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Describe Your Dream Life. I have a full blog post about what a no spend challenge all entails. Where do you travel? My apologies if you can here my son and husband at the end of the podcast episode. Get Your No Spend Guide Do you.. Feel that your spending absolutely out of control? document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); This site uses Akismet to reduce spam. A No Spend Challenge is a great way to reset your finances and reevaluate what you are spending TOO much money on! A No Spend Month is like a detox diet for your budget! In November of 2020, I totaled up all of the medical bills, our car payment that we added in June 2020, and some credit card debt that we added in order to prepare. You focus on all the good while cleaning out some of the junk so you can hit goals and change habits!Follow this link to get signed up for the No Spend September! Savings in case of an emergency. The Savvy Sagittarius No Spend Challenge - Facebook HOWEVER, I put all of the content in one document in a way that flows through preparation, the month itself, and after the month is over. What would be the hardest part for you? I knew when we started that it wouldnt be perfect. On today's episode, I break down 3 different methods to pay off debt. #nospendchallenge #nospendmonth #financiallyresponsiblegirlsummer, June money goals I am ready for you. It also looks a little different for everyone because everyones financial goals and situations are different. We also subscribed to diapers to help make sure we had them on hand and didnt need to run out just to grab them and in turn grabbing other things while we were just making a quick stop!. This is reflected in the clothing spending. If you missed the first blog post in this series, check out my No Spend Year Blog Post. This can include snacks, takeout, or whatever we want to spend it on. What would your budget look like if you didnt have any credit cards, student loans, car payments, and no mortgage/rent? Motivation Blog Post: https://thesavvysagittarius.com/stay-on-budget-motivation/Support this podcast by donating on Ko-Fi: https://ko-fi.com/thesavvysagittariusListen to this podcast with captions on YouTube: https://www.youtube.com/channel/UCkL1MR7Kj7xEzXGUzv26ZHQShop my Amazon Storefront: www.amazon.com/shop/thesavvysagittarius. New home improvement projects until we are debt free, The Ultimate Guide to Selling on Facebook Marketplace. Lately, I have been seeing a ton of posts about how millennials are behind compared to where other generations were when they were our age, but I don't believe that is 100% true. On today's episode, I break down 3 different methods to pay off debt. Discount Code PODCAST3 for $3 off any workbook in my store! I also give a few tips to help speed up your debt pay off journey! If you had one full week off, what would it look like? On today's episode, I break down 3 different methods to pay off debt. What will hinder me?MealsPantry ChallengeYour I didnt Buy ListWhat to do instead? (Must sell or donate/used rule applies. #debtfreecommunity #budgettiktok #budgettok. https://thesavvysagittarius.com/the-ultimate-guide-to-no-spend-month/You can download the free mini budget workbook here: https://thesavvysagittarius.com/mini-workbook/Or Check out the full version of the workbook here: https://thesavvysagittarius.com/the-savvy-budget-workbook/All transcriptions/captions available for podcast episodes on youtube channel: https://www.youtube.com/channel/UCkL1MR7Kj7xEzXGUzv26ZHQ/There is a new podcast episode every Monday at 8 AM CST! The goal is to not spend any money what so ever, but instead to be more intentional about the things we do need and where we are purchasing from. Some people have a lump emergency fund for car or house things, medical or pet emergencies, or job loss. 14 posts. We have been making a list of the things that we bring up that we should buy. Making it your best month of paying off debt that you have had so far. I have taken all of the tips and tricks that I have been sharing on social media and on my blog for YEARS about No Spend Months and created a guide out of them. After starting my own financial journey, I found that I thrived from helping people on their own money journey. Videos. Includes a Free Printable 14 additional money saving challenges Facebook Group for advice Weekly Encouragement Whether your goal is to put money into savings or pay off a few of your debts, this challenge is a great way to get your holiday budget ready! 9 posts. The Savvy Sagittarius: Empowering Millennial To Win With Money on Apple Podcasts After starting my own financial journey, I found that I thrived from helping people on their own money journey. For just the price of your coffee, you can get ALL of the tips that have helped me pay off over $53,000 of debt in the last 5 years. synonyms Some people use sinking funds for house, medical and pet, and their emergency fund is really to only be touched for job loss or extreme emergency. My name is Elyse! I felt like there was so much tension with my partner about the amount of TIME I was putting in and the LACK of money that was hitting our accounts. (in that order), We are allowed to get baby stuff as Carter grows. I started thinking about things that I hadn't thought about purchasing in forever. I have a full blog post about what a no spend challenge all entails. Learn how your comment data is processed. We arent striving for perfection, but more just a goal of being intentional. Copyright 2023 Apple Inc. All rights reserved. Ultimately, anything in the budget doesnt count as breaking the challenge. What would your budget look like if you didnt have any credit cards, student loans, car payments, and no mortgage/rent?You can download the free mini budget workbook here: https://thesavvysagittarius.com/mini-workbook/Or Check out the full version of the workbook here: https://thesavvysagittarius.com/the-savvy-budget-workbook/All transcriptions/captions available for podcast episodes on youtube channel: https://www.youtube.com/channel/UCkL1MR7Kj7xEzXGUzv26ZHQ/There is a new podcast episode every Monday at 8 AM CST! Today's podcast episode dives into some money saving tips that you can take to getting closer to your goals. 