5 Tips to SAVE During NO SPEND JANUARY (Saving Money with Frugal Living)
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- Опубликовано: 1 окт 2024
- Today I’m sharing 5 tips to save MORE during NO SPEND JANUARY. This coming year, join us for NO SPEND JANUARY and kick off your 2024 with some savings! This will be the fourth annual No Spend January Challenge to save money for your most exciting financial goals. Here are 5 tips to help you save more for No Spend! Will you be doing No Spend January with us this coming year? This is an early conversation to start preparing! January is a great time to start implementing some frugal living tips and tricks to start saving money for what is most important to you.
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5 Tips to PREPARE for NO SPEND JANUARY (Saving Money with Frugal Living)
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#nospendjanuary #nospendchallenge #savingmoneytips
Kate, I watch you each week. It helps me be mindful of my goals. The old saying" birds of a feather flock together" comes to my mind. When I surround myself with like-minded people about setting a budget and sticking to it, reaching goals, saving, etc. This helps me stay on track. Thanks so much.
Janice! YESSS!!!! Thanks so much. Love seeing you each week!
yes, time for me to wean off my 'unboxing and beauty box friends' and hang out with 'save & invest friends'
January is a great month to do deep clean and deep declutter instead of buying. Get house back in check to start the new year.
Trying to do that this month in December so I’m set for January and have things already on hand come no spend
I turn 60 next month. Yay. I can relate to the alcohol thing.. my Roth journey began in my 30s. Stopped when life happened.. Two young kids. Divorce &Job loss. Divorce finalized and job loss all within 2 days.. that was a rough week! I began to max my Roth in my mid 50s. So I'm sure I'm way behind.. but it all turning out okay. I'm blessed beyond! Have a nice day everyone!
So glad you are here Mary! Thanks for sharing with us!
I’ve definitely cut back on alcohol, not just to save money but for health reasons too. I watched a long video by a doctor about what alcohol does to you, the main premise was that no amount is healthy. I admit it scared the crap out of me. I still have a glass of wine on occasion. I feel better and save money as well.
Our microwave died the other day. At least this means it's less likely to die in January, because it's a brand new one now!
YASSS! :):) It's always something right? But at least it's Pre-January! LOL!
Good morning Kate definitely doing no spend January I have three low spend months per year no spend each last week of a month
Did you get a good on the new microwave?
@@elizabethbarrett5303 not particularly.
You talk about shopping ones home. When our microwave died, we shopped our neighbors garage. We saved and he had some cash.... Some people have stuff
I can totally relate to the alcohol thing! I used to be able to hold my alcohol well and really had fun. Now it’s pretty easy for me to give it up because it makes me feel so junky if I have more than one. Glad I’m not alone 😅
I can relate. Used to be fun, but now the ride is not worth the fall. 🥴
Hi K Squad. I’ve been watching and keeping up. I just haven’t been commenting. You all know I’ve faced death, beating stage 4 cancer. Also, I work in nursing where I see people at the end of life, minimal stuff crammed into one room. It really woke me up! We don’t need MOST of the stuff we have. Sell it! I’ve been selling my Hallmark ornament collection on eBay. Why? I can’t take it with me when I die. I am sick of storing and dusting it. I am just done with the extras. MOST IMPORTANT: I want memories and freedom from working asap vs debt. Make savings more fun than buying crap we don’t need. PERIOD!
Love ya Gert!
One of the best tips
I have for a no spend January is to NOT overspend on Christmas. I have a premade list of who and what I am buying for at Christmas and stick to it so there are no surprises come January. Of If I can’t pay it off at the end of the month, I don’t buy it. I also eat out of my pantry the entire month using up items I purchased as loss leaders or sales during the fall. (Except for fresh produce or perishables.) It’s fun to try and come up with meals using what i already have. Thanks Kate for the video!
