Today is January 31 and technically the end of my No Spend Challenge. I started on December 30 so I’ve had a pretty good run so far. This isn’t the end though. I’m just going to recalibrate and keep going for a while longer.
This month has been great. I accomplished some goals but still have some work to do. This challenge isn’t about saving money so much as it is about changing habits. I’m not fighting urges but still need more time because the world is a rough place when you live in such a consumeristic time.
It’s amazing to me how much advertising and suggestion we are exposed to in a day whether you’re out walking around, home watching tv or scrolling on your phone. Even when watching a tv show with no commercials you are being sold products and lifestyle.
Social media has rebranded overconsumption as cute, organized, chic or simply the thing that everyone is doing. If you see videos of people unpacking Walmart hauls, redecorating their homes with new furniture every year, or decanting their prepackaged snacks into cute little containers that make their pantry look like a store you know what I mean.
It’s no wonder Americans are so wasteful with money and other resources. We see it modeled everywhere we look.
Meanwhile, I’ve cooked most meals this month using mostly things I already had. Bills are paid and my budget has been obeyed this month. Mind you, my challenge these days isn’t nearly as strict as it once was. For example, I allowed myself to keep the Book of the Month subscription. My job took me to a bookstore for a writing assignment and I bought two books while there because I couldn’t go representing my job and leave empty handed.
These things were budgeted but the budget was for the amount of books, not the cost of them. Remember, I’m here to change habits and buying books is a hard habit that I don’t want to break but do need to harness.
I’ve barely been inside a store since last month and haven’t been tempted by any online shopping. Life in my snow globe using what I own has been pretty awesome.
Last night I combined a can of tomato basil soup with half a bag of frozen cheese ravioli to make the absolute best and unexpected comfort food. The leftovers will be amazing. I intended to use half the contents in my refrigerator freezer this month and probably have. It’s not nearly as full even though I’ve added a few leftovers for later.
Mt craft room is as organized as it has been in years. I still need to vacuum in there. Some shelves need organized better and I have two containers to sort but I’m gonna go ahead and start celebrating the fact it’s safe to open the door and let Scout explore.
Plus, I have read twelve books this month.
I’m calling January a success.
Next month, I have budgeted for a birthday gift for my mother and a Valentine’s Day excursion with my fella but will otherwise continue with the January rules.
I know people whose No Spend Challenges are extremely strict. Mine were in the beginning years too but I’ve found over time that it’s more productive to plan for life’s extras rather than pretend they don’t exist. I’m not going to say no to our Valentines tradition just because it involves spending a little money when it’s something we both enjoy and delaying it a month sounds silly.
If you’re thinking about trying a challenge like this, I want you to know that saving cash is a wonderful side effect but that’s temporary if you go back to your old ways as soon as the challenge ends. In my world, there is no list of things to go buy when it’s over. That wouldn’t contribute to habit change at all.
My goal is to learn my own triggers and find ways to combat them in the future. And yes, the past has taught me that I will eventually fall back into some bad habits.
That’s why I do this every year – to reset and improve. I am human after all.
If you’re considering a No Spend Challenge, February is a great month to try because it’s the shortest. It’s only 28 days!
Here we go again. It’s January and that means I’m in the midst of a No Spend Challenge. This tradition began back in 2018 and it has gradually transformed from something that was endured to something I enjoy.
The last couple of years have also reminded me of how privileged I am that this is something I do for a a month or two a year rather than a forced and permanent lifestyle.
So many people are truly struggling. I don’t know how people are feeding and keeping shoes on their kids. Many elderly folks are choosing between food and medicine for themselves and care for beloved pets. So I know that my rules, lessons and reminders sound downright tone deaf in a society where so many struggle.
Don’t think that’s lost on me.
Here are the basic rules I set for myself.
Pay bills.
Buy gas and pay for vehicle maintenance. This is how I get to work and a non-negotiable.
Buy groceries when needed. This means I use what I have first and buy what may be needed to complete a recipe or pull together a meal.
Buy what is needed and pay for necessary repairs. If my hot water heater dies, I replace it. If I realize my snow boots are worn out, that could pose harm to my body. They need replaced but I don’t get to go shopping for other shoes for fun.
