💰 NO SPEND CHALLENGE » 8 Spending Freeze Tips to NO BUY and Save More Money | FRUGAL LIVING

[@CarolineAMDG]

I’m trying to reduce mindless spending and have an attitude of gratitude for what I have. ❤️

[@KINGTHEYORKIE]

This is me too❤

[@homehere9817]

🎯

[@netjevdksvrgw5310]

I am trying to save money, because both my husband and I lost our jobs. So we have to spend our money more wisely. And think twice before we buy something

[@ashbsworld]

Although I'm not doing a no-spend challenge, I am doing an "ethical-clothes-only" year. I'm not a big shopper, but I recently did some research and found that much of my closet comes from brands having negative environmental and social impacts. So, the clothes I buy this year have to either be 1) made local 2) thrifted or 3) made by ethical brands (Good on You is a great resource for this). It sounds tough, but I decided that if I'm not willing to put the effort into making sure my clothing fits into one of those categories, then I don't need to buy more clothes. Good luck to everyone on achieving your personal goals this year!

[@AtoZenLife]

Good luck 🍀 to you as well!

[@LALambino]

Me too!! I’ve recently found some eco conscious local brands and a few thrifting businesses that I choose to support. I noticed that it started to become a spending addiction for me as well so I’ve decided to just shop only when I have store credit from consigning from these stores. Takes care of both my clutter and spending issues. Haha

[@juliekonigskind6434]

I‘m started that same challenge last year and it went so well, that I am never going back! All my clothes last year have been thrifted and by companies with high ethical and quality standards. I find that by buying quality over quantity, I have no need to buy new clothes often, which is a great side effect. Good luck with the challenge, I believe in you.

[@mjcossel6136]

Yes, buy fair-trade clothing if you are against slavery!

[@cindyparker8264]

I really enjoyed this idea. Thank you for sharing

[@LoriTaylorSmithGA]

🏡 On the homestretch to paying off 30 year mortgage in 8 years! Putting all savings through no spend challenges toward principle! Also, breaking huge soda addiction and doing the same with that money, hopefully permanently.

[@NYtoNC]

That's an amazing goal🎉

[@brittanyroscheck]

Wow!! That’s awesome!

[@billymacktexasdetective5827]

My mortgage is 3%, so I won't be paying that off early. The extra money goes into the market for a much larger return than saving 3% interest on the mortgage...

[@bricknercj]

My why is to break my Amazon addiction! I'm in for the month of Feb. Starting *right now.* No online shopping other than grocery, and no groceries that I can source in my freezer and pantry. Good luck, everyone!

[@AtoZenLife]

Good luck 🍀 Kelly!

[@andrearichter3413]

Priority #1: saving for a trip to Germany so my 3yr old daughter can finally meet her great-grandma and grandma. My husband has been wanting to visit home for years and now we’re making it a priority to see family, even if the flight is 9 hours.

[@AtoZenLife]

Awesome! Where in Germany 🇩🇪?

[@andrearichter3413]

@@AtoZenLife - Offenbach, it's just south of the river from Frankfurt.

[@Fatima-qx6uw]

i live in Germany and my whole family live in another country.

[@RedScareClair]

❤️❤️❤️❤️❤️ We are in the same boat. My husband's grandparents moved back to Colombia full time and say they are too old to come here to visit anymore. So we can't wait to bring their great granddaughter to them ❤️

[@rashmim6983]

Hi, Marissa Happy to see you. I am on a no spend self challenge since late 2019.... Haven't bought any personal items like clothes, shoes, bags, jewellery.... determined bro continue for 5 years... I am also on self challenge of not to accept material gift accept food and experience....for life time... Not buying single use plastics for life time... It's not easy... And I keep list of rules in my phone to stick to my goal...... I have

[@aliciaamond8148]

To pay off a credit card, again. I have two kids that grew a lot on me almost every season and I couldn't keep up with it. So now, I'm paying it off again, while trying to save up money for them. That's my no spend challenge. Super hard, but will be rewarding

[@Chrissyhappy]

Saving towards my son’s university fees. The less I waste the less debt he will have. Massive motivator.😊

[@jacqueline5625]

I have started doing no spend challenges on clothing for 3 months at a time, to save money and have less of a negative impact on the environment.