YASS!!!!
my favorite tip for a month without spending: use what i already have: food, beauty products, cleaning supplies and then clean out the freezer, clean out the pantry, clean out the bathroom closet and make a list of what needs to be restocked (just the things i really use and like)
and I get a really good feeling from a non-spending period. No stress of shoping, no time losing to running around to get everything,
Bought at a local consignment shop four great throw pillow that have TOTALLY updated, upgraded, and refreshed the couch in our great room. It has made an amazing change in the couch, the look of the overall room, and my feelings towards them. I sold the four pillows that were previously there. Win, Win! Merry Christmas, Debbie
Hi Kate :) when I started my direct deposit from work, I also set up my savings. I have 25 dollars automatically sent to my savings account every week. You don't really miss 25 dollars, but it ends up about 1200 dollars in one year!
YASS!!!! WAY TO GO!
Another great video, thank you so much! Our favorite thing to do in a no spend is to REALLY take care of the things we already have that we constantly take advantage of. We clean them, repair or maintain them if needed and generally appreciate them for the Blessings they are. Giving Thanks to The LORD for all He has done xx
LOVE THIS!
Honestly, chocolate chips are in my capsule grocery list. But don't tell anyone...
Love it!
My no spend January will include not spending on food. We went through our chest freezer and wrote down exactly what is in there. I will meal plan from my list. The only foods I will be buying is milk and eggs. The goal is no spend and no waste. January no spend makes me giddy- lol
Love it! I have turned saving money into a challenge to beat my own budget targets, and that takes some doing. My earliest memories of frugality were every New Year, when my mother pronounced that 'this is the year of the economy', then things carried on pretty much as usual, which was a very strict frugality that arose from parents who lived through WW2 and did their formative years on rationing. That has been a very helpful framework for budgeting and frugal living in my own life.
Same as yours, also includes eggs , canned chicken, and mayo. When needing something quick for dinner, it's either breakfast for dinner or chicken salad sandwiches.
YUMMM!
I shop like this as well but never heard or thought of it being a "capsule" grocery list.. Eggs, cheese, some kind of bread and ground beef and coffee. We have a deep pantry and freezers (we live on a mini farm and have chickens, beef and goats) so I only shop loss leaders 90% of the time. Saves me big time. Also do Breakfast for Dinner a few times a month which saves $$
I don't drink much at all. I have quite a collection but its just me and my husband and he does not drink at all. I loved going to wineries and would usually do "free tastings" and then pick up a bottle but I hate to open a bottle and have it go to waste. Guess I'm saying I need a drinking partner. LOL.
Yes, my capsule grocery list includes eggs, frozen veggies, ground turkey, burger patties, milk. I too being older cannot consume alcohol at night as it disrupts my sleep. Great tips for no spend as always!
Thank you for the great video... a couple of things ... when the "new" customer promotions are going on, I contact my providers and discuss my options to lower my monthly fees and , so far, the provider has given me the same promotion as a "loyal" customer... mind you, I do shop around and always do this when the other providers are also doing their promotions so I have an out... I just did this with my internet/phone provider and not only saved additional money on my monthly bills, I even got additional data for free. As for the food capsule, I like the basics plus protein... you can do anything with eggs, butter, cheese, flour, milk/cream (or alternative - unsweetened) and some protein/veg of choice. I also always have dry beans and rice in my pantry... These items with some basic spices/yeast, baking powder and baking soda - you can make almost anything.
Thank you so much Nancy!
To spice those January meals up, explore side dish recipes using corn, green beans, carrots, and cabbage. Skip the fresh herbs and use dried instead. Use canned or frozen corn, green beans, and tomatoes. Fresh onion and garlic are cheaper than dried flakes most times. Skip the Rotel tomatoes and very finely dice a portion of a hot pepper (use gloves, freeze extra finely diced), sime inuinm sime soicesm and a house brand of tomatoes instead.
Explore the open bottles of sauces, condiments, and things in your refridgerator door. Look for recipes that will use them up.
Explore dishes, salads, and desserts that use rice. If youve got a lot of pasta, do the same for pasta. Look fkr tje inexpensive bags of 10lb and 8lb of potatoes then cook them using a new recipe or method; or one younhafe t had fir a while.
Quick breads and muffins both sweet (contains sugar) and savory (for eating with dinner). Most newer recipes contain additives a basic recipe does not. As a starter, look fkr a 4 ingredient Irish Soda Bread recipie then staet looking at all the other versions out there both sweet and savory.
Great reminders!
