I love making the challenge into a game. I track my hours that I volunteer and that I spend at senior center to keep busy. Meeting people instead of spending money.
I had to make a no spend life style when I retired..first I am getting much less money from my pension, second I used to get paid every 2 weeks now I get paid once a month..so I have to make ends meet from month to month..so far it's been working out well .I've been retired for 3 yrs..believe me if I can function on a no spend life style so can others..I wish everyone embarking on this type of life style I wish you well!!!
Hey folks! I mentioned once that you are "like the aunt and uncle I never had," but today I would like to add more. As sort of a "holiday gift" I'm going around to some people and letting them know something they probably don't. Your content is geared toward frugality but is also helping myself and a bunch of my other LGBT+ friends that were rejected by our families. We spent our time being ridiculed rather than being allowed to learn how to live. Thank you for being here to help us fill in the gaps. The quality of my life, and those of several of my friends, has improved greatly. You touch more lives than you think you do
Matthew 11 28 Come unto me, all ye that labour and are heavy laden, and I will give you rest. 29 Take my yoke upon you, and learn of me; for I am meek and lowly in heart: and ye shall find rest unto your souls. 30 For my yoke is easy, and my burden is light. ✝️
I love the idea of getting creative with DIY! we are currently doing a low spend/no spend and needed a second cat bed so our furry friend had a warm place to be both inside and outside. Instead of buying one on Amazon, I put an old blanket into a basket that we received as part of a Christmas present. Less than an hour later, the cat was snuggly warm and purring in her new bed. She likes it better than her “proper” cat bed from the store!
I’m shifting my mindset to the joy of refining my life, enjoying what I have, uncluttering my physical space, and almost completely being debt free which feels like a huge weight is lifted off my shoulders. Being debt free means less fear, as I can certainly scratch up enough income to cover basic expenses and utilities. And while I still have a high paying job, squirrel away each month one month’s worth of expenses to carry me forward for retirement and to help others and be generous. After all, nothing belongs to us, God allows all His bounty to flow through us. We should do everything for the glory of God. 1 Cor 10:31
I'm so thankful for your commitment to these videos. I try to catch every one of them as they offer encouraging words to stay the course. Sometimes I fail due to a month lacking discipline, but I pick myself back up and get back on the horse. The thing I'm most proud of in the past year is that I now work with a retired friend who lives on $1320 disability check and together we found a budget that works for her. Watching her find her power is a true joy. She fails sometimes too, but she gets right back up and starts again. I always say, each of us needs mentors and we need to be a mentor to others. Thank you for being an excellent mentor to me. I've incorporated many little budgeting tips and tricks into my daily routine - Thank you!
I save $5 in an envelope for each no -spend day. This past year I had 231 no-spends for a total of $1155 to divide in my binders for my two grandsons. Aiming for even more no-spend days during this year.
I have a no-spend plan for January as well as a pantry clean out (use what I have before buying more groceries). My goal is to get my car loan paid off early. Looking forward to making it more fun.
I’m doing a no spend challenge even with pantry…. I do one about every 3 months on a fixed income.. unless necessary I’m not spending a dime..I need to get $500 in my emergency fund and that would get my $1000.. I did a food inventory today and I’m going to create meals based on what I have…,my goal is 30 dinner meals somehow..
@@rochellethundercloud346trust me I have enough one of my local stores had baby back ribs @ .89 cents a pound I bought 2 whole slabs today.. that’s at least 8-10 meals alone somebody marked that wrong I believe I grabbed fastshocked ne so I took a photo of it
Yes! Just started food pantry last week for first time!! What an amazing experience!! Super nice, non judgemental volunteers. @@rochellethundercloud346
I am finishing up my no spend year. Once I got over the shock of not buying everything I want, it became quite freeing to not spend just because I could. I will be doing another no spend this year, with a few tweaks. 4:32
Wow! A whole year? I'm just getting started here and I did have a couple of months where I cut back enough to where we could pay off a $3,000 loan that we got in addition to our mortgage because we had to fix the driveway unexpectedly😅 That was really nice but I learned a lot about my experience with feeling deprivation and frustration. Hard discipline can only take you so far. Have to be kind to yourself. Having good food to eat and nice things to drink are important. I got a Yeti insulated cup for My birthday in November. Really adds up not going by the tea house but instead using my collection of tea to make my own delicious drink when I go to pick up grocery orders in town which is like 35 minutes away. I've also been packing snacks such as homemade granola and Greek yogurt. This time around I'm eating out once a month. I'm choosing wisely with local and even family run businesses.
