blogs that suggest activities for no-spend weekends in the winter:

102 Things to Do on a Money-Free Weekend from The Simple Dollar.

50 essential winter activities from Today's Parent. This is focused on children.

Top 10 Free (or Super Cheap) Things to Do with Kids Under 5 from Red Tricycle. This is the Los Angeles edition but Red Tri has guides for most major metropolises. 

What do you do to prepare for sticking to a budget?

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Day Designer Flagship 2016 Unboxing and Review

I spent a couple of weeks poring over different planners to decide which one I should order. Turns out, some planners order their planners for the next year as early as September! There are planners that sell out, actually sell out, at the beginning of fall for the start of the new year! All of a sudden, picking the right planner seemed like an important decision. Erin Condren? Plum Paper? Inkwell Press? Emily Ley? iBloom? Day Designer? So many options.

Here are the things that helped me make my decision.

Day Designer: Gold Foil, Black Spotty and Black Stripe.

Cover: I needed the cover to be somewhat professional and well designed. Something that wouldn't look out of place in a meeting with conservative industries but wouldn't look so boring that it wouldn't be a joy to use everyday. Unfortunately, many of the planners have very casual covers that are more geared towards colorful and playful designs. I narrowed in on Erin Condren, Inkwell Press, Emily Ley and Day Designer for their more subdued cover options. Emily Ley and Day Designer actually look quite similar down to the wonderful brass corners that prevent bending over prolonged use. In the end, Day Designer had the perfect classic but stylish cover.

The slide out keepsake box the planner comes in this wonderful!

The interior flap can hold onto notes that need to be processed.

Colors: Going along with the professionalism, I am not a huge fan of rainbows and tons of color. I know a lot of people like to decorate their planners like they decorate their scrapbooks so having a lot of color options might be attractive to that set. Personally, I'm not going to do a lot of decorating and if I do end up decorating, I want something of a blank slate, as in a neutral colorway in basic black, white or grey, to start with. Erin Condren and Emily Ley have very colorful tabs and layouts which I didn't like very much. Inkwell Press had nice subdued color palettes while not being boring but I just loved neutral color options of the Day Designer.

I chose Black Spotty in the end because Black Stripe comes with hot pink accents and I am not a fan of pink. Gold Stripe was attractive but I felt like the gold would wear down quickly with prolonged use. Plus, I really like the accent color on Black Spotty. It's a few Pantone boards away from Tiffany Blue which makes it feel luxe but fresh.

How adorable is this pattern?

Daily Versus Weekly: Planner page layouts are extremely important. This past year, I used a weekly layout and found I never had enough space. I also noticed that I try to assign times to tasks around my appointments which made the need for a daily hourly layout pretty important. Erin Condren, Emily Ley and Day Designer all offer weekly and daily layouts for their 2016 planners. I preferred the layout of the Day Designer page because it has room for many of the things I already try to note in my daily plans like what I'm having for dinner, top 3 things I need to accomplish that day and a reminder for a daily gratitude.

Sample Daily Planning Page

Also, the hours on the agenda side of the page go from 5am to 9pm, which I think is really handy because my day doesn't go from 7am to 7pm or some of the other hourly layouts available on other planners. Planning pages are available from Day Designer here for new users to determine if the layout works for their life.

Planning Guidance: For me, November is about planning for the next year. Erin Condren's Life Planner and Day Designer have extensive planning guidance at the beginning of the planners that really provide some life guidance to achieve the personal and professional goals. I really liked this about them and felt this was a huge value add.

How to use the Day Designer for a well balanced, goal driven life.

I used to be a huge fan of an electronic only planning via smartphone and cloud computing but found that as I was juggling more in my life after becoming a working mom, it helped to write things down on paper to clear my head. My current organization system includes adding dates as they come up directly to the applicable calendars on Google Calendar. I have a shared calendar with my husband to keep track of family engagements as well as a work calendar I keep track of my meetings and deadlines on. I have a sketchbook that I use for project planning, meeting notes, and a basic catch-all for my ideas. The sketchbook was ideal for me because I didn't want lines for when I was doing actual sketches for layouts and designs. The paper also tends to be much thicker than lined notebook paper with a much nicer feel.  My planner is used in conjunction with my Google Calendar and notebook to plan out each day so I have a road map for the things I need to get done or need to follow up with other people to get done.

Unboxing Details:

It took about 5 days, 3 business days, to get my planner. I ordered on November 11, 2016, during the November stocking, and it was shipped immediately. There were pre-orders starting in September where orders were not sent out until late October/early November also. I was thrilled to get this so quickly.

Checkout the closeups below of some of the construction details:

The gold brass coils are sturdy and well color coordinated. 

I didn't go over the entire planner with a fine toothed comb because the planner is going to get dinged in use anyway but I did notice this one area by the lower brass corner that had an imperfection in the cover. Thankfully, the spotty pattern really hides flaws well.

Reinforced corners protect the cover while adding a slightly Campaign feel. 

The Day Designer logo is framed and printed in gold foil. Very pretty.

Annual planning pages add value to this planner system over others. 

I was really excited to see the planning guidance offered by organization guru and entrepreneur, Whitney English. The advice did not disappoint. The size of some of the cells in the planning pages doesn't leave a lot of room for descriptions which was not as functional as I had hoped. I will need to have supplemental pages to flesh out my plans and then transfer the finalized details into the Day Designer planning pages.

I once read advice from Warren Buffet about setting annual goals that seems to be incorporated here. Make a list of 10 goals and then pick 3 of them. Do not do anything related to the remaining 7 goals as they are distractions from the 3 most important goals. Whitney English includes a Big Three Ideas detail to the planning pages which is really a smart way to focus on achieving realistic goals.