You type too fast like me!😂
One of my frugal tips is to go to the Thrift store first when looking for something. I wanted a shoe basket. I went to several stores one Saturday and the best one I saw cost 40$ but I didn’t want to spend 40$ so the very last store was our local Thrift store. I found exactly what I wanted for 5$. I was so excited!!! I also needed a bag/purse and found exactly what I wanted for 3$.
Great message!
We (Sue and I) are sort of semi-no spenders and semi-minimalists but we are, and I'm soo happy to say this, we have become "super savers" and uber budgeters. For us the key to becoming frugal and mindful of our money, saving for a rainy day is having a real honest budget. We were probably 2 years into our debt free journey before we got down to it and crafted our budget. Our journey would have been many months shorter if we had put our budget front and center.
I can totally relate with the no alcohol thing! I’m 57 now and even a few yrs ago I could have a few and feel ok now it does absolutely nothing for me . I have to say when my husband and I go out our bill is drastically lowered because we just don’t consume the amount of alcohol anymore! It’s a win win!!! Looking forward to another no spend low spend Jan and Feb.thanks for the videos
You can put in even more in your Roth IRA in 2024.. &CD rates are increased!!
When I consider canceling a subscription or calling for a lower rate, I think in terms of how much I will save in the year. $15 month isn't much, $180 for the year is worth the effort!
You know November and December come every single year.
You know what holidays are in those months.
It is a big expense.
Plan early for the holidays.
Don't wait until the last minute to plan.
Think outside the box.
Instead of the huge meal,do brunch
Snacks
Dessert
Drinks.
Sandwiches
Have a pot luck
As for gifts, how many people are you buying gifts for?
What is the budget?
If you plan early,you aren't hit with a high credit card bill in January.
You won't go into debt.
The budget is really the game changer! I used to think I knew what I was spending each month but I had no clue until I actually started a budget and tracking my expenses down to the penny. I'm definitely going to be doing the pantry challenge in January too, use stuff up!
YESSS!! TOTALLY!
I google ingredients for recipes all the time !! It’s amazing what you can make !
YASSSS!!!!
Having a capsule menu is a good way to look at working with a few ingredients. I have done this so often I never thought of this action as a capsule list of meals. Thanks again for sharing. I always learn one more way to work when I watch your videos.
Eating leftovers now and menu planning pantry/freezer clean out and mentally prepping for NoSpendJan. Looking fwd to it, I NEED a strict NO-Spend, no faking it, be strong to the end, pay down debt, resist temptation January.
Thanks! I just added tortillas to my grocery list. I already have the cheese. I can put Anything in a quesadilla! They're my favorite!
It may be a no-spend winter for me if not the whole year. I'll still need a few basics but I'll be calling it no "extras."
My biggest problems are subscriptions and buying stuff on Amazon. I love tracking those packages.
But I can put those things on my Wishlist and see if I still want them later. Often I don't.
My fav too!!!!
Hi Kate- I have been following you for probably 2 years now. I love your tips! I decided I need to do a no spend January. Unless it is a necessity, I don't need it. I have a vacation at the end of January so I will commit to not spending for my next credit card cycle. This is going to be hard for me. I am a sucker for a good deal and also stress shop.
As for drinking, I decided to quite when I turned 47. It was not doing anything for me so I quit one day. Here I am over a year later and doing great. It has reduced our dinner checks when we do go out for a nice meal not to mention the costs we save monthly for not feeding this habit. I went AF for my daughter's bachelorette party, her wedding and every dinner and holiday not missing that glass of wine in my hand. AND to keep my hands busy, I started to crochet and got pretty good at it. Now, yarn shopping is a problem but I have enough stock to get me through no spending for a month. Wish me luck!
GOOD LUCK MARY! You've GOT THIS!!!
Thank you for encouraging everyone to use a budget! It has changed my life in so many positive ways. I tend to hop in the car an an almost daily basis. To save on gas money, I'm going to consolidate my errands to a once or twice a week trip. Thanks for all your great ideas! ❤
Love this Sharon! You are so welcome! So glad you're here!
Hi Kate ❤ my health insurance went up I also took out life insurance my husband will be 60 im 53 I feel that's important only thing there taken 122.00 a week out of my pay im low income I have to tighten the reins but I have my 1000.00 emergency fund and a cash savings I add what I can❤
yassss!