My dad is a parts salesman and he made a point to me that people make emotional decisions. And the funny thing is my husband is an architect programmer and he mentioned the same thing to me the other day. Now hear you guys are saying it. 😅 It's true. It really is true. People make emotional decisions a lot of the time and I would say that's the majority of people. But there is a margin of people that don't.
I did a low/no spend challenge Jan-Nov two years ago. Put a chunk of money towards my debt. Whenever I thought I "needed" something (non-food), I'd put it in my cart. I didn't purchase anything. When I looked at my cart 10 months later, I really only needed 2 or 3 things. I deleted the other 20 or 30 items.
I'm combining your no spend challenge with another channel's rotating and using my pantry food only. I just made spaghetti from my last 3 jars of homemade sauce that I made in 2022. I now can start using sauce made this last summer. I know I probably have jars of odds and ends that may be older but still good (good seals). As I check for them, I will not only use up that stock but have more clean jars to refill and restock. Much of my food is newer, so I can find recipes to use the older jars with possibly some rice or pasta, of which I have PLENTY! I won't waste food and can check on canning dates at the same time. I started about a week ago. Great way to combine to tasks at once. 😊
One year I needed to use my older home canned food, I put a yarn tie around the neck, that way I knew which jars to use up, then I knew the others were newer 😉 If I still canned a lot I’d probably color code by year, but we don’t can much now. I’m more organized now though and find color codes are an easy organizing for me.
@@tinabennett8524 I like that idea with the colored yarn. I have food stashed in all sorts of places as I tried new recipes and added jars of older recipes. I remember canning 6 or 8 jars of one or two recipes my first year. Now I count cases of items!
I’m planning on a no spend challenge for the first quarter of 2024. I’m saving to replace my old asphalt drive with concrete, and it is not cheap!! And as someone on a fixed income, I’m going to save the cost of living raise I will be receiving. Hopefully this will help reach my goal quicker.
Hope! Excellent observations on "emotional trigger spending." I think many people would like to hear you incorporate more of this issue in your talks about frugality. Blessings to you and Larry.
I'm going to take stock of items and shop to fill in; otherwise necessity of milk, bread, salad items, hopefully. I will include my monthly menu in thhe planning.
Oh thank you! I love a goal that has a plan associated with purpose and planning! This will work! I'd like to share my 'eating'out': diet sodas from the fast food lane and Reeses peanut butter cups added to my grocery shop, neither needed, both trigger driven. Thanks for reminding me that these two choices I'm making are actually holes in my budget that add up to significant amounts over time. My son moved back home in December. He needs a great example of a defined purpose driven Mom (as do my 3 daughters who already lived with me). This will really force me to 'adult' as the new adult kids say. I've already changed the habit of full sugar soda to diet, and stopped bingeing on chips, etc when tired at night. I lost 60 pounds and am a normal weight now. I created a budget and my adult kids who can pay (not the oldest with RA) are paying a share of the bills and saving the rest. I love seeing my adult kids do crafts like knitting or crocheting, making art, reading, going for walks, game nights, watching a weekly install of a favorite series together.❤ You guys are so inspiring! This is a complete overhaul from something that is usually seen as a hardship to a mental shift that effects you positively long-term. One more thing: transparency. While i am paying the bills, i will post them on the frig next to the menu. I have kids with sensory issues and three with food allergies, so meal planning is always a stumbling block. I'm going completely vegan with my food prep, so if they want pizza, they will have to order it!
Thank you for a great "no spend challenge" video. Thinking what we want to do, and prioritizing what we want to save for or pay off, will help so much! And...you are so right about the triggers!
There's a video they recently did called the margin. People sometimes need help to think out of the side of the box. There may be ways to help lower your bills and side hustles that you might be able to make a little cash. Their video is really good. You should go check it out.
I had to work 3 jobs for a few years to get ahead. One full time and two part time to provide for my family. God bless you I know it’s so hard but eventually you get ahead.
@mimi I remember those days. It was so scary. Cut expenses/bills. The easiest cuts are groceries making soups and stews, breakfast for dinner, baked potato night. Oatmeal for breakfast etc.. cutting electric use and heating. Less trips in car maybe carpool. There are many ways. Take on some small extra jobs to add to the budget.