Envision how to achieve 2016 dreams.

Set deadlines that need to be achieved for each aspect of life.

The big goal list!

The gold foil tabs are just perfect. I can't say enough how much I just adore the colorway of this planner and the layout of the daily planning pages. I can't wait to start using this and getting excited about 2016!

Is that not just so gorgeous?

If you're interested, you can watch my video unboxing and review on YouTube!


As always, if you like what you see, add me on Facebook or subscribe to me on YouTube!


Here are a few great blogs with planner reviews:

http://www.prettyneatliving.com/simplified-planner-vs-day-designer-planner-comparison-review/

http://kaysepratt.com/2014/12/ultimate-planner-review.html

http://www.theperfectcatchblog.com/2014/06/five-on-friday-lets-talk-planners.html

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44 Best Shows to Binge Watch on Netflix

One of my guilty pleasures is to binge watch TV shows on Netflix which comes in handy while I am on a marathon cleaning session, stuck beneath a nursing baby or just need some background noise as I am getting through long and tedious tasks. And sometimes, there's nothing more relaxing than curling up on the couch and watching every single episode of a TV show you can possibly fit in.

Here is my list of best shows to binge watch on Netflix, grouped with other shows that would appeal to the same audience.

Complex, sometimes heavy, dramas.  These are shows that require full attention and maybe a cocktail to follow.

1. House of Cards, the story of a DC power couple's strategic rise and potential fall. 
2. House, a brilliant diagnostician with a complex personality.
3. Damages, if Cruella Deville were a lawyer with a host of ulterior motives.
4. The Good Wife, the post affair life of politician's wife.
5. Law & Order SVU, long running episodic police drama.
6.  Lost, a total what the eff of a puzzle show about plane crash survivors.
7. Mad Men, a 1960's drama about the life of a complex ad man.
8. Friday Night Lights, a family based drama about a high school football coach in the heart of football country (not sure it belongs here but it doesn't belong anywhere else on my list.)

Easy watching comedies. These are easily well liked shows that most people would enjoy.

1. How I Met Your Mother, my generation's Friends which follows a group of 5 from their early 20s into their mid 30s in New York. 
2. Parks and Recreation, co-workers and friends that are all ridiculous characters working for small town government.
3. The Office, predecessor to Parks and Rec but set in a paper company office.
4. 30 Rock similar to Parks and Rec and the Office, except set in a Saturday Night Live type studio workplace. 

Science fiction that even non-nerds will enjoy.

1. Battlestar Galactica, the show you will stay up until the sun comes up to watch even if you've never liked any sci fi show before. 
2. Dr. Who, a cult classic campy as hell story about a time lord who travels through space and time with various companions who are all so endearing.
3. Torchwood, a spin off of Dr. Who where another time traveler is stuck in modern day England with a team who is tasked with keeping all the unusual alien activity in check.
4. Black Mirror. A modern day twilight zone that is extremely thought provoking.
5. Heroes. A huge cast of people who have different super powers, like a new version of X-Men.
6. Warehouse 13. A campy group of government agents are tasked with capturing artifacts, or historical items, that are imbued with magical powers as a result of their ties to extreme emotion.
7. Eureka.  A town of the world's geniuses live in a idyllic small town where their inventions and intelligence cause cheesy science fiction problems.

British all the things. This is a mishmash of all the great things the Brits added to Netflix that have appeal to viewers who like British sensibilities.

1. IT Crowd, a hilarious comedy about an IT team in a company run by an idiot. 
2. Downton Abbey, a period drama that starts after WWI and continues through major world events of the time, following a family with title and their service staff.
3. Peaky Blinders, a post WWI organized crime drama of an Irish bookie family's rise to power under the sheer will of its brilliant middle brother.
4. Sherlock, Benedict Cumberbatch and that guy from the Hobbit/Love Actually are Sherlock and Watson in modern day England.

Unconventionally toned dramedies.

1. Veronica Mars, a teenage crime noir with pithy dialogue set in the equivalent of Malibu, CA starring Kristen Bell.
2. Dead Like Me, a hard to describe story of a group of death reapers.
3. Pushing Daisies, a mystery drama that feels like the movie Big Fish in its hyper-realistic cinematography and Dr. Seussy setting.

Drug/crime related character driven dramas.

1. Orange Is The New Black, a privileged tall blonde bisexual ends up in a woman's prison with a cast of interesting characters and back stories.
2. Breaking Bad, a high school science teacher's journey through the meth drug trade and his battle with cancer.
3. Weeds, a privileged suburban widow's journey through the weed drug trade with her family.
4. Sons of Anarchy, a family's outlaw motorcycle gang legacy loosely based on Hamlet. 

Smart comedies that some people just don't get. 

1. Arrested Development, a wonderful comedy about a wealthy Orange County, CA family that started with a Banana Stand which was inexplicably cancelled.
2. Community, a group of students at a community college which has free form evolved over time through different movie genres and re-piloting which was also constantly on the verge of cancellation until it was finally cancelled and picked up by Yahoo!
3. Portlandia, a skit based comedy about the many quirks and communities in Portland, OR.

Outlandish comedies not for the pearl clutchers. 

1. The League, a foul mouthed group of friends who like to haze each other in the name of fantasy football.
2. Archer, a ridiculous cartoon based comedy about a private intelligence agency and its narcissistic head spy. 
3. Workaholics, three best friend and roommates from college who work in a telemarketing company by day, party with booze and drugs by night resulting in hijinks.

Demons, hauntings, huntings, oh my.  