My grocery bill was cut in half when I started eating vegan. It has been a game changer! Why not add even two or three days of plant based meals during January to reduce your grocery bill.
Aside from contacting your utilities to lower charges, get on their budget program so you know exactly how much your bill will be each month
Wash the walls and everything
I love your weekly videos to keep me on track. I did have to order something for my doggies, but it was on sale, so I was pleasantly surprised and was able to use a coupon that I had from my last order (win, win!).
I am planning on doing no-spend January and I am very thankful that my mom decided to bring a cooler full of meats, when she came to visit before Thanksgiving. Eventhough my husband is a butcher, we will be able to use up all these meats this month and into January and save on our grocery bill 🙂 I am hoping this year goes better than last year!
YASS Lyla!!! (and thank you! I love seeing you each week!)
Something that helps me not spend on home decor - whenever I'm browsing decor online it means I'm unsatisfied with the space I have. So usually if I do a deep clean of the area, it feels fresh & inviting & all of a sudden I feel content with what I already have & stops the urge to buy.
Happy Frugal Friday! I’m always amazed at how many more meals I can get out of my “empty” fridge. We are doing a pantry challenge to help clean out the excess. We have allotted approximately $40-50 a month for fresh produce.
As for alcohol, if you have issues with it by all means don’t drink. But with that said, it is the quality of what you are drinking that is affecting you more. The cheap crap will make you sick, higher quality stuff doesn’t affect you the same way unless you over consume. It is one of things that it makes sense to spend more money on.
Happy frugal Friday 👍 No spend January 2024 has struck a cord with the KSquad 👍 It shines through how much you like this Kate 😊 How is Mr Hanum doing on medication? 😻
Thanks so much Sandra! Mr. Hanum has some good and some bad days, but mostly good right now. My sweet first born babes:)
My capsule grocery will be going to Sam club and get a rotisserie chicken already cooked and from there I have three days worth of meals. I do a this since I am empty nester and I do not have a huge grocery store bill anymore. I also buy bigger purchases on the fruit and veggie fresh and buy them in the freezer. When I need them I have them to just cook or let them thaw out. I also buy bulk on the blueberry muffin 6 for 5.00 same them put them in the freezer and take out what needed for a lite breakfast. I do this type of capsule grocery list also help out budget for the month since these are the staples usually every week or every other week. 😊
LOVE IT!
Dry January changed my life. Highly recommend- and yes, way easy to save major bucks. I overhauled my entertainment budget- that's worth a whole episode!
Hi Kate! I find that after putting aside money towards building my emergency fund and sinking funds, if I put extra payment towards debt I have less wiggle room for "fun money". Just seeing my account lower makes me less likely to think I have the money to spend on things I don't need.
Yes, I can't drink much alcohol anymore. A glass of wine now and again, but more than that and I feel like i am 100 years old the next morning. lol
Just preparing for my no spend January. Spend yesterday afternoon sorting out am my Christmas sets cards left from last year and realised I have enough that I don’t need to buy any this year. I am using December to have a good sort out and inventory of the things I have stocks of and making a not of things that really need using up first. I feel that in doing this I am setting my self up for even bigger savings in January. I am hoping to be able to top up my saving by about £500.
Love this!
😂 I am same.. but haven't found my Christmas card stash in. My basement just yet.
Joel and I have never been into alcohol. Thank goodness. I’m always shocked when I see how much it costs. 😮😂
It's SO expensive! And adds up fast!
Rearranging furniture does change atmosphere of our home
I am doing another year of NO SPEND JANUARY!
YASSS Katherine!
I’m doing No Spend January too! I’m also doing January-March. I’m preparing for a move to Texas, So I really need to save and be more strict.
Set up your savings accounts to have automatic deposits every single month! You won’t miss it and it really adds up!👍
After your last video I told myself, I’m in! So I asked myself what is one of the challenges I would be facing and it is definitely Dunkin iced coffee. (At $5.00 a pop!). So I looked it up on RUclips and found out how to make it myself. Well I made some today for myself and my nieces and they were great. When they asked what it was, I told them it was Donna’s Dunkin’ and I charge more than Dunkin! 😂 ☕️ Thanks. 😊
Yasss🙌🙏❤️
Yep, alcohol lost ALL my interest the older I got. I haven't had a drink in 4 years and I love that. I'm actually thinking about selling my car and buying an E bike. Would save me about $500 per month with my, insurance and gas!