[@katiewolf9561]

I'm doing the no spend challenge because I am a hoarder and I often find myself impulse buying things and never letting go of them. I believe that doing a no spend challenge will help me to correct my bad spending habits and allow me to find ways to be happy with what I have, in stead of what I want.

[@renaeans6793]

I want to be a good steward of the money I have been given , build integrity and trust , be someone my husband can be proud of when he thinks of finances instead of shaking his head and saying “can’t count on you for saving money “

[@Morochis]

I just did a January no spend challenge and it went really well! I’m going to do this for February!

[@AtoZenLife]

Woohoo 🎉 go for it!

[@RedScareClair]

2 months in a row?? How's that going??

[@jacobvanness5979]

Less material clutter is less mental clutter. Material possession obsession is so unhealthy. I was stuck in this loop for years and am on my way out. I find my head is so much more clear with less stuff. More time for things that matter. More of a reason to focus on quality in the things I do have. Helps keep perspective and remind me to be grateful for what I do have. This is my why.

[@judyludden]

I did Spending Freeze and Empty my Freezer in January…will continue on in February (I can’t believe we still have food in the freezer!) all the best to all who’s up for this challenge 😀😀

[@annieyoung551]

I'm doing this because I want to become more self aware of my finances! I never remember where my money goes, am an impulse buyer and I never ever realize just how much I spend every week on non essential stuff! So it's gonna be interesting to see how much I save because I literally have no clue! Am doing medium level! Wish me luck for my first ever no spend challenge! I feel like I'm doing it with you so that's really cool, and just wanted to say thank you for giving me the idea in the first place ☺️

[@erikherinek]

Totally can relate! So happy to join in into this challenge as well OwO

[@chevelleflorida]

Hope that you've made great strides in getting your spending under control and are firmly rooted in a spending plan that is aligned with your goals.

[@monique.110]

My why: get out of debt and knowing that buying “things” won’t bring me happiness (it hasn’t in the last 10 years, so it won’t now!). Eliminating one category is so helpful! Thanks for such a great video

[@oliviapike2539]

I’m planning on doing this challenge for self awareness, breaking my mindless spending habits and most importantly saving for a house deposit! 🏡💸

[@sandrinebj7456]

My why is : buying my first house 🥰🏡 Thank you for all the tips 😄

[@AtoZenLife]

Cheering 📣 you on!

[@TheChosen761]

Me toooo !!! 😊😊😊😊

[@elizabethbaxter4996]

I hope this will be my goal one day in the future, saving a deposit for my first house 🏡 🤩

[@myconfusedmerriment]

My why is to beef up my emergency fund after a lot of unexpected expenses last year. I have a tendency to just mindlessly add little things to my cart, but lots of little purchases add up quick! I’ve basically set myself a budget for non-essentials this year, so not quite a no-spend, but it’s already made me way more conscious about what I bring into my home.

[@MJ-cz5gx]

I started a No Buy challenge last month. The only things I have brought have been essentials and then paying bills and rent. I've been selling all the things I don't need anymore and doing online surveys for extra money. My challenge is still ongoing as this year I want to buy my first home.

[@gabriellawilmink9739]

I audit my pantry and fridge and meal plan for 5 years and saved a lot of money, but now with the constant fear of lockdowns and warnings from the government - I started "hoarding" while I'm a minimalist. Would you make an episode on this one, please?

[@AtoZenLife]

I think this would be great for someone with a psychology background to dig into - do you know Slice of Light? You should ask her to do one!

[@crimsonrose51]

I'm doing a no buy year for 2022. This is my first no buy year challenge. I tried doing a low buy the last half of 2021 but didn't understand needing rules, guidelines and goals. So far my first month has been very successful. I've saved 3 times as much in January as I did in the whole 7 months of doing my low buy

[@michelleprice5945]

My why is to be more aware what we're spending money on. I tried to meal plan for 2 weeks but still had to grocery shop for a few things the following weekend, I was bummed I didn't make it 2 weeks but I'm trying. ❤️👍💪

[@nicolecallis2138]

Thanks for the prompt for viewers to share their why. I am tired of overspending beyond my means. I am looking for a more simplistic life. We are in the process of moving and although we are not big shoppers, I am appauled at the number of items we have an inventory we are managing in our lives. Extra stress adds unnecessary stress.

