Pennies Not Perfection's video: How To Set Up A No Spend Month NO SPEND JANUARY PLAN

✅ More no spend rules & tips: https://penniesnotperfection.com/no-spend-challenge-rules/ ✅ No Spend Printable: https://shop.penniesnotperfection.com/products/no-spend-month-challenge-printable-pdf 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. ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ SAVE YOUR MONEY 💵 SoFI (Get $25 bonus for saving $100) ➝ https://penniesnotperfection.com/SoFi CASH BACK APPS ⭐️ Rakuten ($20-$30 bonus cash back app) ➝ https://penniesnotperfection.com/Rakuten ⭐️ Fetch Rewards (Receipt scans app, MV7RR) ➝ https://bit.ly/2G0vEtZ ⭐️ Ibotta ($10 bonus cash back groceries) ➝ https://penniesnotperfection.com/ibotta ⭐️ Upside (Cash back on gas) ➝ https://penniesnotperfection.com/upsideapp/ Code: RXZNW INVEST & EARN MONEY 💵 M1 Finance (Get a $$ bonus for investing $100) ➝ https://penniesnotperfection.com/M1Referral 💵 Roth IRA playlist ➝ https://www.youtube.com/playlist?list=PLhf4jGRzee7eo2gBLMxqAVJqlO7g5V1NS ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ CONTACT ME: 🔹 Website: http://penniesnotperfection.com 🔹 Shop: https://shop.penniesnotperfection.com/ 🔹 Instagram: https://www.instagram.com/penniesnotperfection 🔹 Amazon: https://www.amazon.com/shop/penniesnotperfection WANT TO SAY THANK YOU? 🔹 Buy Me A Coffee: https://www.buymeacoffee.com/YouTubePennies 🔹 CashApp: $marypennies SEND ME LETTERS: Mary P.O. Box 240981 Memphis, TN 38124 ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ **The information provided should not be relied upon as investment advice or recommendations, does not constitute a solicitation to buy or sell securities and should not be considered specific legal, investment or tax advice. Investing entails risk, including the possible loss of principal, and there is no assurance that the investment will provide positive performance over any period of time. I am not a professional and this channel is for entertainment purposes only. Do your own research!! *Affiliate links. I get commissions for purchases you make through links shown here. It doesn't affect your purchase in any way and the commissions help support this channel. I only recommend items I personally use and appreciate the opportunity to share.