1. Walking Dead, the best zombie apocalypse drama I have seen in forever.
2. American Horror Story, each season is a different plot line revolving around ghosts, hauntings, and other spooky creepy crawlies with the same amazing cast in different roles.
3. Supernatural, two brothers become demon hunters with a lot of seasons full of twists and turns along the way.

Food and travel life, also known as all things Anthony Bourdain. 

1. Chef's Table, a series about the food philosophies that make top world renowned chefs so amazing.
2. The Layover, Anthony Bourdain has 48 hours in one city each episode to make the most of it.
3. No Reservations, Emmy award winning series where Bourdain goes to different parts of the world and immerses himself in the culture.
4. Parts Unknown, Bourdain goes to places most people wouldn't choose to travel to in order to share authentic travel experiences.
5. The Mind of a Chef, each season follows different chefs as they source their foods, develop their recipes and find inspiration.

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No Spend Challenge Journal: Week 4

This is the final week of our No Spend February journey. Click here for Week 1, Week 2 and Week 3.


Challenge Recap
If I had to explain what I did this month, I would call it a spending cleanse. We are bombarded everyday with marketing that encourages us to let go of our money on things that we don't really need because we're led to believe it with give us something we might miss out on, whether it's convenience, experiences or a simple feeling. There is, however, diminishing returns on spending. The ability to buy anything we want when we want actually reduces the appreciation we have for the things that we buy. And it distorts our understanding of what we need.

I can't say that I could happily live like this long term but an occasional No Spending month might be exactly what my family needs to refocus our values when we stray too far into materialism.  

Day 22: I'm co-chair in a woman's craft group so I actually host a number of events at my house, including a "How to make spring rolls" event on Sunday. Everyone chips in for materials but it usually only covers 25% of the overall cost of the event and just didn't worry about it. In future months, I am going to try to better estimate the costs so it does cover the total cost instead of putting money out of pocket in lieu of spending the time to accurately estimate. Since I had the event at noon and had to prep, I bought breakfast, while I was at the market buying supplies, for my family so I wouldn't have to cook and clean up afterwards. $12 spent but on foods that I wouldn't have the ability to cook at home anyway (dim sum goodies) because I don't have the tools. And though $12 used to be nothing to me, yesterday, it felt like a luxurious splurge!
 
Day 23: Since we're winding down from ‪#‎nospendfebruary‬, I'm thinking a lot about what the future looks like. I've learned so much about mindful spending this month but worry that when I start spending money again, it will be difficult to reign back in. I also worry that all this focusing on not spending has taken away from trying to make more money. I am considering doing a ‪#‎spendlessdecluttermoremarch‬ challenge where I focus on not spending any money outside the budget while decluttering/selling what I don't need anymore.

I didn't manage to get through all my pantry and freezer items so with the exception of my husband starting to have lunch with colleagues again on Thursdays and Friday and 2 trips to Disneyland, I think we'll stay out of restaurants and keep trying to run down the pantry and freezer. I've also come up with a list of projects that I'm going to try to tackle based off the lessons of self sufficiency/homesteading I've learned this month. Establish a (maybe perennial) vegetable garden. Prevents having to continually buy seeds/plants again every season. Homemade cleaning supplies. Making all natural cleaning supplies is not only saving but also much healthier, especially with littles at home. Weekly meal planning. Prep healthier meals with a larger variety of foods. Stock emergency food stores.

Day 24: As we're planning for future no spend months, I'm looking at bulk purchases and realize there is a very slippery slope to spending. The moment I thought about spending money, it was like a flip switched on my spending mode. How do you keep that in check?

Day 25: I am contemplating a trip to Disneyland, since admission costs us nothing, and using Disney gift cards we already have (we buy them to use in the park in lieu of cash because we get a discount on the GCs) for food and drinks. I am having an internal battle over use of the GCs because in some respects I consider them cash. What we spend now on the GCs is less money to spend later.

Day 26: Husband got a surprise bonus and I got an extra paycheck forgot about from last month so we'll end up saving $8500 this month. So happy about this! We're going to have enough for the addition sooner than expected! ‪#‎nospendfebruary‬

Day 27: My husband's uncle flew in from Vancouver unexpectedly and wanted to come over for a visit. Luckily, because we ate out of our pantry for most of the challenge, I had $100 left in the food budget. Instead of cooking a meal (which I did not have time for), we ordered pizza, picked up some beers and bought some ice cream. I was going to buy a cake but then realized that ice cream is a much more cost effective treat. A small 4 person cake runs about $7 in our local market and expires in a few days but a container of their best ice cream is $5 and has a dozen servings that can be saved and eaten over time. I literally never thought about dessert in such a logical way before!

Day 28: The last day of the challenge and I spent it at Disneyland with my family. We used only the gift cards, packed some extra food, brought our own water and had a lovely time. I even got over 20K steps in which actually made me feel like my March challenge should be ‪#‎getfitandspendlessmarch‬. I checked our budget and found that we spent $30 over our budget in ‪#‎nospendfebruary‬ which was due to to some doctor's visit from my husband pulling a muscle in his back this month. I consider this month a huge win!

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No Spend Challenge Journal: Week 3

This is Week 3 of our No Spend February Journey. To start at the beginning or jump ahead, click here for Week 1, Week 2 and the final Week 4.

Weekly Recap
This week was a lesson in how to deal with frugality in a celebratory situation. The compulsion to spend cash as a way to express love during the holidays and the guilt associated with each dollar spent, or not spent, really forced me to evaluate my relationship with love and money. 

Day 15: My husband received a packaged. He found a $50 Amazon gift card and spend $25 on Stratego, thinking that it would be a fun game we could play at home. I would have preferred for him to just bring out one of the many board games we already have and save the GC to spend on essentials but his heart was in the right place.