There are sometimes pre-approved non-essential expenses. One of those is coming up this week when I interview a small business for work. I never like to leave one of these interviews empty handed and will give myself a budget to buy something.
Eat out when there’s really no choice. This means packing lunch and carrying a water bottle and snacks when I leave home. Sometimes I find myself in work situations that require eating lunch out but I can’t pick up pizza just because I’m too lazy to cook.
What’s the point of all this?
Well, it’s nice to save some money. It also teaches me something about myself and helps me reset habits, ultimately leading to some long term benefits.
When I can’t stop for a Diet Coke, I drink the water that’s in the cup holder next to me. That saves a couple of bucks but, more importantly, it’s better for my health. I’m not stopping at the Dollar General down the road just to see what they have or to get one $5 thing that quickly adds up to $30 worth of impulse buys.
These things sound small but 24 ounces of water instead of a fake sweetened drink is a lot. Thirty dollars here and there add up.
We are, after all, a sum of our habits.
When I’m not spending, that means I’m not running around so much. I’m staying home more. I’m using what I have to prepare delicious meals and experimenting with baked goods. This weekend I discovered a woman in Kentucky named Mamaw Gail who gifted the world her biscuit recipe via a Facebook video. They are delicious, simple and easy.
I’m taking care of what I have, cleaning my home, decluttering what I no longer need, and getting more rest.
This time I have some more refined goals.
One is health related. Water, sleep, relaxation, nutrition and movement are all part of this attempt to calm my nervous system. Less stress and more relaxation. Less sitting and more doing. More play. More of what makes me happy.
Another is to focus on using up the odds and ends in the refrigerator freezer. I have a chest freezer for longer term storage but the refrigerator is where I keep things that need used up. Half a bag of frozen broccoli, two veggie burgers, and tomato soup I froze last month languish next to a bag of cauliflower rice I’ve been meaning to use. I accidentally bought frozen spinach which I do not like. I need to find a recipe that uses it up. My goal is for that freezer to be half full instead of stuffed to the gills by the end of this month.
I also intend to read a lot. Plus, there’s a writing project gnawing at my brain and a craft room with so much potential. I’m getting closer to making it nice enough use!
What won’t I be doing?
I won’t be shopping for entertainment. I won’t be seeking out new products to try just because they exist. I won’t be clicking on ads. I won’t be accumulating lists of things to run out and buy at the end of the challenge. I won’t be counting down the days until it’s over. I won’t be looking for loopholes or pouting because I can’t buy something.
If there’s an impulse to buy something, I can look through what I own and see if there’s a good alternative already in my possession. What can I use or do instead of running out and buying something?
You know, it wasn’t that long ago that people didn’t go to the store or eat out all the time. They couldn’t order from Amazon the random things they think they need the minute they think of them. The Great Depression forced people to live with the mantra “Use it up, wear it out, make it do or do without.” I’m not advocating that anyone do without but there’s something to be said for using fully the thing you already own.
A No Spend Challenge is meant to be personalized to your own lifestyle but it isn’t for everyone. I know people with spouses or children who would simply refuse to participate. Others among us just aren’t interested or have an incompatible lifestyle.
For me, it’s a lifestyle reset and a chance to gain insight into my own habits and preferences. I always learn something about myself and one of those things is that I often curate bad habits during the holidays. There’s way too much shopping, eating out, and overall abundance that can easily become longterm habits.
I’m not saying that anyone should do this. I’m saying this is what I do and it has served me well. That first year or two were hard but it now almost feels like a game. After the gluttony and overconsumption of the holidays, this is a timely reminder that my value in this world is more than just a consumer.
I have written on this topic in the past if you want to search for previous challenges. I’ll write more this month too!
A trademark of January around here is the unusual amount of piles that are waiting to be dealt with. Piles, piles everywhere! While it’s part of the process, it’s pretty annoying.
This is not how I enjoy living.