2024 will be my 4th year no buy challenge and I feel it is just a way of life for me now. I am pretty sure I will meet my big target savings goal this year if I stick to the plan and alter my budget a bit. I love the challenge and have my budget and goals in place. I have thought up some strategies and have already set some of those up. I am excited and motivated. Wishing everyone well on their financial journey into the new year.
As a senior mint mobile gives the first 3 months free $116. Fir the first 6 months for 2 lines then 15 per line each month. Switching from T-Mobile now thanks for the advice. You guys are awesome.
Watching this coming out of a no spend January. I wasn't 100% successful, but I am really pleased with my efforts to stop that impulse spending. My purchases were perfume - possibly not a need, but my teenage daughter and I share one fragrance and it completely ram out. I tried to hold out into Feb but she wasn't into that! I did shop around and found it half price, so wasn't terrible. The other purchase was seed potatoes, garlic and onion sets, I missed out on the varieties I wanted to try last year so wasn't going to miss it this year! Total spend about £30 so not terrible, I'm letting myself off! 😂 I've just now decided I'm going to attempt to do no spend in each of the months with 31 days for the rest of this year. Just need a solid goal or two to go with that ambition!
I have decided to NOT spend via online purchases. I need to get some debt paid off and this has to get done!! Yep no spend for things I don't need or have the money for. I am 64 and for the 1st time in my life have two jobs!! I never in my life thought I would be in this boat. It will be fixed in 2024
Along with my absolute no spend week between Christmas and New Year's (not even groceries or gas!), I decided to return 4 items I had bought and never even opened on Black Friday. I decided I don't need those items as much as I'd like the cash!
I have some questions about this... I think the economy calls for the community to support some of the smaller businesses or else you will find they can't survive and more people will lose their jobs and because that will lead to less competition prices will keep going up , inflation will rise not fall we will have less buying power and that could affect the value of our money, so what do we do? This is really important to service oriented states like FL
First day of my first ever no spend/low spend "game." Yes, I am making it as fun as I can. I heard a friend last night mention to our group she had an abundance of greens she would share if anyone needed some. This morning, I texted her to inquire if she was still willing to part with some of her surplus. She was, and I soon became the recipient of some hearty, leafy collard greens - 3 large bunches. Thankful!
I have been given a number of gift cards to restaurants, plus I have purchased gift cards over the past holidays during their promotional events. I received for the most part 25% off on the gift cards that I purchased. However, we just don't seem to go out to eat a lot, and in the past some of these restaurants have gone out of business. So one of my challenges is to actually go to a restaurant once a month and use these gift cards . That may sound great to some people, but it's just not our Norm to go out to a restaurant. Plus in addition to this my husband and I have decided to challenge ourselves to eat down the food in our freezer. As my son would say we have enough food to feed an army
I think you'd agree that it's important to be mindful and intentional with your finances across the entire year. I like the idea of having short term goals that you can track...
I’m gearing up for a low-spend/no-spend January by getting my pantry and freezers organized and put into a list and stocking up on a few things that I know I will need for January. The low-spend comes into play with things like birthdays or other gifts that I know I need. Hitting up the clearance aisles before the New Year to take advantage of all the sales out there.
This is my 4th month of no spend challenge. I failed the first 2 months. Last month was successful. Only spent 10 days last month. Goal for this month is only spending 9 days.
Love the video. I had gone back to mindless driving places on errands...I 'll be careful during a "no spend " January to plan my trips...might even go with Nationwide or Allstate "insurance by the mile"
Hope I would love to hear how you did through out the year with your reduced food budget. Did you clean out your freezers? What did you decide to do in 2024 just curious. Thank you for what you do for all of us. Happy New Year to you and Larry
I've been doing "little spends" since watching your channel . Doing first "no spend " this year . Reflecting on the past 6 months I'm def making progress compared to a year ago so pleased with that . Biggest downfall is still buying lunch out / at work , so will be working on that . Thanks for making it fun ! :)
This is our first year trying a no spend January. Looking forward to some relief after the holidays. Recruited a couple of my kids to join me. It will be interesting to see how we do! Thanks for making it seems doable!
I watched this twice as it was worth it. I am preparing to have my roof and plumbing done in 2024. Both big projects. I will save again and continue paying off my mortgage after that. I hope and pray I can get back on track before the year is up. Hope you have a Happy New Year 🎊
Yes, looking forward to a no spend January. My husband is going to help me because I just give him the money and I have to ask him for what I need so my reasoning has to be good.