I put up net fencing around my garden with materials we already had from last season so that I could keep our corgi out of the grow area as she has a habit of digging and pulling up plants. I'm very motivated to grow a high yield garden this year that can really reduce our produce bill and increase our health. While working on the garden, I realized that we were not being very good stewards of our home and money before this challenge. It takes a lot of work to make a beautiful and productive home and instead of making our home a lovely place, we were out in the world spending money to escape from the responsibilities that come with a good life. 

Day 16: I woke up from a nightmare that I was recklessly spending money. I was out with friends, eating and shopping. In my dream, I knew I didn't want to spend the money, that I was supposed to be on ‪#‎nospendfebruary‬ challenge, but I couldn't stop myself. But actually, in the dream, I was spending money the way I did in January. When I woke up, I was so relieved the money wasn't gone! I think the challenge is really getting to me. My husband and I have been working on his resume so he can apply for his MBA and hopefully get a waiver on the GMAT/GRE requirements and we found out they approved the waiver! That's $250 saved!

I also called Disney guest services because we've avoided Disneyland due to the measles outbreak which means we lost a month of use from our annual pass. After talking to 4 different people, they extended expiration by a month. That's a $90 value (the cost of the passes prorated by month). I'm so happy about this because, this year, we're not renewing our passes since my husband will hopefully be enrolled in an MBA program by the time September rolls around and we won't have time to go as a family anymore. Instead, my goal will be to find free family friendly activities.

Day 17: This post will finally catch me up to current day! I have had an extremely emotionally charged day for the first time in ‪#‎nospendfebruary‬. Through most of this challenge, I have felt empowered and optimistic. Like I am gaining control of my finances and living a better life. Today, because I couldn't buy things I usually would, I felt poor and disappointed. That's so crazy to me because I know we have the money and could spend it and are choosing not to for bigger goals but I refused to spend on principal and felt like I was violating my personal values.

I think I need a little guidance here from No Spending Veterans. It's long winded (as I'm sure you know I am at this point) so thank you in advance to anyone willing to read through this personal dilemma. This Thursday is Chinese New Year. Imagine doing this challenge during Christmas and it's kind of like that. Before Chinese New Year, my mom and I head to Little Saigon and buy fruit, flowers, cakes, candy and ceremonial things for the Buddhist altar. We buy food for the big family party and enjoy the festival atmosphere since it's so packed and resembles the Vietnam my mom remembers from before coming to America. I usually try to pay for as much as she'll let me. My parents are very well off so she doesn't need me to pay for anything, I do it out of filial duty. Culturally, we believe that once our parents are done taking care of us, it's our turn to take care of them. Financially, I don't believe my parents will ever need me to take care of them in the future due to their substantial estate. So when we go out to eat or whatnot, I try and pick up the bill out of respect. My parents don't always let me but I know they are proud when I do it. I have actually been avoiding going out to dinner with my family during the challenge because I didn't want to not pick up the bill. My mom knows I'm doing the challenge and has said that she would pay but I just don't feel comfortable with that. Why should I enjoy the benefits of dining out from mooching off other people? So I have declined. I figured for Chinese New Year this year I would only modestly decorate my home. Use lanterns I already had. Put oranges from my CSA box on the altar. Buy small cakes instead of the big ones. Skip the fancy flowers I usually buy. You know, try a frugal holiday. And I would just not go to the market with my mom because I was busy with work anyway. Well, my mom needed me to go today and I ended up with the morning off from work so I went with her. I did have some pocket cash so I bought her her favorite iced coffee and a drink for myself while we were shopping ($4) and pitched in for flowers so she wouldn't have to break a large bill ($3). She tried to stop me (reminding me about the challenge) but I just felt like such a crappy person not paying for things I would normally buy for her. My mom wanted to have lunch and I couldn't say no since we were already out and she was hungry, so she paid for lunch too. I felt so restrained. So bad about myself. I just kind of felt like instead of focusing on saving money, I should put all my effort into becoming as wealthy as possible so I wouldn't have to worry about money. But I know fundamentally, that doesn't make sense. My parents came here with nothing and amassed a fortune by being smart, hardworking and frugal. I guess my take away here is that I should have budgeted better for Chinese New Year and put the money in the budget to spend on my parents since it's important to me.

 

Day 18: This was Chinese New Year's Eve and I helped my mom clean her house in preparation. I think I tried harder to help her with manual labor this year over past years because I wasn't able to spend money to help her in other ways for CNY. It's surprising the number of things I used to throw money at to fix. We went to a member appreciation dinner with my husband's Rod & Gun Club, which was basically a free lasagna dinner. Now, my husband and I used to dine out very often and would always have alcoholic beverages with our meal so my husband's first thought was "What are we going to do about wine?" He wanted to bring a bottle but then we'd have to pay corkage. He was literally stumped until I reminded him that we could just drink water with our dinner. He was disappointed but accepted it. It's funny the things we used to feel were just expected expenditures. ‪#‎nospendfebruary‬ lessons.

Day 19: Chinese New Year!! We're celebrating with extended family on Saturday but my husband took the day off work, I took a half day yesterday so we went with my son and mom to a Buddhist temple for New Year's festivities. We pulled out some loose cash we had laying around the house to donate to the temple and to buy somethings for my mom, which seemed like the right thing to do after my Day 17 realizations. Spent $29 guilt free and had a lovely time. We also spend the day eating only vegetarian food in honor of the holiday which is so inexpensive! I think we're going to start integrating Meatless Mondays into our weekly routine.