I went to Mint Mobile. Love it. My pantry and freezer is stocked, just fresh veggies may be nice.
I don’t really do no spend January as it’s the summer here (Aus) But my plan for 2024 is to not buy anything unless for an outing and I have a cruise in May.
When I’m trying not to spend I don’t look at it as I’m not allowed to spend, I don’t want to spend. And I remember I have everything I need to be happy and being grateful helps too, I don’t just focus on the end goal, it’s a way of life, content and stress free, that’s always my goal. I would rather use the time to relax, have some wind down time, to just breathe and spend time with family. Do some day trips to the beach. Detox from December lol
My favorite money saving habits are: the auto save feature on my checking account, online grocery ordering and pick up, and a daily budget to stay within.
I’m also working on my sinking funds…
Thank you so so much! And I LOVE that habit!!!!!!
I am working on my sinking funds too
Yes actually alcohol is something I stopped years ago at 58 I have no desire to have it
Hi Kate, Happy Friday. I love me saving tips.💯 Yep, we can still make the delish dishes with low low cost. My tip: I make Thanksgiving Turkey into 4 more dinners and lunch for 3 people.
1. Burmese Curry/Spicy Turkey dish
2. Turkey Sandwich with any veggie you have from refrigerator
3. Seared Turkey with jasmine rice or baked potato
4. Turkey bean soup with any green veggie of your choice.
I am with you. I will be doing No Spend January (except I use my birthday savings for Caesar, my son's Happy Birthday) and more No Spend every year too. Have a sweet Friday friend❤❤
LOVE!!!!
Kate, many of the things you mentioned, I already do, but some stand out, and I wanted to share. First, I do keep a budget/ledger, just so I know where the money goes. Things that stay the same, I put on auto pay. This also includes church donations, and savings account. The only things I pay by myself is my two credit cards. I want to see an itemized list each month and pay it off completely. I have an overdraft account on my checking, so if there is a month that has more expenses, I avoid the overdraft fee. I also pay that off each month. I use very little cash. Recently I had some unexpected medical bills, I talked to my bank, with their guidance I was able to pay off two loans (medical bills and car expenses), saving the money that would otherwise gone to pay interest.
I like to think of myself as frugal and minimalist, I do shop my closets, pantry, etc. that seasonal refresh in my home is important to me. I declutter frequently, and don’t want to bring new things into my home.
Foods: I need a soft diet and avoid certain foods. I make soups, portion it into qt.size bags, freeze it flat on a cookie sheet, then I can stand them up Ike books in the freezer. I use veggies, ground meat, rice, barley etc., and Pinterest for ideas. I’m retired, and my big splurge is going out daily for a change of scenery, I like to sketch, so I go to McDonalds for a sandwich ($2.00), I plan this into my budget, gives me some social time, and creative time. I don’t go to stores without a list, and only buy what I need. I have an app that I use to track what I need. I declutter my pantry monthly, so I know what I have and need and don’t buy duplicates. Thanks to your suggestions, I frequently have no spend days/weeks. I’m definitely in for the no spend January. I often feel there is nothing I NEED! I get satisfaction from my seasonal rotation of things I already have, and my low cost outings to sketch, lunch and socialize. I also use apps like Fetch, McDonalds, etc. also using the credit card instead of cash for purchases gives me points. This was recommended by my banker.
LINDA! Thanks so so much for sharing with us! Love Pinterest for ideas. And i love that you make time for CREATIVE TIME! LOVE IT!
Keep a bullet grocery list on your phone. I have 3 I use …for Aldi, Wally World, and BJs on occasion.
Aldi is for my essentials. Eggs, butter, bacon, coffee, half n half, bread, cheese, canned goods, baking items, spices.
Walmart for things Aldi doesn’t carry.