I have been waiting a couple of years for a new internet provider to come into my area. I have just changed and dropped cable TV. This will mean a savings of $183.00 a month. My goal is to use a Roku and stream TV. I hope to discipline myself and not be tempted to pay for added streaming. You have taught me other money saving tips. Thank you for your advice. Happy New Year!
Well…. My 1st day of January 2024….my self designated “no spend month”….just went up in flames…lol….as my water heater busted throwing water all under my house😮 So off to Lowe’s at 6 am in the morning and break into my emergency house savings account 💁♀️ for a new water heater. Thank goodness for budgeting and planning that I have a healthy emergency fund to fully cover this unwelcome 🙄event. I hope everyone else’s no spend day was less eventful.
Oh no! I'm so sorry. That's a horrible feeling! Our water heater did that, but the amount of water was pretty minimal. We caught the leak right away. But, it's such a DRAG that it happened on the first day of the year. I'm glad you found a store open to get a new one. Onward and upward. It's bound to get better.
@@UndertheMedian Thank you. That’s awesome you caught yours fast. The saving grace of this I suppose… is my son & could install it ourselves….with a lot of willpower, work,and mud…lol. Saving the labor cost on a holiday is a silver lining.
Happy newyear from the Netherlands! I had no spend challenge for the last three months to get my alcohol markers which I like to have. But instead off buying the big set off 320 en bought now the set off 104. Win - win I think! Thanks for the video's. By the way, this must be an American thing, but I never go out to a restaurant.
I am a long time viewer. I just wanted Hope to know that your hair looks very nice lately. My husband and I do a no spend challenge, but we call it spending freeze.
I love making the challenge into a game. I track my hours that I volunteer and that I spend at senior center to keep busy. Meeting people instead of spending money.
It's a frugal haircut!
I had to make a no spend life style when I retired..first I am getting much less money from my pension, second I used to get paid every 2 weeks now I get paid once a month..so I have to make ends meet from month to month..so far it's been working out well .I've been retired for 3 yrs..believe me if I can function on a no spend life style so can others..I wish everyone embarking on this type of life style I wish you well!!!
No spend challenge...great insight...diffentiate between wants and needs
Hey folks! I mentioned once that you are "like the aunt and uncle I never had," but today I would like to add more.
As sort of a "holiday gift" I'm going around to some people and letting them know something they probably don't.
Your content is geared toward frugality but is also helping myself and a bunch of my other LGBT+ friends that were rejected by our families. We spent our time being ridiculed rather than being allowed to learn how to live. Thank you for being here to help us fill in the gaps. The quality of my life, and those of several of my friends, has improved greatly.
You touch more lives than you think you do
You will never be rejected by God your heavenly father❤️
Matthew 11
28 Come unto me, all ye that labour and are heavy laden, and I will give you rest.
29 Take my yoke upon you, and learn of me; for I am meek and lowly in heart: and ye shall find rest unto your souls.
30 For my yoke is easy, and my burden is light.
✝️
Community is so important!
I'm so glad that you have found a safe space here! Much love to you ❤️
@@princessbabibear4794❤
I did a no spend challenge in November to finish paying off My student loans. Now I'm debt-free!
That's awesome!🎉
Congrats 🎉
I love the idea of getting creative with DIY! we are currently doing a low spend/no spend and needed a second cat bed so our furry friend had a warm place to be both inside and outside. Instead of buying one on Amazon, I put an old blanket into a basket that we received as part of a Christmas present. Less than an hour later, the cat was snuggly warm and purring in her new bed. She likes it better than her “proper” cat bed from the store!
I’m shifting my mindset to the joy of refining my life, enjoying what I have, uncluttering my physical space, and almost completely being debt free which feels like a huge weight is lifted off my shoulders. Being debt free means less fear, as I can certainly scratch up enough income to cover basic expenses and utilities. And while I still have a high paying job, squirrel away each month one month’s worth of expenses to carry me forward for retirement and to help others and be generous. After all, nothing belongs to us, God allows all His bounty to flow through us. We should do everything for the glory of God. 1 Cor 10:31
I'm so thankful for your commitment to these videos. I try to catch every one of them as they offer encouraging words to stay the course. Sometimes I fail due to a month lacking discipline, but I pick myself back up and get back on the horse. The thing I'm most proud of in the past year is that I now work with a retired friend who lives on $1320 disability check and together we found a budget that works for her. Watching her find her power is a true joy. She fails sometimes too, but she gets right back up and starts again. I always say, each of us needs mentors and we need to be a mentor to others. Thank you for being an excellent mentor to me. I've incorporated many little budgeting tips and tricks into my daily routine - Thank you!