Day 20: We were supposed to go to Disneyland since we haven't been in a while and we're annual pass holders (it's almost a waste not to go) and they do a Disney Chinese New Year event in one of the lands. My husband decided he didn't want to go to Disneyland if we couldn't spend money and eat the food there. Literally, Disneyland is no fun to him without being able to have some drinks and eat some Disney food. I really love going to Disneyland and even have a blog post written about how to go to Disneyland without spending any money other than one's ticket (http://funsprungfamily.blogspot.com/…/save-money-at-disneyl…) and was really disappointed at my husband's attitude towards this. We stayed home instead. frown emoticon

Day 21: We celebrated Chinese New Year with my extended family. In previous years, we would have given away $500+ in red envelopes, carefully deciding how much each person should get based on where they were in their life. Less for younger kids, more for college kids, etc. I would always have a ballpark of how much we wanted to give and then end up surpassing that amount out of the need to give enough to show off our wealth. This year, I realized I don't care. If I have one big take away from ‪#‎nospendfebruary‬ it is this: My worth is not measured by the money I spend. We gave $20 to each kid and you know what? Everyone enjoyed the new year just as much as when we gave more than $20 to each kid.

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No Spend Challenge Journal: Week 2

This is Week 2 of our No Spend February Journey. Click here for a link to Week 1, Week 3 or the final Week 4.

Weekly Recap
This week felt like a lifestyle shift. We definitely started experiencing the benefits of a life not driven by dropping into the store which turns out is a life driven by non-consumer moments. Instead of feeling accomplished by buying things, we did things. Turns out, lots of skills and lots of good memories can be made without spending a dime!

 Day 8: ‪#‎nospendfebruary‬ is making me a better baker! Because we are running low on bread, I decided to make good use of all the flour in our house. Today I made biscuits and french baguettes from scratch! I also ran out of baking powder and learned that baking powder is only baking soda and cream of tartar so I made my own. I am never buying baking powder again. There are so many things in my pantry that can be decluttered if I stopped buying things that are just combinations of other things I already have. Got through a ton of laundry too. Staying home and baking on the weekend really makes the weekends seem much longer!

Day 9: This morning my mom asked me to find out about dental coverage on their insurance plan for my sister and make her an appointment because she needed a re-root canal done and the out of pocket cost without insurance was close to $1k. Just as I was in the process and found out the co-pay was $350, I asked my sister why she needed it done again. Turns out she had it done a year and a half ago and it's hurting her again. I called the original dentist who did the work a year and a half ago, told them it was bothering her again and they said to have her come in and they would treat it for free. Obviously, because they must have done something incorrectly but still, saving money for my parents!

Today is also the first day I felt stifled or deprived. I was driving by Costa Mesa for work, where many of my favorite stores are, and realized that I couldn't just pop in and buy something. Anything. Just because. The moment was fleeting but it made me feel like this challenge will be tougher as the month goes on. I get freebies from vendors and today I got brownie brittle and bacon jerky, which I snacked on, total junk I wouldn't have eaten if I weren't on the ‪#‎nospendfebruary‬ challenge but I ate it because I can't buy snacks. I'm having a dinner party for my SIL's birthday on Thursday and realized that I have a $25 gift certificate to Target, which I think I might use as the dinner party budget along with a few staples I already have at home. Butternut squash soup (have all ingredients), mixed green salad (have), Chicken Parmesan ($6 chicken, $10 cheese, have everything else) with spaghetti (have) and garlic bread. I was worried that I would have to spend money this week for groceries outside of our CSA delivery but I might actually get to the middle of the month without touching our cash!

Day 10: I did not make it to the middle of the month without spending cash. I spent $78 on food today, a small amount for the dinner party on Thursday, most for 2 weeks worth of food to supplement the pantry. I struggled with the idea of not buying food. Does anyone else do this? I suppose we could have continued to live off the pantry but we had actually run out of meat and whole grain bread, which are two healthy staples in our house that in my effort to not spend money, I ended up using white carb/highly processed substitutes which undermines our health goals. I don't know if I'm justified or just coming up with convincing excuses for spending. We did budget $200 for the month for food, knowing we would likely have to supplement, but I was hoping not to have to touch it.

Since we're a third of the way through, I checked in with my husband about how he felt about the challenge. He said that he didn't feel like he was sacrificing or missing out on anything. If anything, it feels like we have more time. I agree because it feels like we have a better quality of life now. More at peace, in control and the house is definitely cleaner. We briefly discussed doing this again, maybe once every few months, which was not the original plan for ‪#‎nospendfebruary‬. My husband is a prepper and from this challenge so far, I've learned that prepping for an effective no spend month is not that different from preparing for a catastrophic emergency. I'm making a list of everything I had to buy this month and figuring out a way to make/grow it myself for the next time we do a no spend month. 
 

Day 11:  I opened an Amazon seller's account so that I could list all the books I've been hoarding for sale. The app is so easy to use, all you do is scan the barcode, set the price, choose shipping options and list! I am looking forward to purging a lot of these books I have been allowing to collect dust. I'm only keeping books I love, books for my baby, and reference books that I know we'll use. How do you choose what books you purge? Our CSA delivery came yesterday so we're deep in fresh fruits and vegetables! I'm also working on my garden plan trying to figure out how to make my garden as perennial as possible. I found this great site (http://www.smartgardener.com) that does free comprehensive garden planning!