[@BETH..._...]

My why's: •Mindfulness •Discipline •Priorities In my household, I want to lead by example.

[@MarfMerf]

Doing a No Spend to help save money to finally leave public school teaching and open my own small business, teaching art workshops. Every little bit counts!

[@lorikorstanje2964]

we are saving money for a vacation this summer! a no spend in January and now also a low or no spend in Feb also!

[@mariawerner1801]

I’m on day 4 of my no spend challenge (march). I chose level Medium for my first time, it feels right just for me. So excited to do this and my reason is 💵💸 I don’t have the economy to shop to be honest and I don’t wanna have any debt because of shopping. I’m also decluttering my home and donating the things, feels so GOOD! 😊

[@erikherinek]

As somebody that spent their money in a VERY stupid way quite recently, i think it's really a good idea to slow the heck down and actually save it up. I've already managed to quit buying clothes that i don't need, which is a huge move. Now just to not spend money on stupid things i don't need and i can finally really save up. Imma try this challenge and see if i can do it.

[@vindoodles7346]

I have an addiction to eating out and ordering in that needs to be broken. A great deal of my income is literally being eaten. No-spend challenge, here we come!

[@beths5283]

I know its been a long time since your comment but how did you get on? I have the same problem and would love to hear some tips if you have any

[@randocalrissian9847]

My reason is to stop impulse spending for brief moments of satisfaction. I want to develop healthy money habits. Thank you for this!

[@LaJuana558]

I started no buy in January with goal of boosting savings that will cover all unexpected expenses.

[@tinamcclurg3286]

After making the decision to eliminate synthetic material from my wardrobe (95%) I have my wool and cotton mostly comfortable duds. I’m keeping some dress clothes for weddings /funerals or the unknowns. Since I’m predominantly in a rural area there’s not a clic for conformity besides I do me pretty well ! I eliminated half of my closet goods and have room to organize the rest. I’m finding freedom !! Gonna keep going with the process as I have a ways to go . As a craftsman I choose to keep my tools and will bequeath excess in that area to encourage or inspire others to work with wood. Bigger payoff than to make a little from selling them. Kitchen and household items are being given to a free store for needy persons . I’m not a radical minimalist but I’m seeing a benefit from getting stuff out of here so I can get on with life as a focused person !!

[@janeelisa6838]

I just came out of Walmart for a small shopping list and spent around $190 dollars and noticed that items went up 25% just lately. I want to save $ for better experiences instead of having a house full of stuff. Thanks for the tips.

[@Claycat4]

I think January was my no spend month. I was sick for about half of January. I was amazed at how little I spent. I didn't go anywhere and barely shopped. So, I'm good for now!

[@AtoZenLife]

Hope you feel better now! 🙌

[@Claycat4]

@@AtoZenLife Thank you! ❤️

[@slawomirsokolowski2779]

When I realized that there's less and less money available in my household, I initially decided just to observe and write down each and every expense - necessary or unnecessary. I have been doing this for about 6 months, before making any decisions - what and where to cut down. I really like your suggestions :D

[@mckenzieholstine9391]

Well i am saving for two things. Number one a big hug surprise gift for my daughter and then second a vacation trip for myself. I don't travel that much and also i don't take time off or days off for myself. So i am going to treat myself.

[@beneliska]

I would like to brake the guilt fed feeling that I need to buy more in order to be a good mum. I would like to replace buying things with spending meaningful time together.

[@tatianabuchanan3627]

I am currently trying to pay off debt and move states, and this is something I know I need to focus on. ✨

[@by_sha]

I’m going to challenge myself with no spending on fashion items for Feb. I need to break the habit of browsing these few websites just out of boredom in between my thesis, or while managing secondhand listing. I’ll aim for only selling clutter items and not making a single purchase, and see where I’ll end up with in a month 🙌🏻

[@teochick]

My why is because I want to save up for a weekendtrip to Aarhus (DK) so my son and I can attend an event for families affected by Noonan syndrome. A rare genetic condition that my youngest son suffers from. The thought of seing my son playing with other children affected by Noonans and me meeting other parents of specialneeds children, is a huge motivation. I'm planning on doing the entire month of February on level medium. That'll save us some money.

