This post contains affiliate links, I receive a small commission if you buy something but the cost is the same to you.
Is January a crazy month for you money wise? Coming off the holidays and for us, a new baby, we spent most of the month getting our footing with our new budget (hello being back to 2 in diapers). I also must admit I spent a lot of time on Etsy searching and buying planner stickers. SO many stickers. Hubs is like, girl you need to quit. So I am. In fact, we’re quitting all “fun” spending in February to see just how much we can save. Credit and debit cards are tricky because it’s like “pretend” money. I feel a real difference when I pass cash to a cashier than when I just insert my card.
Today I’m sharing how I am going to track spending and I’m sharing a printable so you can visually see each day of “no spending.” How am I tracking my budget? Well in ye olde days, I’d balance a checkbook but I don’t have one of those so I’m using a notebook. Once our paycheck hits the account, I will put on the top what our starting spending is and then I will input every thing that goes out and goes in. “Out” in red and “in” in green. The sweet color of money. 😛
As a visual on my bulletin board, I created a check off printable. Every day that I don’t spend money on unnecessary things, I get to mark off the box. I love a good mark down so I’m excited to get started on it.
So, what is a “no spend challenge” anyway? Well, I’m obviously going to have to spend some money because we need to eat. So things I am cutting out: all online shopping (except my Amazon pantry items), no eating out, and no planner stickers (sad face). Basically, I can’t go to Target and fill my cart because I like what I see. And no more Jimmy Johns for Hubs. Honestly, we eat out more than we should. Pretty much every lunch on the weekend is out and that stops now! I also decided to stop drinking so much Diet Coke so we’ll be saving money there.
Do you want to join me in this challenge? You can download the printable shown above here. It is about half the size of a regular piece of paper. I printed mine on cardstock so it’s a bit more firm. Have you ever done a no spend challenge? Have any tips for me?