Decluttering is one of the most amazing things I do in winter but, my goodness! What a process. There are piles of bags and boxes to be donated on Friday. There are piles of items for the recycling later this week when it’s a little warmer. I have to take my recycling to a place in town so I don’t really want to lug it all around when it’s below zero. There are piles of trash bags to go. There are things to be returned to the store. There are piles of books to be donated to the little free library down the road.
Then there are the piles of things that stay. Piles of recipes to try or toss. Piles of books to be read. Piles of puzzles waiting to be pieced together. Piles of papers waiting to be sorted. Piles of bits and pieces of ingredients waiting to be turned into something good. Piles of literature for trip planning.
So many piles. So much to do. So much that I truly don’t want to deal with. Ha!
BUT I do feel incredibly accomplished as I can tell you that I have decluttered over 150 items so far during this No Spend Challenge and I still have a ton left to do. That feels pretty darn good!
So I’ll take the trash out tomorrow and get the recycling, donations and returns out the door asap. Tomorrow I will try a new recipe and maybe start a puzzle or begin planning a trip.
Or maybe I’ll resume decluttering and make more messes! Are you decluttering or spring cleaning this month?
Remember, fellow adventurers, these cold winter days are the best time to get your housework caught up. You want to be free to set out on those trips, hikes and fun adventures as soon as the weather improves. So let’s get it done!
The very best thing about January is that it’s the month of my annual No Spend Challenge. I started this tradition back in 2018 and look forward to it every year. While it started in 2018 as only a way to save money, it has evolved to be something more enriching. It is still about not spending but it’s also about better understanding my values, resetting how I spend my time, and perfecting a form of self care.
What is a No Spend Challenge? Well, that’s up to you. That’s because you make your own rules and set your own priorities. Here are mine:
I pay my bills.
I buy gas for the car.
I buy grocery, personal care and cleaning products that I need.
I stop eating out unless necessary. Sometimes I travel during my workday and lunch with colleagues is an allowed expense. Fast food because I’m too lazy to cook is not allowed.
Every other bit of spending must be assessed. If I break the heel on my favorite work shoes, I’ll shop my closet before going to the store. There will be a decent pair of shoes in there even if they aren’t my favorites. If I blow out a tire on my car, I have it replaced. My car is how I get to work and, in a rural area with no public transit, this is vital to my ability to keep my job.
This isn’t a license to be cheap. If someone is collecting cash for a coworker in need, I still give. If I eat in a restaurant, I still tip my server.
I try to make it fun!
So those are the ground rules but there’s a lot more to a No Spend Challenge than just the rules. You see, when I’m not out adventuring and spending idle time shopping, I suddenly have more free time and I spend most of it hibernating at home.
Here are some things that happen:
Less Online Time – I practice hobbies, read, declutter, clean and rest more. I purposefully walk away from my phone as much as possible given that I manage social media for work. I worry sometimes about what screen time is doing to my brain and attention span and how it will impact our society as more people exhibit signs of addiction. I still spend time on social media, googling random questions and playing in Pinterest but try to do it more mindfully.
Cook More – When I cook more, I tend to eat better. Plus, I’m using up things that might be languishing in the back of the cupboard. I went through my pantry the other day and pulled out a handful of things that are nearing their best buy date. Some canned apples will soon be apple cobbler. That’s hardly health food but I can make it with healthful ingredients and really, what’s better than a fresh baked goodie in winter? A bottle of salad dressing will make a great marinade for some roasted veggies and potatoes.
Waste Less – I am not a wasteful person but I’m more alert to potential waste during these challenges. For example, I will scan the fridge every day for things that need used or frozen. I keep a bag in the freezer for odds and ends of peppers, onions and mushrooms because this combo is my favorite in omelettes, quiche, homemade pizza and pasta dishes. Leftovers often get frozen for future enjoyment and I’m better at using what I have rather than stopping at the store for something better.
Use Up Stray Stuff – This may sound nuts but sometimes my hair gets tired of the shampoo I’m using. It’s like it no longer feels clean or it feels flat. So I switch to something else and put the other bottle away for later. But later never comes because I end up forgetting about it and buying something else. How many half used products do you own like lotions or random hair products? I shop these on-hand products more carefully before buying new.