BJs for wine🤗 meat in bulk, batteries 48 pack, etc (maybe 4 times a year)
I am digging through my condiments and using up the rarely used one's for flavoring my meals. Add Buffalo sauce to tomato paste to top a meatloaf. Use the heels of bread toasted and seasoned for breadcrumbs or croutons. To not feel deprived during a no spend months, do simple delicious food. I make jello with orange slices (halo, or tangerine size)in it. Then get whipped cream, a small dollop, and everyone is happy. Add chicken broth to a bag of frozen vegetables, and you have soup. You can throw in rice or pasta to make it more filling.
Before paying a medical bill, call and ask if they offer a prompt pay discount. If you are paying in full, they may give you a 10% discount.
Going into my first no spend January. I tend to be a project person. Buy this extra thing to do this with it. To keep myself occupied planning on cleaning out spare bedroom, outdoor sheds, re-organizing Christmas decorations, purging, packing up stuff not in use. Only extras will be to buy more plastic storage totes, moving bags and vacuum bags. We need to be more ready to move out of our house to avoid the stress and last-minute problems.
For no spend January, I’ll be eating from my pantry and freezer. I plan on only buying fresh produce as needed. I have more than enough food in my pantry 😮
I’m thinking for 2024, I will do every other month pantry only eating.
love your program. I love Jan to clean out my freezer. I open the door and what ever falls out I make dinner. Also good time to ck your pantry to use up all almost expired items. Will replenish in Feb. Happy Holidays Katy Prais
Thank you so much!
I can’t drink any more either Kate. I use to in my twenties but now I’m in my thirties and can’t even handle a little bit. It just makes me sick like a allergy. We know alcohol is bad for your health.
I switched my cell to Mint mobile and I'm Saving $800/ year. I was a small pain but sooo worth it.
Im a 25 year old teacher and let me tell you, you age fast when teaching. I can no longer drink or party past midnight because it takes me two complete days to recover. Pathetic? Yes. Healthier? Absolutely.
We don't understand with our cell phone company, been over decade & rarely get deals. Hape with Allstate because we are grandfather policy & would pay more, but very happy with our home & car policies.❤
Call your internet company and ask to speak to their customer loyalty department (especially if they have just raised rates). I’ve had some good experience with a couple of different providers in lowering my bill this way.
I called an insurance broker and saved 55% on my car insurance and got better coverage. I also switched to Mint mobile for my cell phone.
YASSS!!!! Wow! Great savings!
Thanks Kate. Happy Savings in No Spend January K-Squad and a very Merry Holiday and 2023! ❤🎉❤
YASSS!!! Thanks Judith!
I plan to eat what I have in the fridge, freezer and pantry. Tonight, I made ham and Swiss quesadillas and green beans.
I am close to sixty. I lived a frugal life but was never able to save due to family responsibilities. Now i am saving and i regret not at least saving a little
For us, January is about playing with and using the Chrstmzs presents just received. It is a time to finish up incomplete projects, projects purchased for but not begun, create projects to use up left overs from previous projects, and do projects that use what we own. We also begin spring cleaning 'cause no one wants to do cleaning when the sun is out in the spring.
Winter time is the right time to do "spring cleaning."
Sounds like a great plan!
Hello, I am new. Hope and Larry sent me. 😁🙏😊
Thanks for subbing! LOVE HOPE AND LARRY! I'm so glad you are here!
Great tips. No spend January, since I found extra fill in pantry items on clearace yesterday.
YASS!
I changed insurance companies and saved over 800$ per year.
Suck it up Buttercup and make the call ... it's worth a shot ...
I don't drink alcohol anymore, I can't handle any of it,lol don't miss it.
I got my crap together today... I got my snowball together to get back on track in 2024. Already paid off 2 credit cards because I had the money in my account. Shredded both of those :)
YASSSS!!!! WAY TO GO!!!
Breast chicken,minced meat,or pork pieces,mixed with a veggie and a carb,some with a sauce. Also vegetable soups,or cream soups; for breakfast cereals,apples for snacks,and for treats or sweets I make a simple dough that I fry and eat with jam,or sugar,or pancakes.
YASS!
Yep! The body doesn't care for alcohol the older you get!
Right? LOL. My body is like...eh...pass.
My merlot wine does my body good
Kate, you make being mindful of where our money goes fun!