[@rachelarmstrong807]

Rewatching for inspiration! Thanks for your videos! Here's my why: 2 large expenses hitting in the same month.

[@catharinab8860]

I’m still on a low spend after christmas because I’m SO tired of shopping. My daughter want to go shopping but I’m just saying NO to that. Even though I have some gift cards I can use. In january we’ve been eating from our pantry, fridge and freezer to make sure nothing strange hides in there 😂 I’m taking advantage of some really nice annual sales here in Sweden. I’m buying all of my seeds for my garden on 50% off this week. The annual book sale is in the end of february as well, but I have gift cards for that 🤑

[@AtoZenLife]

🤑

[@elizabetharaujo1323]

I find it so exciting to put gift cards to good use for items you're actually looking forward to vs spending them on random things. I hope you find some great books 😊

[@kathleensmith8336]

Our city hosts an annual book swap (usually held in January) where you get a voucher for the number of books, CDs, DVDs, etc that you bring in. The city categorizes everything, and then you can come back for the book swap two days later and exchange your voucher for the same number (or less!) of similar products. So you declutter, don't pay, and hopefully come back with less than you dropped off.

[@catharinab8860]

@@kathleensmith8336 this is a great idea!

[@shandke]

I need to break my impulse spending habits and clear out some junk, so I’ll be attempting my first no spend challenge.

[@donnarakitzis2719]

I agree it’s important to be prepared for a no spend

[@bqz4380]

When I was busy with my projects, I didn't have time to think about buying anything, and had no interest in buying anything (maybe I am too cheap). I live 2 miles away from my office, I walk to work everyday. I eat breakfast at home, bring my own lunch to my office, and brew my own coffee in my office. For the last 6 years I haven't carried any cash in my pocket. I only carry a phone with a credit card for emergence. I guess people like me are born to be a minimalist. The good thing is that when I need to buy something that is really necessary, I never bother to check my bank account balance or credit card balance. Yes, I am frugal, I am cheap, but I enjoy the sense of financial security.

[@maverickf13]

The tool and skill of being no spend for a period of time is freedom to follow your values without negative consequences. I love your channel.

[@MissNewsky]

I want to nurture gratitude by making do with what I have❤

[@laurenfrias7046]

Okay, my why: My partner is building our eco house, I am due with our 4th in 3 weeks so I’m not working anymore. We are living off our savings and I’m trying to stretch it out as long as we can.

[@AtoZenLife]

"Don't tell me where your priorities are. Show me where you spend your money and I'll tell you what they are." - James W. Frick. Printables here: shop.atozenlife.com/products/minimalist-budget-binder ► 💻 READ THE BLOG POST » atozenlife.com/no-spend-challenge/

[@bethanya4974]

I just (mostly successfully) finished a no spend month prompted by another KZbinr, so I have a few things I have to buy. But my goal is to buy the few items I know I need (the delayed gratification is great for crystallizing needs vs wants) in the first week of February and then go for the medium track the other three weeks. Unfortunately we had about $500 in unexpected vet bills that undid the financial good of our no spend January, so recuperating from that and hopefully getting a little bit ahead will be a major incentive. Thanks for the inspiration and great tips Marissa!

[@kaw8473]

I realized that I fell into this "I'm an adult so if I need something, I should just buy it" mentality. I've re trained myself to add things that aren't crucial to the household to a Christmas wishlist and it kind of forced my shopping into a no-buy corner.

[@maryb-h980]

I am don't have a problem with not buying clothes and household stuff, but due to many food allergies, if I see 'my' foodstuffs at a good price, I can't seem to rely on the inventory and just have to get more. MUST STOP IT for FEB 🙏

[@SandStorm09]

I tend to buy things based on 'eventually needing them' and also I shop as a way to deal with stress. It's rarely frivolous things but it's often things I don't actually *need* or that I don't truly love/that don't truly increase my quality of life.

[@mirikirimimi135]

Ohhhh 2 videos in 1 week!?? Omg! Thanks so much! 🙏🤩🤩🤩😍

[@AtoZenLife]

I wanted to get it out there before February started…you joining in? 🤗

[@candy2325]

I recently went from pen and paper and moved to digital budgeting and bought paycheck trackers, debt snowball tracker and expenses tracker from Etsy and it’s made budgeting more fun and visually pleasing to look at 😅 I feel more organized and it’s much faster to do my finances digitally. Also, I’m not allocating any money to my shopping category when I set aside funds for categories. I have enough clothes as it is and as much I want to upgrade some things it can definitely wait as I’m paying off my car loan and saving money.