Day 12: I threw that dinner party for my sister's birthday yesterday. It took some pre-planning (making bread in advance, prepping vegetables instead of buying them pre-prepped), but I served Boursin toast points ($5), beet and blue cheese salad ($5), and chicken parmesan ($22), fresh baguettes with an olive oil balsamic garlic dipping sauce, and craft beer ($12), supplemented with things I already had at home, for 5 people plus one child (basically $7.33/pp). I used to spend $100 on average for a dinner party of this size. Or we would go out to eat and spend $150-$200.  It was $19 over my budget of $25 but I do have lot of food leftover. Like enough pasta for another meal, enough chicken for another dinner, enough cheese and sauce for a pizza, enough lettuce for a week's worth of salad, etc. And we had a lovely family meal. Honestly, I was worried that ‪#‎nospendfebruary‬ would really hurt our lifestyle but after a wonderful time last night, I genuinely feel the only things we've lost are the things that weren't important to begin with.
 
 Day 13: Ended up working late and then rushing around to get dinner on the table and get my walk in. We ended up taking a family walk, something my husband is not fond of but in the spirit of Valentine's day, he happily obliged. After all, it's not like we could have gone out and spent money like we normally would. The walk was more energizing and enjoyable anyway. We listened to the Dave Ramsey podcast, talked about our financial goals and future business plans. It was productive. When we got home, he gave me my Valentine's day presents, which he surprisingly prepurchased in January so it didn't violate ‪#‎nospendfebruary‬. It was two gifts; something I needed and then something frivolous. I might have previously just been thrilled that he got me frivolous jewelry, even if I didn't like it because of the sentiment. Now I just wished I had communicated better that I would be happier without the jewelry and the money still in the bank. Also, have you noticed the busier you are, working or being productive, the less time you have to think about spending money? Idle hands and all that.

 

Day 14: We're half way through the month! I'm beginning to see how much advertising really drives the "need" to spend. After watching a few episodes of different food based shows, I wanted to go out to eat. Just have a meal made of food I didn't already have in my house, like a Masala Dosa or Mediterranean Lamb. I was also getting a bit stir crazy being cooped up in the house! We didn't go anywhere but I did bake jalapeno bacon cheese corn muffins. One of the biggest challenges for me so far is falling into a routine. I'm not someone who enjoys routine because the moment it feels like a rut, I want to rebel and do something new and different. I realize that this is part of the reason my husband and I spend so much. In that sense, becoming parents have significantly helped us in the ‪#‎nospendfebruary‬ challenge because routine is GREAT for kids. Since starting the challenge, and really eating every meal at home instead of at a restaurant, taking daily walks to the park with my 17 month old son instead of taking him shopping, and spending more time at home instead of constantly out, he's really showing his understanding of the world. He'll walk over to the stroller and say "Walk," or when it's meal time or he's hungry, he'll climb into his highchair (which he hated previously) and he's happier about his bedtime routine. That is really motivating for me to keep with the routine that we've built to be successful at this challenge.

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No Spend Challenge Journal: Week 1

Sometime in January, my husband and I realized that we had never stopped spending from the frenzy that was Christmas shopping. We weren't big spenders before but we found ourselves getting boxes everyday of something we had bought online because it sounded like a good idea to buy. The Hosh actually bought a $40 notebook holder. Like for an actual notebook, not the computer kind. It was time to admit we had a problem so we decided to go on a spending cleanse to reset out spending habits.

The rules of this challenge include only spending on core expenses, like our mortgage, utilities, etc. and setting up a tiny budget for food and prior commitments. We sat down, drafted a budget detailing the absolutely necessary spending per month. The goal was to stay on budget and not spend any unplanned dollar outside the budget.

Here's the story of our #nospendfebruary.

Click here to jump ahead to Week 2, Week 3 or the final Week 4.

Weekly Recap
The first week was really eye opening. I found that we had more time for family centric activities, developed a deeper sense of gratitude for the things we already had, learned more homesteading skills like making household cleaners and being more mindful of every penny.  We also realized how easy it was to spend money without a thought.

Day 1: I ran out of dish washing detergent and previously I would have run to the store and bought some, and probably a couple of other things in addition because I "needed" them but instead I used all natural materials from around my house and made my own dish washing detergent. My husband thought it cleaned even better than the store bought detergents! Score! My husband entered into the Superbowl Pool (forgetting that it was ‪#‎nospendfebruary‬) at the party we were at. Luckily, I won the first quarter and final so we ended up +$40 after the initial bet.

Superbowl Party Food. Yum.

 Day 2: Packed lunch, crockpot pork roast for dinner, found ourselves with a lot of extra free time since we didn't go out to dinner (the month before we went out to dinner over 75% of the time!) Spent the extra time cleaning and playing with my baby!

Day 3: Spent money at dinner but that was pre-planned before we decided on doing No Spend February. It will be our only meal out during this month. I also went to Walmart with my mom for 1.5 hours and almost bought a few things but each time, I reasoned I didn't need that item. By the end of the trip, this really positive reassuring feeling came over me. It was like being content, feeling like we have enough, and grateful that we have more than we need. 

 Day 4: Found out that our corgi has fleas, likely because in addition to No Spend February, I have started a walking challenge so I've been walking our dog around the neighborhood a lot more and she keeps stopping in the yard of this house that is overrun with outdoor cats, most of which I assume have fleas. My husband wants to take her to the groomer for a flea dip but I looked up an all natural DIY flea dip that I'll be trying to make at home tonight. Also, we're doing leftovers for dinner tonight so that we don't waste any food. I feel like we're making really good progress and actually starting to use the things in our house that have been collecting dust. Maybe a household purge is also in order.