Declutter– On a related note, I tend to declutter more in January. This year, my January goal is to declutter 100 items that I no longer need. Nothing makes you want to stop shopping quite like dealing with the massive amounts of stuff you have that you don’t need. It’s especially sobering when you realize how much you spent on that item you no longer like.
Practice Gratitude – On a related note, nothing makes you appreciate what you have quite like a No Spend Challenge. If you are satisfied and at peace with all that you have, you are less likely to want more stuff. I try to set aside time each day to stop and think about the many abundances my life provides.
Do Things You Enjoy – Every December, I begin making a list of things to do during my No Spend Month. My list includes hobbies, hiking, a chat with a friend, decluttering, movie day at home, planning a summer trip, making a new recipe, writing a short story, playing with my cat, exercise, putting together a puzzle, and rearranging things I already own to freshen up my home. My list is extremely home based and solitary because that’s how I roll. Your list might include free events at the library or hosting friends for a potluck and game night. There may be free activities in your community to get you out of the house. My list currently includes 71 activities that I enjoy.
Rest – Cutting out the extras and staying home creates more time for things that matter. For me, rest is extremely important. I don’t always sleep well and my body naturally makes me feel unrested even when it should feel good (thanks to my thyroid for this fun trick). In the winter when I’m stressing over a work project and fearful of all the bugs and germs people are passing around, I like to prioritize sleep. It’s good for you!
Build Better Habits – Ideally you won’t reach the end of your challenge and run wildly back to your pre-challenge lifestyle. I like to build better habits that will at least carry me through the season. For example, free activities, cooking at home, embracing the darkness for an earlier bedtime, creating a more healthful schedule, reading and avoiding things designed to create lifestyle dissatisfaction will make my life better.
Some years, my challenge will bleed into February. One year I made it to March 31! For the last couple of years, I have kept going through February with some modifications to accommodate an exception. This year, I would like to ensure that my better habits carry me through March. Maybe then I’ll reassess how to retool those habits to accommodate the rest of the year when I tend to be outward bound, seeking adventure and fun anytime I can. There has to be some balance!
While it’s important to make your own rules, it’s equally important to remember that there is no room for negativity and deprivation during this challenge. Unless it was in the first year, I don’t think I have ever been upset because I can’t buy something or go do what I want to do. Instead of thinking about what I can’t have or do, I focus on all that I already have and the excess room there is to enjoy it.
My challenge is different than others because I built it to suit my own tastes and boundaries, needs and interests. It’s easier for me because I don’t have a spouse and kids who don’t buy in to the idea. It’s easier for me because I genuinely believe it’s vital for human beings to embrace the winter season and that quiet time at home is as good for me as hibernation is good for the animals. The earth puts herself to bed for a reason and so should we.
So much of what I have touched on here is just a 10,000 foot view of my No Spend Challenge. I hope to take a deep dive into a few of these topics to help you make sense of them and perhaps find inspiration to do your own challenge. And if you’re not digging the concept, you still might find some inspiration for your own daily life!
I know people for whom every day is a No Spend Day because they don’t have money to spare. I know others who should be doing this because their spending habits are out of control. For many of us, the holiday season was expensive and there were demands on our time and money at every turn. This is a terrific way to reset your relationship with money, to reset how you spend your time and to just slow down your life to a more relaxing pace.
Want to know more? Ask your questions and I’ll try to answer them!
This is day six of my No Spend Challenge. So far, things have mostly gone as planned. There was an unplanned doctor visit and some OTC medicine and I stopped at the store for some produce to get me through this coming week. Every dollar spent was well within bounds of my rules and nothing was spent on anything unnecessary – not even a book!
This was my first week back to work after the holidays and I was a bit sluggish so evenings were quiet. I decluttered a few things and tidied my laundry room. I enter the house through this room. It’s where shoes are kicked off and where a tall open shelving unit serves as a pantry. It also tends to be messy so it was a relief to clean up this space because it was starting to cause anxiety.
There remains a long list of things that need done and things I want to do that will keep me entertained through the winter.