[@teresan.3694]

Curbing impulse buying and refocusing on essentials!

[@cafowle06]

My husband and I attempted a no spend January and did really great till about 20 days in. We had a why but we didnt keep that why at the foreground when we started to waiver. We accrued way too much cc debt over Fall/Winter for various reasons... new baby, birthdays, Christmas. So our biggest why to is pay off that debt.

[@tarat26]

Yes, I lasted until the 20th as well. I had been watching something in the sale and it had run out in the sale. When I checked the store there was 1 in stock, so I added a few extra bits quickly for free delivery and snapped it up so it wouldn't go. Grrr January sales. Gonna have to try again in Feb. Good luck

[@mmulligan7360]

I want to Save for future purchases. We buy nothing on credit so must save for further big purchases. 😀

[@AtoZenLife]

Yes! We also don’t buy anything unless it’s with cash. 💰

[@JailynJames]

I think it might be impossible to do a no spend challenge on the second half of senior year for my twin girls. One of my daughters said she would wear her homecoming dress to prom too. Love that kid! My other daughter said she would "try" to keep her dress around $100. LOL Bless! In hind sight, we should have started saving money for Senior trip, homecoming and prom at the beginning of the school year.

[@fabioramirez8195]

First off_loved this video. Not only were there great tips but also writing exercises that I will be doing! I want to do a spending freeze for a week. I have been spending an insane amount of money eating out and have been for a very long time. Not only do I want to start saving more money but I want to become a more financially responsible person. Thank you for the video!

[@Amber-dw9op]

Thanks for the tips! I'm going to attempt a no-spending money tomorrow because we just moved overseas. Even though the military helped, it was still very expensive. However, I got into a habit of spending. Replacing pantry items and cleaning supplies quickly turned into purchasing unnecessary items... like my labeler. The line if "want" vs. "Need" greyed, so now I'm hoping to get back into the habit of frugality

[@NoOctopuss]

You could also do a no toiletry challenge to assist with no buy 😂 my laziness made me realize I don't need face wash or moisturizer, body wash or moisturizer, shampoo, conditioner, commercial deodorant, etc. I did start washing my hair again (but weekly instead of daily) after 15 months because hard water made it difficult to maintain, but otherwise it was awesome! I still occasionally used tinted sunscreen, mascara, lipstick or gloss, and makeup remover. I use water with a little apple cider vinegar as deodorant. Simple fragrance free bar soap for my hands. Sometimes laziness can be used advantageously. Good times! The hardest no buy for me would be no eating out. I don't need things (or I can easily wait to buy them), but I loooooove eating out.

[@daringlavan3615]

Oh my gosh I love this video and I'm not even done with it yet. Excellent presentation and easy to grasp advice!

[@user-fs2bk1ru3e]

Thank you for this video, Marissa. It is awesome 🤩 and super helpful

[@notthatjones6026]

I've been waiting for this for months, Thank you for hosting this challenge! I do a no spend at the beginning of each year, but it's fun to do it with others. My why: we only have 2k left in debt to pay off and I'm ready for it to be gone. The only thing I'm allowing $ for in the next 3 months is soil for my garden expansion. And 1 dinner out with husband (because he would feel deprived if we didn't). I am focused on healing my body at the moment, so walking & working the garden will be my areas to keep me from getting bored. As well as a sugar cleanse. Thanks again Marissa! Great luck everyone!

[@dawn.jungblut]

I’m planning a no-spend challenge year for 2024. We need to pad up our savings for retirement. 💲

[@chevelleflorida]

@dawnjungblut6075 3 months into the year. How are you doing Dawn? You.CAN.Do.This!

[@story3877]

i like how i go on a no-spend challenge right before my husband and mother's birthdays AND Christmas. I've picked a great time to try this lol!