Day 5: I was in Little Saigon today for something work related and usually when I'm down there, I'll pick up some different dishes at the little restaurants/markets because they're inexpensive and delicious. My husband took a day off of work today and usually, if he does that, I try to stop in and bring him lunch. This morning, I literally said, "Oh, since you're home today, I'll just stop by that Vietnamese sandwich place you like and... and get you nothing. Because I can't spend any money. I'll come home and eat leftovers for lunch with you instead." He laughed and said, "Harder than you thought, huh?" I also was running late this morning so I didn't get a chance to make my morning fruit/veggie smoothie or have breakfast so by the time lunchtime rolled around and I was driving home, EVERYTHING was calling out to me. I actually avoided driving on side streets and stayed on the highway as much as I could so that I wouldn't be enticed by driving some new restaurant. I did end up making it home without buying anything but now I need to figure out how to make my own french baguettes at home. This is a huge departure from our normal habits. We would dine out almost everyday for lunch or dinner or both. I wouldn't even think in advance about meals because I assumed I could just stop in and buy whatever I had an urge for. 

Day 6: Paid our mortgage today. I used to just make sure I paid it before the 15th because it wouldn't be considered late but they would tack on a $6 convenience fee. I always reasoned, $6 is like a cup of coffee, no worries. But with the ‪#‎nospendfebruary‬ challenge, Bank of America is no longer getting free money from me! Last night, I also found out that we're paying a ridiculous amount on internet service. I spent this morning reducing our rate plan by $10 a month. That's a savings of $120 a year! I wonder what else I'm mindlessly paying too much for on autopay. 

This OSH is amazing and we still didn't buy anything. #willpower

Day 7: Scheduled my breast pump rental to be picked up. My son has stopped taking a bottle during the day so I don't need to pump anymore! $44/month saved. We also took care of all our recycling and took the $45 we made straight to the bank. While out taking care of errands, I got really hungry but didn't breakdown and buy food. We ended up just cutting the day short and going home to eat. I need to remember to pack more snacks for when hunger strikes. I can see this being a problem in the future when we aren't was close to home. We walked around Orchard Hardware while waiting for an appointment and successfully avoided buying anything but I am reminded that I need to start some seeds for the upcoming grow season. Normally I would have gone to the store and bought hundreds worth of gardening goodies but this year I am going to try using what I have and see what I can score for free. ‪#‎nospendfebruary‬

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Measupro Digital Wrist Blood Pressure Monitor

I have a short list of health based technology as I become more health focused. First was my Vivofit for fitness tracking, along with gadget two, a waterproof heart rate monitor strap to track workouts. Another was a blood pressure monitor as it turns out high blood pressure can be a silent killer. Naturally, I jumped at the chance to review the Measupro digital wrist blood pressure monitor for free.

As a woman, and now mother, my two of the major health risks are heart disease and stroke which can be tied to high blood pressure. On the other hand, low blood pressure can be indicative of diabetes or other heart disorders. All of which can be caught early with regular at home monitoring instead of just relying on annual physicals.

How to read your blood pressure readings:


This chart reflects blood pressure categories defined by the American Heart Association.

Blood Pressure Category	Systolic mm Hg (upper #)		Diastolic mm Hg (lower #)
Normal	less than 120	and	less than 80
Prehypertension	120 – 139	or	80 – 89
High Blood Pressure (Hypertension) Stage 1	140 – 159	or	90 – 99
High Blood Pressure (Hypertension) Stage 2	160 or higher	or	100 or higher
Hypertensive Crisis (Emergency care needed)	Higher than 180	or	Higher than 110

(From heart.org.)

Readings that are lower than 90 mm Hg systolic or 60 mm Hg diastolic are considered low and should also be checked out.

I really like the Measupro digital wrist blood pressure monitor. It takes less space than older blood pressure monitors, stores 3 readings at a time, also providing the averages for those readings and store data for 2 users (perfect for my husband and I. It also gauges whether your reading is excellent, good, normal, poor or emergency level with a marker on the left hand side of the screen. It is also very easy to use and accurate. I'm very happy to add this to my health arsenal. Despite the fact that worrying about blood pressure makes me feel sad and old. 

What other health numbers should I be thinking about?

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Chicken Tikka Masala with #myQuorn

Yesterday, I was craving some Chicken Tikka Masala but with #nospendfebruary, I couldn't go to my favorite local indian place to buy some quick and tasty take out. Instead, I remembered that the nice people at Quorn had sent me a few coupons for free product and I had a bottle of Patak's simmer sauce in my cupboards. With a few tweaks and a hot pot of steamed rice, we had a yummy vegetarian meal that would have fooled even the most die hard of carnivores.

I picked up two different Quorn chicken products. The Chik'n Tenders and the Chik'n Nuggets. The nuggets were quite good, with a great chicken like texture, flavorful breading that was a good consistency. I bet it would fool many kids into thinking it was a non-vegetarian product. It stacks up much better nutritionally too with lower fat calories, lower saturated fat, lower cholesterol and higher dietary fiber.


The Chik'n tenders were also very good. My husband, ever the critic, tried some and noted that the Quorn product was actually more tender and juicy than regular chicken breast meat. He's not a fan of white meat so that's quite a compliment. Personally, I liked that it was so convenient, closely priced to regular chicken and easy to use.

Here's my on the fly recipe.

Chik'n Tikka Masala

Ingredients:
1 bag Quorn Chik'n Tenders
1 jar Patak's Simmer Sauce Tikka Masala
2 tablespoons sour cream
1 cup frozen peas

Directions:
1. Saute the Chik'n Tenders in a sauce pan with olive oil until little brown toasted parts start to show.

2. Pour in the entire jar of simmer sauce, adding water if too thick.

3. Add in sour cream and frozen peas. Bring to a simmer for 10 minutes.

4. Serve with white rice or naan bread. Enjoy!



How do you eat your Quorn?

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Celebrating Chinese Lunar New Year (or Tet) in Southern California

Ever since having a child, I've realized how important preserving my cultural traditions are so this year, I thought I would share how my family usually celebrates Chinese New Year. We're part of the Chinese who fled China into Vietnam when the communists came to China and then fled Vietnam when the communists took over Vietnam so many of our traditions reflect both Chinese and Vietnamese and Buddhist custom.