The No Spend Challenge is most successful when I focus on my own thoughts and actions. Nothing makes me appreciate not shopping like decluttering and nothing makes me appreciate staying home like feathering my nest and being cozy inside. While cleaning last night, I discovered no fewer than a half dozen bottles of shampoo of different brands languishing in the cupboard. There’s clearly no need to buy more until this supply is exhausted. It makes me wonder how much more excess lurks in the corners of my home.
THIS is part of the purpose behind a no spend challenge. It isn’t about deprivation or about being miserable. It’s about taking a hard look at how you live, the excess that fills your home and the choices you make. It’s about being happy with what you have.
One day next week, I’ll have to buy lunch while out with colleagues. Eating out right now is problematic because of nutritional changes I have made but, as far as the challenge goes, this is fine. Dining out because there’s no choice is acceptable but it’s not ok if I’m just doing it because cooking is hard. So far, every morsel of food I have eaten since January 1 has been prepared by my own hands – nothing processed and nothing from a restaurant – and I’m much happier.
Are you doing a No Spend Challenge? How’s it going? This is my sixth year and I look forward to it each time. I’m always curious to hear other people’s stories!
January is a special month for me and I have come to look forward to it. This is the start of a slower period and one where I intentionally keep things quiet.
You see, I do a No Spend Challenge where I intentionally stop spending money, stay home, use what I have and focus on being happy in the world I have created here. It’s a type of winter hibernation and I savor these quiet, cozy days at home.
How does it work? I’m so glad you asked.
First off, I pay my bills and buy needs. This should go without saying but you have to pay your bills, put gas in the car and buy food to eat.
That’s about the extent of it.
During most of the year, I don’t typically eat out a lot. It’s mostly when I’m traveling for work or on adventure days. My biggest weakness is buying books, accessories and bargains at TJ Maxx. Another weakness is at the grocery store. I like having lots of fresh produce and tend to shop sales to stock up on pantry items.
That said, compared to most people, I live frugally and without a ton of waste. In fact, I live this way so I can afford to travel and to do the things I enjoy.
During my no spend months, I question every purchase. I don’t buy a candy bar without questioning motivation and need. You may find it shocking to realize how many things you consider buying in a month when you say that you can’t buy anything.
I know people who spend five or ten dollars a day just on snacks and drinks while they’re at work or commuting. That’s upwards of a hundred dollars every month and way more than I spend on car insurance for a month. Is a snack really worth more than a grand a year?
I’m going to say no. Yet these very same people often complain that they have no money and make snide remarks about how it must be nice to travel so much.
There are some exceptions to the no spend rule. For example, genuine need shouldn’t be ignored. If you work in an office environment and break the heal on your dress shoes, you’ll either need to repair or replace them. But first, shop your own closet to see if you have something appropriate to use for a while.
If I’m traveling for work and can’t pack a lunch, you bet I’ll eat out. If the car needs a repair, that’s important too.
Instead of going on adventures and spending money on museums or movie tickets, I spend my Saturdays at home. This gives me a chance to sleep in, to work on my hobbies, have a movie marathon, dive into a book or take a walk. I focus on getting things done at home and doing things I enjoy.
I shop my pantry and freezer to experiment and create meals. Instead of buying a package of cookies, I make homemade cookies or muffins with pantry ingredients. I also usually make a few kinds of soup that I can freeze in two serving containers so I don’t feel the need to buy canned soup.
My grocery trips typically involve produce, eggs and whatever ingredients are needed to fill the gaps.
Whenever I feel the urge to buy something, I make a list of all the stuff I want to buy. I review that list at the end of the challenge and consider two things. Do I still want the thing? How much money did I save by not buying the thing?
After being in the habit of shopping and spending over the holidays, it’s a healthy move for me to say no to spending on extras. It isn’t always easy and sometimes it feels like work. However, it is eye opening to realize how many times a day I say no to buying.
If you’re looking to pay off holiday debt or to save for the adventures ahead, this is a super way to do it.
One more thing. What does it take to waste $10,000 a year? Just $27.40 a day or under $200 a week in unnecessary spending. Think you don’t do that? Maybe you don’t but you might be surprised at how much you do waste.
