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No Spending Month – 30 Days Without Extra Expenses

No Spending Month – 30 Days Without Extra Expenses

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I have a 30 day dare with myself and my family not to have any extra expenses. January is our “no spending month” and I’d love for you to join me on this challenge. Read about my “why” and how I plan on implementing these no spending rules, without undue stress or resistance from my kids!

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The Start of my No Spending Month

It was January 2nd and I needed to make a Target run for more whole wheat flour and canned tomatoes. I had no reason to walk through the Dollar Spot area but I did, you know, just to see what was there (I know you feel me on that, right?)

Into my cart went stickers ($1 – for the students I teach at the rec center), Valentines ($3 – for my preschooler) and a Day planner ($3 – for my husband, who’d mentioned wanting one). Then I remembered that the dish soap had run out so I grabbed a refill bottle ($3.99).

Almost eleven dollars spent. Sure, that’s not much. But in hindsight, it wasn’t anything I needed to buy. I already have stickers I could use for my students, I didn’t need to buy more but they were cute and “cheap”. Valentines Day is still a bit of time away and I actually could probably print them myself at home. The dish soap wasn’t really needed. I have multi-purpose soap concentrate that we bought in bulk that can be used as dish soap. And my husband said he didn’t really need the paper day planner after all, he’s going to use a free app on his phone.

If I took a more serious look at my budget I just know that there are more ways I could be cutting back; I know there are extra expenses I’m making that don’t really need to be made! I’ve decided to make January my “No Spending Month” and intend to go at least 30 days without extra expenses.

Challenge Yourself to a No Spending Month - 30 Days Without Extra Expenses

What are “Extra Expenses”?

Extra expenses mean different things to different people. Perhaps for you it’s skipping the coffee shop and making your morning brew at home. Maybe it’s brown bagging lunch to work or not buying any clothes for the month. Or eschewing entertainment costs for at-home family fun.

For us, eliminating extra expenses means-

  • Not eating out
  • No frivolous food purchases, including chips/crackers, dessert items and alcohol
  • Nothing that we don’t imperatively need or require to run our family or home.

What are your “No Extra Expenses” rules? Write them down to make them real and do your best to stick to it for at least 30 days.


Discuss it as a Family

Everyone will need to be on board to accomplish getting through 30 days without extra expenses. Talk about your plan with the kids so they’ll know what to expect. If they’re used to spending money out on the weekends or dinner in a restaurant a few times a week, they’ll need to see and hear why you’re making changes in the usual routine.

However saving money doesn’t have to be a downer and here’s a story to reiterate that. Once in a while I take my preschooler out to lunch, just the two of us as a special treat. Those “special treats” are usually only twice a month but with the average cost around $15 a visit, that’s $30 I could be saving! Today when I picked him up, he asked if we could go to lunch in a restaurant and I had to tell him no, that we aren’t doing extra spending this month.

However I want to make saving money a positive thing for thing, so I told him we could still do something special. When we got home, we made pizza together for lunch. It cost me about $1.50 in groceries (that I already had at home) and it was still a special treat for just the two of us!

Challenge Yourself to a No Spending Month - 30 Days Without Extra Expenses

Why are Your Doing it?

In essence, why are you making this change to eliminate extra expenses? Your reason might be different from your spouse, and even your children.

  • Do you feel like you’re overspending?
  • Do you have too much unnecessary stuff in the house?
  • Are you an impulse buyer and need to rein it in?
  • Do you want to save up extra money for something specific?


Consider the Cut-Back First

If your family is accustomed to movies, date nights, dinners and shopping every weekend and you’re planning a nix to all of it, a drastic change in the usual plans may be a shock to them! Perhaps consider a cut back for 30 days first before completely cutting things out.

If you’re used to eating lunch out every day, cut back and only indulge in one or two lunches out and pack your lunch for the other days. If you always purchase concessions at the movies, still go see a film but have a snack at home first. When you’re ready to cut back further, skip movies in the theater and watch them only when they come out on DVD.

Challenge Yourself to a No Spending Month - 30 Days Without Extra Expenses

Fun Stuff Already in the Plans

What is you already have something planned during the 30 days? Use good judgement and don’t outright cancel your fun plans. If you’re going to a birthday party it would be okay to purchase a gift rather than showing up empty handed.

What About Entertainment?

We’ve slowly eliminated most costly entertainment over the years so it won’t be much of an affect for my kids during the 30 days of no extra expenses. We eat at home before we go somewhere or pack a lunch and snacks to take with us so we aren’t tempted to eat out when hunger strikes.

We choose free things around town to do, usually something that gets us up and moving. We’ll take the soccer or basketball to the park or we’ll set out on foot to explore a trail. We can usually find a family movie on Netflix or we pull out one of our tried-and-true DVDs to watch in the evening.

What Will We Do With the Extra Money?

As usual, I’m saving up for travel”! Hoping to be able to take my kids to a conference at Walt Disney World this year and airfare is over-the-top expensive for all of us. But $11 saved here and there really can add up! My goal is to save $200 a month for the next 4 months to get the airfare costs covered.

What will YOU do with the extra money you’ll save from this challenge? Share with me in the comments!

Challenge Yourself to a No Spending Month - 30 Days Without Extra Expenses

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