So true!! We are here to help each other. Many times those we help bring us great insite and inspiration. And most certainly God’s love ❤️
Shannon, well done.
Perfect!
I did my first no spend challenge last January and was able to pay off some credit cards. Excited for this time around to see what I can get done!
Yes. I did, too. I love the challenge.
Beautiful 🎉
I save $5 in an envelope for each no -spend day. This past year I had 231 no-spends for a total of $1155 to divide in my binders for my two grandsons. Aiming for even more no-spend days during this year.
I have a no-spend plan for January as well as a pantry clean out (use what I have before buying more groceries). My goal is to get my car loan paid off early. Looking forward to making it more fun.
I’m doing a no spend challenge even with pantry…. I do one about every 3 months on a fixed income.. unless necessary I’m not spending a dime..I need to get $500 in my emergency fund and that would get my $1000.. I did a food inventory today and I’m going to create meals based on what I have…,my goal is 30 dinner meals somehow..
If needed,use food pantries.this is exactly why they exist
@@rochellethundercloud346trust me I have enough one of my local stores had baby back ribs @ .89 cents a pound I bought 2 whole slabs today.. that’s at least 8-10 meals alone somebody marked that wrong I believe I grabbed fastshocked ne so I took a photo of it
Yes! Just started food pantry last week for first time!! What an amazing experience!! Super nice, non judgemental volunteers. @@rochellethundercloud346
There are websites where you plug in what you have and it will tell you meal ideas.
When the going gets tough, the tough go shopping. Yep, it's emotional. A walk is much better, lol.
I am finishing up my no spend year. Once I got over the shock of not buying everything I want, it became quite freeing to not spend just because I could. I will be doing another no spend this year, with a few tweaks. 4:32
Wow! A whole year? I'm just getting started here and I did have a couple of months where I cut back enough to where we could pay off a $3,000 loan that we got in addition to our mortgage because we had to fix the driveway unexpectedly😅
That was really nice but I learned a lot about my experience with feeling deprivation and frustration.
Hard discipline can only take you so far.
Have to be kind to yourself.
Having good food to eat and nice things to drink are important.
I got a Yeti insulated cup for My birthday in November.
Really adds up not going by the tea house but instead using my collection of tea to make my own delicious drink when I go to pick up grocery orders in town which is like 35 minutes away. I've also been packing snacks such as homemade granola and Greek yogurt.
This time around I'm eating out once a month. I'm choosing wisely with local and even family run businesses.
Congratulations on paying off that $3,000 debt.
My dad is a parts salesman and he made a point to me that people make emotional decisions. And the funny thing is my husband is an architect programmer and he mentioned the same thing to me the other day.
Now hear you guys are saying it. 😅 It's true. It really is true. People make emotional decisions a lot of the time and I would say that's the majority of people. But there is a margin of people that don't.
My Dad and my grandparents told me the same thing when I was growing up
Thank for these advices. I am a single mum with a good salary trying to aim to buy me and my boy a house. We are sving up for it the next year
You are beautyfull!
I did a low/no spend challenge Jan-Nov two years ago. Put a chunk of money towards my debt. Whenever I thought I "needed" something (non-food), I'd put it in my cart. I didn't purchase anything. When I looked at my cart 10 months later, I really only needed 2 or 3 things. I deleted the other 20 or 30 items.
January-March each year I stop buying from Amazon or any online retailer
Yes-it will be my first No Spend Challenge! Looking forward to it and hopefully my husband will join in!
A no spend will show you all the unnecessary spending you do.
It will force you to use up everything that you have.
Reassess what you buy,and why.
I'm combining your no spend challenge with another channel's rotating and using my pantry food only. I just made spaghetti from my last 3 jars of homemade sauce that I made in 2022. I now can start using sauce made this last summer. I know I probably have jars of odds and ends that may be older but still good (good seals). As I check for them, I will not only use up that stock but have more clean jars to refill and restock. Much of my food is newer, so I can find recipes to use the older jars with possibly some rice or pasta, of which I have PLENTY! I won't waste food and can check on canning dates at the same time. I started about a week ago. Great way to combine to tasks at once. 😊
One year I needed to use my older home canned food, I put a yarn tie around the neck, that way I knew which jars to use up, then I knew the others were newer 😉 If I still canned a lot I’d probably color code by year, but we don’t can much now. I’m more organized now though and find color codes are an easy organizing for me.