When we started to get our financial act together it was really my idea Sue wanted to do this but I'm one of those individuals that once I get into something I go all in. So my going all in was a bit much for Sue so she was happy to let me take control. To get our food budget down I decided the best course of action was for me to take over most of the food prep. That meant I had to teach myself how to cook.
A couple hundred meal flops later I can at least boil water LOL! Anyway, we do a lot of our shopping at Aldi and the rest at WalMart. Sometimes I will take 10 or 15 minutes on an isle and look at things that I normally don't buy and sometimes I will pick up something not knowing what I'm going to do with it. This week I bought a jar of curry sauce, I don't know what I'm going to do with it, we have never made anything with it but I'm going to figure something out, something different and at $2.65 a jar not too much money if it flops.
Thank you so much!!
My favorite is use up pantry/ freezer food before buying more.
Just like me need a new toilet seat and just got a new one for Christmas 😂. It’s to small and it’s falling in when sitting (it’s one of the other “memory foam” types) . Does that count as need ? 😂😂
Oh my! YES THIS IS A NEED! Gotta be comfy where it counts! LOL! :):)
Tortillas heck yeah! Pasta, rice, whatever meat is on sale, cheese, frozen veggies, beans, yogurt & eggs.
Something I did that seems simple but I was putting off is actually paying all the bills I had stuffed back into the envelope. Online bills are easy, but those unexpected paper bills like medical stuff were just to easy to ignore. How stupid of me to let 1 for only $20 go to collections!🤦🏽♀️
No more in 2024!
🙌❤️
Meal planning and budgeting has saved us a lot of money
Capsule grocery shopping….awesome tip. I was just thinking about getting tortillas and seeing this video was confirmation. I have been meal prepping and changing up my breakfast for next week. This no spend January has been really good for me.
It was meant to be! :) and YAY! Your No Spend has been going really well! This makes me so happy! Way to go!
I called our home security service and said needed to cancel. They asked why and I told them it was too costly. After a long sales speech to try and convince me to not cancel they offered to cut the monthly bill by HALF. 😊 i said okay.
Omg Joe, this is AWESOME 😎
❤❤❤
I have definitely slacked off on the Alcohol. I can buy a small bottle of wine and it will last 3 to 4 days
Nice!
I'm not renewing Amazon or CVS Carepass!! WHATTT!! yep.
After a great deal of thought and consideration, I decided that I will keep my "Self-care Saturday routine" in my budget. Except I will make sure I'm getting the best prices. I still get my hair done every other Saturday, but instead of spending $70 at the salon I go to a beauty school that still does a very good job for $40. I also deep condition at home the night before so I don't need to pay extra when I get there. I still go get my dip manicure and brow wax, but I called around and to many nail salons in my area and made an appointment at the salon that is the least expensive. I also have found I can go every 8-10 weeks to get my brows done since I can pluck here and there at home to keep them looking presentable. I also exfoliate my feet nightly in the bath so they stay soft and smooth and I'm not in urgent need for a pedicure. For me this is important and keeps me feeling my best. ❤
Homestead exemption on house taxes
Check out your state. Saved 2500 a year.
Did you know vets also get tax relief in Maine and other states
For the last couple of years, I have been tracking every penny on an Excel spreadsheet, just working on paying everything off to be debt-free. Tracking every penny sure shows you where you are overspending. Savings is not so good, do you have a suggestion for a good savings account a little challenging to get to?
Kate could you do a video on capsule meal ideas? I’m doing no spend January with all of you.
I will put this on my list ❤️ I’m so glad you are joining us for No Spend January🙏
Capsule foods almond milk, cereal, turkey meat, cat snacks, bread, veggies, eggs, turkey sausage
Gonna reduce my wine intake for sure this January, I have already started and am proud of me!
Proud of you too! Way to go!
This is certainly what I need to plan get on board with no spending. I am going to stick with paying with cash. I find for me that is a reality of what I can spend. Plus, i usually get gift cards for Xmas, so I will try to use them only for a weekly treat. Moderation is going to also be my focus and word for the year.
I definitely can shop in my own home...etc. Switch uo some stuff. Create a fresh new look. Will definitely cheer me up and save money.