[@poizonali]

My Why is to spend less on stuff I don‘t really need and be more intentional with the things I bring into my home. In addition, I would love to be able to wait for 30 days before buying things as I have the tendency to just buy everything when hyped and then wonder where all my money has gone 🙈 Do you have any tips for saving the things on (Amazon) wishlists? Do you delete the items if you don’t see a value in them anymore? I realized today that I keep hoarding on my wishlists and have issues deleting the items because I have taken the time to research them, so they just stay on the list forever (or until the shop doesn‘t offer them anymore).

[@kathleensmith8336]

Suggestion: Create two lists - one for definite items that you know you want. Title the other one, "Research" or "Maybes" or something like that?

[@oliviaacosta6239]

Im challenging myself since shopping is an addiction for me. I have the funds and I save plenty but I just wish to buy unnecessary stuff to fill a huge hole in my life. I’ve know I can do it if I put my mind up to it.

[@Yo19724]

Same with me🙋

[@erinlovescoffee]

We’re trying to save up on having a second baby 😁

[@milda0820]

Tagging along for a company...😄 but realy to get back into saving mode after all spending we did last year. 💖

[@Thiggy-tk5vg]

My reason for being interested in doing the challenge is saving money to buy inventory for my plant store. I just turned 20 and just opened up and plant and flowers shop and I need to be conscious with every penny I spend and I would like to build up my saving for cushion in case something goes wrong in my business.

[@AtoZenLife]

Cheering 📣 you on 🌸 🌱!

[@paigecavanaugh8017]

Trying to be more mindful of what we spend our money on, how much we're spending and to also help bulk up our savings!!

[@LoveMusic-pd5iz]

I'm on another of many no spends. I pay my rent & utilities, purchase necessaries like T.P., vitamins, soap (don't use body wash). Of course, food is necessary and I have minimized this as much as possible. I'm car free and the bus is inexpensive. I have only a few medical co-pays for specialists I must see periodically (this year that's primarily cataract surgery and hospital ill. That's it for this year. I'm paying off my last $3000 dollars and then, after many years, I'll be debt free and able to save way more. I live on under $1500 a month and this has taken a long time. I'm sure I'm not the only elder in this situation. Don't give up! If I can do this, so can you. I think the biggest revelation was when I learned to say, "because I don't want it and "Because I don't want to". Those were big for me!

[@christinegagne4262]

I'd like to pay off my credit card. I've done a medium level no spend in January. In fact I do this every year (Jan-Apr-Oct) The rules are to only buy food from the grocery store and gas. Slipped up 3 times: a plant stand I wanted but was backorder since November, a book on weight loss to follow along with a friend, news socks. Was not going to continue in February but after listening to your video I decided I'd try ''BOSS MODE''! Still need gas to go to work but I can pick up extra shifts, sell some stuff and make due with the food I have at home. Game on!

[@AtoZenLife]

Oooh so excited to see another boss mode! 💪 Let’s do it!

[@haleydionne1995]

I am trying to pay off my debt! I love going all or nothing so I really want to try to do no spend to accelerate my goal. Thanks for all the tips!! :)

[@cheryllafleur974]

Planning a vacation in May.

[@tracyc5773]

This is a good challenge. Huge. I go shopping to find joy and get home finding I didn't need a thing. I have too many clothes. So this is a very good thing to do. Thank you

[@minstrelgirl451]

While not doing a strict no spend challenge in February (I used a restaurant gift card I got for Christmas toward a fun meal for the family!), I am definitely using this as a "pause" month, because even though I have more Christmas cash to spend on things for myself, and would like to get some supplies for an art project... I want to be sure that I am really planning something I will love for years and years, and not simply going backward when I am seeing such decluttering progress. :)

[@RedScareClair]

I'm thinking about doing my first ever no spend challenge as I've just finished the first month of my new life as a stay at home mom. We're not big spenders but going down to 1 income is a big deal. We definitely were able to relax since being consumer debt free on 2 incomes so it will be a challenge to stay off Amazon to get those 20 dollar purchases we don't actually need.

[@rachelshannonn7673]

I'm doing a no spend 2023 so I prep most of my skin care on black Friday.

[@unamary57]

I am saving for a new roof for my mortgage free little house.

[@kathryngarcia8800]

I don't have any debt at all, but I am retiring at age 67 in late March (2 months away). I am concerned, obviously, since my income will be less. I need to really pay attention to those expenditures that I don't really think about, because I will need to do more planning regarding spending money.