@@tinabennett8524 I like that idea with the colored yarn. I have food stashed in all sorts of places as I tried new recipes and added jars of older recipes. I remember canning 6 or 8 jars of one or two recipes my first year. Now I count cases of items!
Yes. There is wants and needs.The goal is a healthy emergency fund.Also bought a Oupes Mega Three.
I’m planning on a no spend challenge for the first quarter of 2024. I’m saving to replace my old asphalt drive with concrete, and it is not cheap!!
And as someone on a fixed income, I’m going to save the cost of living raise I will be receiving. Hopefully this will help reach my goal quicker.
I gamify my whole budget and spending. It’s relieves stress and makes if fun.
Yes. U need motivation....and,a small reward throughout to have something to look forward to
Hope! Excellent observations on "emotional trigger spending." I think many people would like to hear you incorporate more of this issue in your talks about frugality. Blessings to you and Larry.
Hope, your hair looks so wavy, pretty and healthy! Larry, nice haircut! Happy New Year!
I used UA-cam today to fix my kitchen faucet until maintenance comes back from Christmas break
I'm going to take stock of items and shop to fill in; otherwise necessity of milk, bread, salad items, hopefully.
I will include my monthly menu in thhe planning.
I saw the penny challenge on Facebook today. I didn't believe you could find over 600 dollars. Well I'm gonna try this starting January 1st.
I agree that we spend alot of money for emotional reasons.
Totally. I used to spend way more when I had less, in order to fill up a void. Now I'm a lot more careful..... and happier too.
Trying my first one this year!
Not try it - do it. You can make it.
Oh thank you! I love a goal that has a plan associated with purpose and planning! This will work!
I'd like to share my 'eating'out': diet sodas from the fast food lane and Reeses peanut butter cups added to my grocery shop, neither needed, both trigger driven. Thanks for reminding me that these two choices I'm making are actually holes in my budget that add up to significant amounts over time.
My son moved back home in December. He needs a great example of a defined purpose driven Mom (as do my 3 daughters who already lived with me). This will really force me to 'adult' as the new adult kids say.
I've already changed the habit of full sugar soda to diet, and stopped bingeing on chips, etc when tired at night. I lost 60 pounds and am a normal weight now.
I created a budget and my adult kids who can pay (not the oldest with RA) are paying a share of the bills and saving the rest.
I love seeing my adult kids do crafts like knitting or crocheting, making art, reading, going for walks, game nights, watching a weekly install of a favorite series together.❤
You guys are so inspiring! This is a complete overhaul from something that is usually seen as a hardship to a mental shift that effects you positively long-term.
One more thing: transparency. While i am paying the bills, i will post them on the frig next to the menu. I have kids with sensory issues and three with food allergies, so meal planning is always a stumbling block. I'm going completely vegan with my food prep, so if they want pizza, they will have to order it!
I'm going to try the no spend challenge.
Thank you for a great "no spend challenge" video. Thinking what we want to do, and prioritizing what we want to save for or pay off, will help so much! And...you are so right about the triggers!
What do you when 100 percent of your income goes to bills ? When there is never any extra cash, every month is a no spend month
There's a video they recently did called the margin. People sometimes need help to think out of the side of the box. There may be ways to help lower your bills and side hustles that you might be able to make a little cash. Their video is really good. You should go check it out.
make a budget. Fixed bills go on the list. then how are you spending everything. Transport, groceries food and eating out. build your margin.
I had to work 3 jobs for a few years to get ahead. One full time and two part time to provide for my family. God bless you I know it’s so hard but eventually you get ahead.
@mimi I remember those days. It was so scary. Cut expenses/bills. The easiest cuts are groceries making soups and stews, breakfast for dinner, baked potato night. Oatmeal for breakfast etc.. cutting electric use and heating. Less trips in car maybe carpool. There are many ways. Take on some small extra jobs to add to the budget.
@@vixxcottage excellent tips ❤
Hi,all.happy new year.
Nice haircut,larry
Hair cut looks great Larry . especially the beard ,here where I live some men look like they have wild animals living in their beards😂
I always like a good challenge. Im competitive so I could make it into a game. Good ideas about a no spend challenge.😮
2024 will be my 4th year no buy challenge and I feel it is just a way of life for me now. I am pretty sure I will meet my big target savings goal this year if I stick to the plan and alter my budget a bit. I love the challenge and have my budget and goals in place. I have thought up some strategies and have already set some of those up. I am excited and motivated. Wishing everyone well on their financial journey into the new year.
