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no spending

A successful no spend month

How in the world can you have a “Successful” no spend month? Doesn’t it sound horrible before you even get started? Here are some tips that will help! Promise!

no spend

  • Have a GOAL! Just like with anything in life-if you don’t know what you WANT out of it then there is no way to gauge if it was successful or not. Are you hoping to pay off a small debt? Maybe do some deep cleaning at home? Organize the garage? Whatever it is- know it and have it written DOWN! Put it in your phone to go off as a reminder. I HIGHLY recommend if you go that route have it set to go off several times over the weekend when it is temping to get off track.
  • Have a PLAN! What will you do to fill your time? Are you going to clean/organize/purge? Go for a hike and hit up the library? Put those on the list. When you are only spending necessary funds (household bills, gas for cars and groceries with NO extras in the cart) you’d better have some things planned. It is tough! And we are getting ready for another one in February. Hop on Pinterest to find ideas of free things to do. Call your library to get a list of events coming up. ALL you have to do is NOT spend money outside of the necessities. You can cash in those free drink coupons at Sonic and use those gift cards. You just CANNOT (under any circumstances) spend more than what the gift cards cover. The point is to accomplish a goal. It’s only 30 days! (or less if you pick February!) You CAN do it! Just know what you will do instead!It can be so rewarding and give you motivation to keep going but you HAVE to have a plan.
  • Recruit a friend to join in! Perhaps you have a close friend who might want to join. Or in our case, a couple who wants to try it with us. Make it fun! Together you can come up with a several ideas for goals and ideas of things to do instead of spending money. And let’s just face it-it provides accountability as well. You were NOT meant to do life alone so don’t do this alone!
  • Track your progress. If you survive the 30 days (which you will), wouldn’t it be nice to go back and read how it felt in the moment? We forget, don’t we? We forget the pain {big and small} but having a way to look back on it can be therapeutic and helpful for continuing to manage your finances! Blog it, journal it, put it in your phone. Just keep up with it! And celebrate! If your goal is to save $500 then have a dance party with every $100 you put aside!

You CAN do this!! And the fact that you read this tells me you are well on your way to a successful NO SPEND month! I’d love to share in your journey. Comment or email roxyrambles02@gmail.com.

Thanks for reading!

For Now,

Cara Roxanne

What I CAN buy while i’m on a break…

  1. glasses
  2. jeans (if I find them on sale. I have 2 pairs and none are hole-less)
  3. swimsuit
  4. work clothes (assuming I go back to work)

I need new glasses. AND I have already made this purchase. Mine were so old I could barely see out of them. {Could have been from all the scratches??}

I have no jeans that do not have holes in them. It’s sad, really. But I rarely wear jeans. However, if I find a good deal I am allowed to buy them!

IF I find a good deal on a few swimsuit (tops only) I can buy those. Mine are several years old and are wearing out. You don’t want to see me in a swimsuit, let a lone one that is ratty and old.

There’s a chance I am going back to work. (and this is a long story… thought I was going back to work, then I wasn’t. Then I got my hopes up on another job, fell throw. Yada yada.) If so, I will need some new work clothes if it’s still wintry/cold outside. I am good on summer work clothes but down south we have a lot less winter clothes… unless you work. And if you work, you tend to have a full 4 season wardrobe. But i’m so far out of the workforce that nothing I have is even from this decade. {exaggeration}

Okay that’s it. I do have the right to modify my own list assuming I can justify each item with logic, reasoning, and financial backing. 🙂

For now,

Roxy

The Year Without a Purcha$e- Book Review and Ramblings

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SUCH a good book! The author is so comical and makes this whole process worth reading! The story of him with his “violet” suitcase and his wife’s sock that needed sewing– priceless stories!

Obviously I picked up the book out of curiosity to see what this was all about. I have followed a blog previously where the blogger suggests having a “no-spend month” (which we have done before) but never have I read a book about not making purchases throughout the year! Worth picking up for sure.

AT THE LIBRARY OF COURSE… where it is FREE! {duh}

For those of you that are curious yet aren’t going to read the book, I will break it down for you. They have some specific rules to abide by.

If you can fix it, fix it. Learn to repair your own stuff! Don’t replace it if it can be fixed.

Avoid commercials and catalogs. Basically avoid anything that is going to cause you to want to spend money OR things that will cause you to feel sad because you cannot buy anything right now.

Only buy what can be used up. (food, drinks, gasoline)

Keep what you love and get rid of what you don’t. If you have so many items and you don’t LOVE them, get rid of them.

Pretty simple plan to follow… right? Wrong? I don’t know! I’m torn. The whole book was amazing and there were many good ideas for us to try within the book. The overall concept of this book is not so much to save money and spend less, but to appreciate what you have and to spend more time connecting with others instead of buying them things.

Could we do that? Not buy anything for a year? Why does that seems SO difficult? 

We don’t need clothes. (It’s a sad fact. We have 4 closets in our house that are completely full of clothes, each room has a dresser, nightstand that is full, plus we have bins of “out of season” clothes in the attic.)

We don’t need suitcases. (That may sound random to you, but we both travel a lot so that is a necessity for us)

We don’t need furniture. 

We don’t need a new gaming system, tv or dvd player. 

We don’t need new vehicles. 

We NEED nothing, yet the thought of saying “Sure, i’ll sign up on this project” makes me sick at my stomach.

This whole consumerism thing isn’t going to be fixed over night. We live in a society where we GET GET GET! And let’s face it, we BUY BUY BUY because we WANT WANT WANT! Every year around my birthday and Christmas I begin to dread the inevtible question that is coming… “What do you want for your birthday?” or “What do you want for Christmas?” Why do I dread this question? Someone is asking me what I WANT so they can BUY it for me! How awesome is that? Yet I dread this question because of this simple fact: When I want something, I buy it. There- I said it. Happy now? When I want something, I buy it. Therefore I can’t ever tell anyone what I WANT because there is nothing on my list because I ALREADY BOUGHT IT!

See my point?

Even those of us who work our budgets monthly, and follow Dave Ramsey’s plan like it is the Bible, are STILL human beings living in 2016 where we buy what we want. I can’t change society. I can’t change anything but my OWN buying habits. And I realize that I have spent the bulk of my life buying things that I don’t really want simply as a hobby. Now THAT I can change.

Not sure if I am ready to sign up on the no buying for a year, but I am ready to make changes. What about you?

“The reward for humility and fear of the Lord is riches and honor and life.” Proverbs 22:4

For now,

Roxy

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