[@Lizzy43645]

Omg the Bundt cake pan!!!!!

[@AtoZenLife]

It’s baaaaack 😆

[@teresastorms3774]

Hi there, I just found your channel this morning. I have never tried to do a no spend challenge...but I want to pay off my debt, save money and buy my own home. I want to be able to retire AND have my own home. These may be really tough goals to accomplish, being that I'm 55 and have only been at my current job for 7 1/2 years. I will not have much built up for retirement. If things don't change I may not be able to retire at all! I'm single, so I have to rely solely on my efforts and success with these goals. I'm SO GLAD I found you! I will be binge watching your channel to soak up everything I can. 🙏

[@AtoZenLife]

Glad to have you here, Teresa, cheering you on in your money journey 👏

[@cynthiacrumlish4683]

So grateful to be able to live without a car! Never had one. Ghastly expenses involved in the car culture. This year not sending any gifts through the mail. Postage is killing!

[@shmandles]

Why? Because I need to use up what I already have. I’ve been so blessed with easy access to food, clothes and craft materials despite the *pandemic* and I need to be thankful and use them all up before purchasing more.

[@JoaoCosta-gq4un]

To reeducate myself and keep more sustainable shopping habits.

[@julissayounkin3884]

My why is my future with my boyfriend, no-spend challenge will help me save for that future. Just now starting my first budget binder and wanted to implement the no-spend challenge tracker that I learned about on a different KZbinrs page. However, that KZbinr didn't explain how to use the no-spend challenge tracker. After watching your video iv learned that I need to color it green/red. Since your video was only 10 minutes, i watched the entire thing to catch any other tips and tricks. THANK YOU SO MUCH!

[@samtyers8236]

My dog has been put on lifetime meds, and they aren't cheap, so my income needs to stretch a lot further from now on

[@letsgrosh]

Next month is October, so, before November hits us with Thanksgiving/Black Friday and December hits us with Christmas, we want to make sure we are at a healthy place financially. We will also be trying for our second child starting in January! This next month will be a sort of test-run to see if we can successfully save the amount of money that we will most likely be spending after we add that second kiddo! (i.e. daycare, extra food, diapers, etc.) I am confident we can do it, and it will hopefully increase the excitement we feel toward welcoming a new family member by the end of next year (Lord willing!). Thank you for this challenge & walking us through it!

[@Oliveoilgirl]

I always do a weekly financial detox by not going out nor shopping online! I try to finish all the food i have before going to buy more , when i buy something to wear I choose a good brand not the cheapest to avoid buying more

[@mrsayres11]

I was doing so good, 7 days straight and avoided some temptations but then a gf was selling a vintage game I remember playing as a kid and I wanted to buy it and share it with my family 💗 But I also liked that I was helping out her vintage/antique business she runs 💗 so I got it and now I'm back on track to no spending. We're doing a no spend challenge to save for our trip to Disneyland, it'll be our kids first time there 💗

[@mrsayres11]

First thing this morning I posted some items for sale to compensate for that spending!

[@SamSung-jv3jm]

I have an eat out addiction during lunch at work. Its $14 for a drink and a meal now adays!! So yesterday I decided to challenge myself to a Gatorade only day. I slipped up at the end by buying a soda but I survived. Im doing the same thing today. I think this is going to be a new normal for me. If I can save $10 out of $14 every day then its a success.

[@ericamciver6948]

My why is when I moved from the West Coast to the Midwest. Living on the West Coast wrecked my finances. I have had to redo my budget almost weekly to figure things out and pay off debt. Honestly it is a huge struggle.

[@saraareed5477]

Curious. Could you explain more? Weekly refiguring? I'm currently living on the west coast, but will be moving once my teens graduate high school. It's getting ridiculous where we're at. I'm a little worried to move because of the unknowns.

[@susanjaneleitner7670]

The fun of a challenge in an area that I believe I have under control. It is a personal test! It’s always a good idea to really see how you are doing. Enjoyed your video! ❤️

[@Lauren-ny1bx]

I want to start a no spend challenge as recently i have been doing a lot of online shopping in my free time

[@leoni2568]

Thank you for your motivation, I’m saving for a carport to be built.