Absolutely emotional spending happens! And then returns happens!
Hubby is a salesman. His company says people spend for two things: solutions to problems and happy feelings.
As a senior mint mobile gives the first 3 months free $116.
Fir the first 6 months for 2 lines then 15 per line each month. Switching from T-Mobile now thanks for the advice. You guys are awesome.
The money I spent when I lost my mother last year was incredible I kept buying cloths and food for comfort
You mean Clothes
Thank you for another excellent video. Hope that’s a lovely colour sweater! You are both looking healthy, happy greetings from Central Alberta Canada.
Yes that's me, first time doing a no spend month!
Watching this coming out of a no spend January. I wasn't 100% successful, but I am really pleased with my efforts to stop that impulse spending.
My purchases were perfume - possibly not a need, but my teenage daughter and I share one fragrance and it completely ram out. I tried to hold out into Feb but she wasn't into that! I did shop around and found it half price, so wasn't terrible.
The other purchase was seed potatoes, garlic and onion sets, I missed out on the varieties I wanted to try last year so wasn't going to miss it this year!
Total spend about £30 so not terrible, I'm letting myself off! 😂
I've just now decided I'm going to attempt to do no spend in each of the months with 31 days for the rest of this year.
Just need a solid goal or two to go with that ambition!
I have decided to NOT spend via online purchases. I need to get some debt paid off and this has to get done!! Yep no spend for things I don't need or have the money for. I am 64 and for the 1st time in my life have two jobs!! I never in my life thought I would be in this boat. It will be fixed in 2024
Along with my absolute no spend week between Christmas and New Year's (not even groceries or gas!), I decided to return 4 items I had bought and never even opened on Black Friday. I decided I don't need those items as much as I'd like the cash!
Yes that's me. Setting goals and making it fun. Thanks guys!
Life always happens no matter what we wish to achieve whether its weight loss, spending less or whatever. JUST DO IT.
I have some questions about this... I think the economy calls for the community to support some of the smaller businesses or else you will find they can't survive and more people will lose their jobs and because that will lead to less competition prices will keep going up , inflation will rise not fall we will have less buying power and that could affect the value of our money, so what do we do? This is really important to service oriented states like FL
First day of my first ever no spend/low spend "game." Yes, I am making it as fun as I can. I heard a friend last night mention to our group she had an abundance of greens she would share if anyone needed some. This morning, I texted her to inquire if she was still willing to part with some of her surplus. She was, and I soon became the recipient of some hearty, leafy collard greens - 3 large bunches. Thankful!
Love your Videos and this is my first No Spend Challenge🙏❤
I have been given a number of gift cards to restaurants, plus I have purchased gift cards over the past holidays during their promotional events. I received for the most part 25% off on the gift cards that I purchased. However, we just don't seem to go out to eat a lot, and in the past some of these restaurants have gone out of business. So one of my challenges is to actually go to a restaurant once a month and use these gift cards . That may sound great to some people, but it's just not our Norm to go out to a restaurant. Plus in addition to this my husband and I have decided to challenge ourselves to eat down the food in our freezer. As my son would say we have enough food to feed an army
I think you'd agree that it's important to be mindful and intentional with your finances across the entire year. I like the idea of having short term goals that you can track...
let's give it a go.
Yes, gamifying really does make a difference!:)
I am going to make 2024 no-spend/low-spend. My freezer is going to be emptied. It is going to be fun.
That's me! Never did this. Thank you for introducing this to me! 🤗
This will be my 3rd year of no and low spend love them
I’m gearing up for a low-spend/no-spend January by getting my pantry and freezers organized and put into a list and stocking up on a few things that I know I will need for January. The low-spend comes into play with things like birthdays or other gifts that I know I need. Hitting up the clearance aisles before the New Year to take advantage of all the sales out there.
You inspired me on Google "2 ingredients recipes ". I may have all I need in my pantry..substituting applesauce for eggs often.
Hello from North Carolina!
This is my 4th month of no spend challenge. I failed the first 2 months. Last month was successful. Only spent 10 days last month. Goal for this month is only spending 9 days.
Love the video. I had gone back to mindless driving places on errands...I 'll be careful during a "no spend " January to plan my trips...might even go with Nationwide or Allstate "insurance by the mile"
Yes, this is my first time to do a low spend January! Your info looks amazingly helpful.