Leading up to the Lunar New Year

Cleaning the house. Since sweeping on the first day of the new year is not allowed, and many will likely have visitors during the first days of the new year, everyone spends the days leading up to Lunar New Year's Eve cleaning their homes. This is basically the Chinese version of spring cleaning.

Preparing the altar.  This is part of cleaning the house but it's so much more. All year round, we're lighting incense on the altar to pay respect to ancestors and Buddha and Bodhisattvas and often they get dusty with the ashes. Before the new year, the altar must be cleaned and prepared for the abundant offerings for the near year. Usually the offerings include lots of fruit, a Tray of Togetherness (dried fuits and nuts), a sticky rice tamale filled with various savory goodies, and many goodies you can only get during the new year. 

Buying flowers. Flowers are such a huge part of the new year. If you live in a densely Chinese or Vietnamese populated area, you might see floral shops filled with branches of peach, plum or forsynthia branches that bloom beautifully or orchids, chrysanthemums and peonies. Flowers are a must during the new year festivities.

Getting groomed. Everyone flocks to get their hair cut and ready since it is bad luck to get a haircut during the new year and in China, the new year period lasts 15 days!

Buying new clothes. Along with getting our hair done, looking ones best in new clothing, preferably in red, is typical. New year, new threads. In red for good luck. Ya dig?

Decorating with lanterns and posters. When I was a kid, I remember making paper lanterns in school to celebrate Chinese New Year. As I got older and the Chinese design, manufacturing and importing become more sophisticated, I noticed that the lantern game really on point. All the decor items are blinged out in gold sparkles and Chinese characters for happiness and prosperity making everything so much more festive.

Cooking. The particularly talented, like my aunt, spend days coming up to the new year cooking the goodies mentioned before. Though currently I buy all the food or receive it as gifts, I'd like to learn how to make some of the traditional foods in the future. But I always seem to be so busy cleaning right up until 11pm, when I have to hop in the shower before midnight strikes!

Washing hair. Among the long list of superstitions related to the New Year, not washing one's hair is a big one. Washing one's hair during on the first of the year is like washing away the luck of the new year. I hop in the shower right before midnight so I don't have to worry about washing my hair until after the first of the new year.

Opening the windows and doors. At midnight, to let the good luck of the new year in, we open our doors and windows. It's actually quite refreshing because it pushes all the stale air out of the house and leaving a fresh energy.

On the New Year
Family Gatherings. Many families get together on New Year's Eve. In the US, because we all have to work during the weekdays, many families put off the large get togethers for before or after the new year. No matter what day, this is a major holiday where extended family comes together from far and wide, kind of like Christmas or Thanksgiving for Americans.

Taking the day off work. In China, everything shuts down for 2 weeks for the New Year celebration. One might argue it's the only vacation many Chinese get. But in the US, if you're lucky enough to be able to take the day off, many people do.

Behaving well. It's most important to have a harmonious day that isn't filled with anger, fighting or negativity as the first day of the year sets the tone for the rest of the year. Children are told to mind their manners and everyone is on their best behavior.

Visiting the temple. For those who are Buddhist, we try to head to the temple where we get our zodiac predictions for the year, light incense and think of our purpose for the coming year, shake sticks for guidance, support the temple and have a vegetarian meal. Many lay Buddhists only eat vegetarian food on the first day of the year.

Red envelopes. Adults, defined as those who are married, give those who are younger and unmarried red envelopes filled with money after a greeting of "Gung Hay Fat Choy" which means "Best wishes and Congratulations. Have a prosperous and good year." Some places decorate their trees or blossom branches with hanging red envelopes, some also filled with money, others filled with candy.  This is what the children really look forward to.

Gambling. Since many people have red envelopes and are cash flush, there are many popular games of chance played from old to young. I'm not a big supporter of this tradition as I believe it is the reason that the Chinese and Vietnamese community have such problems with gambling addictions but I am often told to hush and stop being a debbie downer.

Food. I could get into the food in detail, but as I mentioned, I eat only vegetarian food on the first day of the year. I do usually get a noodle dish in (for longevity) and have Buddha's food (a delicious medley of vegetables and tofu) and egg rolls (the temples make perfectly crispy ones) but this is a great list of non-vegetarian foods.

Lunar New Year Festivals and Parades. Growing up in Southern California, there was only one New Year Festival and it was in Chinatown. Now, with many booming Chinese and Vietnamese communities, there are festivals and parades all over Southern California where attendees can watch Lion Dances, see the firecrackers and immerse themselves in celebrations so populated, they might feel they are actually in Asia. Even amusement parks like Disney's California Adventure and Universal Studios have opened up Lunar New Year celebrations that are a little more American friendly.

Where are some authentic places you can go in Los Angeles and Orange County for the Lunar New Year 2015?  Here are some suggestions!

The Golden Dragon Parade and Chinese New Year Festival
Central & West Plazas
943-951 N. Broadway
Los Angeles, CA 90012
www.lagoldendragonparade.com
February 21, 2015


Alhambra Lunar New Year Celebration
Valley Blvd. from Garfield Ave. to Almansor St.
www.alhambranewyearfestival.com
February 21, 2015

UVSA Tet Festival
OC Fair & Event Center
Costa Mesa, CA 92626
www.tetfestival.org
February 20-22, 2015

Little Saigon Tet Parade
Bolsa Ave., Main Stage at Magnolia St.
Hanoi Plaza
Garden Grove, CA
www.tetparade.org/
February 21, 2015

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