Did you try the 48 hour challenge, but you don’t follow through on your goal? Did you do the challenge over a long period of time, but you don’t think you’re ready to give it up? Neither of these situations are ideal, but you’ve got to do something. The idea of the 48 hour challenge is to spend exactly 48 hours doing absolutely nothing, and then you’re supposed to think “now, that wasn’t so bad was it?” The idea is to give yourself a break from your regular life and try something new. The ultimate goal is to see if you can do it, and if you can, then you are more likely to do it again.

People who are trying to quit spending could learn a lot from the people who are all about no spend.  This challenge has been going around for years, where people try to live on $1-10 a day. You can do this by only spending what you earn, and this will save you a lot of money in the long run.  Plus, you will live better and feel better too, since you won’t be spending on overpriced items that you don’t need .

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361 Actions   This is the time of year when people set new goals, think about improving their lives, and reflect on the mistakes and victories of the past year. That said, if you are worried about your financial life, you might consider trying not to spend money. If you’re wondering how to master Don’t Spend to save a ton of money and throw your financial worries out the window, stay tuned. I have some tips and tricks to help you get the job done without waste! word-image-13807 This post may contain affiliate links. This means that I can receive a commission if you make a purchase through the relevant link (at no extra cost to you!). You can read our full statement for more information.

What is the No Spend Challenge?

A no-spend period is a predetermined period during which a person decides to spend money only on basic necessities. That means spending on groceries and bills is okay, but spending on new clothes, going to the movies, etc. is not. – No! The length of this period is entirely up to you and should be based on your personal goals. For example, you can go a week without spending or a weekend without spending….. Or maybe a month without spending is good for you. You’re not sure about this? Then try to schedule a few days a week without spending. And if you are really, really READY to fully commit and dive headlong into this life of saving money/debts/financial freedom, then you MUST try a year of no spending!

Do’s and don’ts of the No Spend Challenge

What are you allowed and not allowed to do during the Don’t Spend program? During the Don’t Spend promotion, you should spend as little as possible, right? That’s the idea. It’s good to spend on what you need to survive. These include

  • Rent/mortgage
  • credit depreciation
  • Grocery
  • Accounts
  • Gas for the vehicle / payment of tolls

That’s it. You don’t have to spend your money on anything else. Everything else is off limits. Period. The idea is to challenge you to save as much money as possible. This means you need to stop buying new clothes, shoes, office supplies, going to the hairdresser or nail salon, eating out and anything else that is unnecessary. While these are general rules for the Do Not Spend task, they are by no means set in stone and you can adapt the task to suit your needs. Personally, I’m a little hard on myself and have chosen the strict principle of not spending. Each time I take on the challenge of not spending, I make a meal plan (budgeted meals only) for the week, make a grocery list based on my meal plan, choose ONE day to do my grocery shopping and stick to it strictly. What can I say… I am seriously looking for a goal! It saves me hundreds of dollars every time I do the no-spending challenge (and I very often choose no-spending months)! To make it more fun, I sometimes involve my husband. We print two papers a month at no cost (one for him, one for me) and compete to see who can spend the most! This is a great way to attract an unprofitable partner! You’re welcome to join us. word-image-13808

Does the No Expense Challenge work?

Now the big question: Can you really enjoy the challenge without spending money? The answer can be yes or no. Let’s start with the no. Consider going on a diet and exercising. If you only do it on weekends (or one month a year), does that help? That’s right. Also challenging yourself not to spend can really help you reach your goals (save more money) and develop healthier financial habits. But it clearly doesn’t work to spend $1500 on cosmetics and clothes every week, and then on the weekends freeze your spending and tell you not to spend anything. Who are you really kidding, sis? So if you want the “don’t spend” challenge to work for you, you have to be willing to commit and be consistent. Slow and steady.

Why make an appeal not to spend?

