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Have you tried a no spend challenge? Doing a no spend month can be a great way to get kickstart financial goals like saving money or paying off debt.

A no spend challenge is set period of time where you go without spending money on anything outside of your essentials like bills, basic food, medical needs, etc.

Also known as a spending freeze, these no spend challenges are a way for many people to reset after a period of excess spending. This is why many people attempt no spend challenges in January after spending a lot of money on Christmas.

Despite all the flexibility in setting up no spend challenge rules there are some typical guidelines to follow.

Typical Spending Allowed:
Mortgage/rent payments
Bills
Groceries (basics only)
Medical needs
Gas
Debt payments
Etc.

Typical Spending NOT Allowed:
Restaurant meals
Coffee shops
Gas station purchases beyond gas
Salon services
Cable/Streaming TV
Clothing
Anything under the “want” category of spending

The differences in these categories or what is allowed or not allowed in a no spend challenge closely follows what you NEED versus what you WANT.

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