Hope I would love to hear how you did through out the year with your reduced food budget. Did you clean out your freezers? What did you decide to do in 2024 just curious. Thank you for what you do for all of us. Happy New Year to you and Larry
❤ YES THIS IS ME ! THANK YOU SO MUCH I APPRECIATE ALL THE HELP I CAN GET TO SAVING MONEY FOR MY EMERGENCY FUNDS
my first no spend challenge.
yes thats me
thank *U* both n god bless
No spend Challenge for me in January!
As A senior i look for seniors
Discounts medicare is going to pay for my cataract surgery
Yes, I need to know about this!!! ❤
Thank you both! I’m going to try my first in Jan. Your tips are so helpful. Happy New Years!
Yes am going to do ns challenge for January
I've been doing "little spends" since watching your channel . Doing first "no spend " this year . Reflecting on the past 6 months I'm def making progress compared to a year ago so pleased with that . Biggest downfall is still buying lunch out / at work , so will be working on that . Thanks for making it fun ! :)
Going to do my first no spend january
I'm ready to do this!
This is our first year trying a no spend January. Looking forward to some relief after the holidays. Recruited a couple of my kids to join me. It will be interesting to see how we do! Thanks for making it seems doable!
I watched this twice as it was worth it. I am preparing to have my roof and plumbing done in 2024. Both big projects. I will save again and continue paying off my mortgage after that. I hope and pray I can get back on track before the year is up.
Hope you have a Happy New Year 🎊
Tonya, you have some terrific goals! We love how you've thought through them. You're all set and ready to go on January 1st.
My husband and I are trying a new spend challenge in January. We've never done that before so it should be interesting to see how we do by the 31st.
Yes, looking forward to a no spend January. My husband is going to help me because I just give him the money and I have to ask him for what I need so my reasoning has to be good.
I spend my gift cards in January,
Great idea especially if u are using them for groceries & saving more money!
Last night we played a game that I knew you'd like. It's called Priorities.
I have been waiting a couple of years for a new internet provider to come into my area. I have just changed and dropped cable TV. This will mean a savings of $183.00 a month. My goal is to use a Roku and stream TV. I hope to discipline myself and not be tempted to pay for added streaming. You have taught me other money saving tips. Thank you for your advice. Happy New Year!
Agree with hope
Upset or habit
Yes that’s me!!!
I agree with you. I definitely spend money because of emotion and desire. Thank you for this!
I have done this, but not often enough. I will be doing this more in the future.
Hope, your rhyming pronounciation of figure your triggers is perfect British English!
LOL! Oh that makes my day!
My trigger for spending is feeling the need to stock my pantry. But doing a pantry challenge this month as well as a no spend challenge.
Going to try a.no spend January. Been trying to put back each month. Love you videos and like Larry's new hair cut.
Yes
Won’t be having a no spend Jan bc that’s when the good sales are. I’m buying a new vacuum. So maybe a no spend February 😊
Well…. My 1st day of January 2024….my self designated “no spend month”….just went up in flames…lol….as my water heater busted throwing water all under my house😮
So off to Lowe’s at 6 am in the morning and break into my emergency house savings account 💁♀️ for a new water heater.
Thank goodness for budgeting and planning that I have a healthy emergency fund to fully cover this unwelcome 🙄event.
I hope everyone else’s no spend day was less eventful.
Oh no! I'm so sorry. That's a horrible feeling! Our water heater did that, but the amount of water was pretty minimal. We caught the leak right away. But, it's such a DRAG that it happened on the first day of the year. I'm glad you found a store open to get a new one. Onward and upward. It's bound to get better.
@@UndertheMedian Thank you. That’s awesome you caught yours fast.
The saving grace of this I suppose… is my son & could install it ourselves….with a lot of willpower, work,and mud…lol.
Saving the labor cost on a holiday is a silver lining.
Happy newyear from the Netherlands! I had no spend challenge for the last three months to get my alcohol markers which I like to have. But instead off buying the big set off 320 en bought now the set off 104. Win - win I think! Thanks for the video's. By the way, this must be an American thing, but I never go out to a restaurant.
This is gonna be a good one
Hi everyone from Kansas.
From Australia, never been one no spend challenge
Yep that's me
I am a long time viewer. I just wanted Hope to know that your hair looks very nice lately. My husband and I do a no spend challenge, but we call it spending freeze.
This is new to me. I'm ready to try this!
Do, don't try. You can do it. 😊