No challenge can be life-changing if handled properly. This reduces the financial burden in the long run by forcing you to make the sacrifice upfront. Short-term pain for long-term gain…. Do you know? According to an article on GoBankingRates, the average credit card debt of a person in the US is $6,814 , and at the end of 2019 Americans collectively had almost $900 billion in credit card debt! Add to that an average student debt of $20,000 to $25,000, and you can understand why many Americans feel there is no light at the end of the tunnel. If you’re frustrated and don’t know where to start, try challenging yourself not to waste! Do you have debts that are making your head spin? Do you live from day to day? Want to set up an emergency fund (or replenish another savings account)? Do you want to develop healthier financial habits? You want to travel the world? Want to put a down payment on a house? If you answered yes to at least one of these questions, then you must have a No-Waste challenge in your life!

11 No Spend Challenge tips to spend less and save more

1. Decide not to issue a call that matches your objectives

The first tip on this list is to choose the right way not to spend. You want to save a trillion dollars? You might need a year without spending (or a little more time than that now LOL). Are you trying to save an extra hundred dollars every month? Maybe you should just take a few days off. It’s time to bring your lunch to work and cancel the friends you want to invite over for a night out. On those days, don’t forget to dust off your coffee maker and don’t wait in line at Starbucks. You’d be surprised how much these little things matter! The most popular challenge is the no-spend month – the middle ground when trying to save a large sum of money. Most people try to set up a no-spending program at least in January, as this is the time when we make New Year’s resolutions and set financial goals. To decide which waste-free challenge is right for you, grab a pen and paper and write down your goals. Set a deadline for achieving these goals and determine the pace at which you want to move forward. You should also consider your individual characteristics. Not spending is similar to dieting. If you are too hard on yourself, you may end up quitting your job. At the same time, it’s also called a CHALLENGE…. which means it doesn’t have to be super easy. You know what I mean? Choose a reasonable, achievable goal that you won’t spend money on – one that you can stick to. Find common ground. word-image-13809

2. Recording your necessary expenses

Since Don’t Spend only allows you to spend what you need, you must track these expenses and allocate the money in advance. Remember, this list includes rent/mortgage, groceries, bills, etc.

3. Make a budget (and stick to it!)

This is a must if you want to manage your money better and save more! You should always know exactly what your money is being spent on! Have you ever wondered at the end of the month where all your money went? I’ve been there in the past (and I never want to go back!). Using your list of expenses from the previous step, determine the budget categories. If you’ve never made a budget before, check out this comprehensive guide How to budget for beginners in 7 easy steps .

4. Get a tracker to track your days without

Keeping a record of the days when you don’t spend money can be one of the easiest and most effective ways to meet and overcome the challenge of not spending. There’s something special about checking off a box at the end of the day (or putting a sticker on it – hey, no judgement here!) when you make sacrifices and stick to your goal of not spending. Do you know how reward schemes for children work? Yeah, well… It seems to be the same. Of course, days where you spend money on bills or groceries (within your list, of course) don’t count as extra expenses. That’s how I would keep doing highlights on days like this! Do you need a pressure-tracer? Grab my FREE printable tracker of the month, no waste!

5. Meal plan (includes reduced-price meals only)

I already mentioned meal planning. I can’t even begin to explain how much money meal planning saves me each month! I usually do this every week, but sometimes I leave a little room to do a pickup day if the week is busy. But takeaways during the ‘Don’t Waste’ period are generally a no-no! Takeaways are considered unnecessary because they can be very expensive and can sabotage your whole approach to not spending and reduce your savings. So what to do in times of no spending? We’re cooking! I am currently a busy mom (two young children) and have a steady job (high school teacher). I know how hard it is to cook in the evening when you come home from work and are very tired. To stick to my meal plans, I usually plan out the week on Saturday morning (or the Friday night before) and make a grocery list. I bring all the ingredients I need and cook on the weekend. I cut all the vegetables, prepare the marinades, cook the meat, chop the spices and do everything else. When I get home in the evening, I still have to put everything together! I also stick to simple meals that don’t take all evening. I need to be able to cook in the time I have left after doing my homework with the kids (and we all know how long that takes). Finally, I would like to remind you to respect a budgetary rule. What’s the point of all this if you’re going to waste your budget on lobster and caviar dinners. Yes? *** BONUS TIP If you don’t know how to start planning your meals on a budget, I highly recommend you try the $5 meal plan! For just $5 a month, you get a delicious meal plan for each week. The cost of these meals is only $2 per person. Sometimes you have to spend a little to save a lot, right? But if you just want to test yourself, you can try the $5 FREE meal plan here ). ***If you really can’t stop eating out, take the money out of your grocery budget and spend a little less on your next purchase. I know. Sometimes there is nothing to be done. Associated measuring values 18/week budget meal plan for those who are broke (includes 21 meals + shopping list) 15 great money-saving kitchen tips you need to know 12 budget-friendly recipes that cost $1 per person

6. Choose a day to shop and stick to your shopping list

In this tip for not spending, I can’t stress enough how having just ONE day to shop (per week or even per month) can improve your not spending game. I’ve noticed in the past that when I go shopping, I’m tempted to grab any shiny item that catches my eye. And don’t get me started about the shelves on either side of you while you wait in line for money. They strategically put all the useless (but very cute) stuff in there. The longer the line is, the more I have to wonder if I need a product from that place or not. Is it me or not? Shopping once (rather than several) reduces temptation and makes it less likely that I’ll buy unnecessary things I’m convinced I need. When I’m there, I make sure I only buy what’s on my list – and no extra items at all! See how I managed to reduce my grocery bill by 50% every month! ***SPOILER ALERT*** One of the tools I use to save money while shopping is Rakuten (formerly known as Ebates). I literally get money back every month (but I get paid every 3 months). And who doesn’t like extra money? I just buy normal products from my shopping list via Rakuten and start making money immediately! Sometimes that means I don’t even have to go to the supermarket! A THRIFTY VICTORY! word-image-13810 *** Sign up for Rakuten here and get $10 free on your first start! ***

7. Avoiding unnecessary ways

Just as you keep your shopping to a minimum, you should avoid unnecessary trips to the mall, shopping areas, etc. This tip is especially important if you are a former shopaholic or if you are easily tempted.

8. Practicing self-monitoring

And if for some reason you do have to go to such a place, show a lot of self-control. Walk with your eyes closed if you have to. Do whatever it takes to ignore the perfect little black dress in the window, and for heaven’s sake, stop picturing yourself in a new blouse hanging at work – even if you know it matches your eye color. Once you get the hang of it, half your work is done.

9. Find a responsible friend

It’s not surprising that we do something better when we have to justify it to someone. After all, that’s what bosses and managers are for, right? Chances are you won’t spend it if you have a friend or family member to whom you are accountable at the end of the day, week or month. This person may also agree to be your voice of reason if you suddenly decide to make an irrational purchase. Agree to call your accountability partner before making unnecessary purchases so he/she can help you decide if the purchase makes sense and makes sense. Your accountability partner may also be willing to listen to you when you have problems and need venting, and to celebrate your victories with you. Because, let’s face it, this trip can turn into a roller coaster!   word-image-13811

10. Find activities that are fun and free

Who said not spending money had to be boring? Most people think you should sit at home and sulk because you have nothing else to do. FALSE. There are many free activities that make the No Spending Challenge fun and exciting. Some of them may even make you forget that you are actually enrolled in the Don’t Spend program. Don’t spend what? Check out these free courses that will help you take on your next challenge without spending !

11. Count your savings

After all, you can save hundreds of dollars by not spending! So keep counting those Benjamins. Be sure to set them aside so you can safely increase your savings while you work on all your financial dreams!


Why not try to make more money during your non-spending event? Imagine how much you could multiply your savings! These resources will help you get started. 17 part-time jobs that earned me over $67,000. The 12 best transcription companies hiring beginners (earn an extra $3,000 a month online). 30+ legal ways to make $500 fast Here’s how. The challenge of not spending may be just what you need to change your financial situation. So why don’t you give it a try? You’ve got nothing to lose, have you? Nothing to lose and HUNDREDS to gain! It really is the perfect way to start saving if you don’t know where to start. The hardest step is to get started. Good luck! They got it! ***You chose not to spend the money? Want to connect with like-minded people who can help you stay on track? Why not join our private group No Spend Challenge Facebook? We help each other stay motivated, celebrate our victories (and vent when we’re struggling), share new tips on how to stop spending money, and support each other in any way we can! Send a request and I’ll be happy to add you!

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