30 Date Ideas For I dont Know, What do you want to do?, 10 Steps to Start Chasing Your Money Goals. Thank you! If you would like to read more about how this works, check out my Disclosure Policy! Take your dream life and figure out EXACTLY what you need to accomplish to get there. Being in debt doesnt have to be the norm. You can download the free mini budget workbook here: https://thesavvysagittarius.com/mini-workbook/Or Check out the full version of the workbook here: https://thesavvysagittarius.com/the-savvy-budget-workbook/All transcriptions/captions available for podcast episodes on youtube channel: https://www.youtube.com/channel/UCkL1MR7Kj7xEzXGUzv26ZHQ/There is a new podcast episode every Monday at 8 AM CST! There was no way that I could get one month ahead. I am mostly staying at home with our son, But I do have some income from my store and a few other side hustles. It has definitely helped us stress less. If I sell something, I am allowed to buy something similar (clothes.. sell clothes to get clothes. During this challenge, I have started to keep a list of all of the things that I thought about purchasing. I remember trying to set up a budget. Some people choose a day, a week, a month, but we are choosing a year. I am very excited to see if we can keep up the progress as a family all year and see how we do with it! All rights reserved. A no spend year does not mean you are not paying your bills or ever buying groceries. Some people have a lump emergency fund for car or house things, medical or pet emergencies, or job loss. She didnt have one for me to keep, but she let me borrow hers until I found one. No Spend Year: Our Focus on Intentional Spending and Living On Less Totally something I would have done when I was single. One of the biggest things I have noticed is that we communicated about money a lot better since we are not spending extra money. We spent about $70 total to get the phones and cases. All of my tips and tricks in one PDF for saving money and crush your first No Spend Month! Pick a time, place, and routine and see your budget work for you! I have been using No Spend Months for the last 6 years to focus in on my spending for a month. learn more. $239 spent! January: No Spend Year - The Savvy Sagittarius Budgeting 3808. I am back with season two after an unplanned break in the podcast while I did some soul searching.I have a lot of thoughts on hustle culture and today I dive into a few of those thoughts. Pick a time, place, and routine and see your budget work for you! Here is 25+ Tips on how to cut your food spending blog post: https://thesavvysagittarius.com/food-savings/You can download the free mini budget workbook here: https://thesavvysagittarius.com/mini-workbook/Or Check out the full version of the workbook here: https://thesavvysagittarius.com/the-savvy-budget-workbook/Discount Code PODCAST3 for $3 off any workbook in my store!All transcriptions/captions available for podcast episodes on youtube channel: https://www.youtube.com/channel/UCkL1MR7Kj7xEzXGUzv26ZHQ/There is a new podcast episode every Monday at 8 AM CST! How in the world did I work that hard to get out of debt, to turn around and get back in. Creating a plan to pay off debt can be very overwhelming if you don't know where to start! My bills will be paid. Our Bills (Mortgage, internet, insurance, utilities): $1760 a month, Spending (Groceries, date nights, gasoline): $575 a month, Minimum Debt Payments: $530 a month (Goal: $800-$1000 a month), Pay off our debt and build our emergency fund. What is the difference between hustle culture and determination? Savior, No Saving | Gully Boys No splurging on new clothes. Savior, No Saving by Gully Boys, released 12 August 2018 I feel how you feel And I see how you see I told you not to save me (x2) Cause I never was on my knees I feel how you feel And I see how you see Surveil me like your novice My last word will scramble your guts I told you not to save me (x2) Cause I never was on my knees I never was on my knees (x2) Things like car expenses, medical expenses, hygiene products, diapers, groceries, and gasoline are the given basics for us. . It has been a while since I have recorded a podcast, because I really haven't been feeling very inspired to. Creating a plan to pay off debt can be very overwhelming if you don't know where to start! I couldnt figure out what the disconnect was. No Spend E Guide Sales Page - The Savvy Sagittarius Budgeting New Years Eve, right before our challenge started. But now I have a growing family and a home, so I had to modify the rules just a little bit. I dont think I have ever thought about how I needed one until that point. Our last spend day was a new dishwasher. New Year's Eve, right before our challenge started. My best one yet was $2,450 towards debt in one month thanks to just not spending money in October of 2018. After starting my own financial journey, I found that I thrived from helping people on their own money journey. Bullying of any kind isn't allowed, and degrading comments about things like race, religion, culture, sexual . Listen to No Spend Challenge Your Way To Success!, an episode of The Savvy Sagittarius: Empowering Millennial To Win With Money, easily on Podbay - the best podcast player on the web. I was 22 years old, a full time bartender, and every night I would bring home the cash with no plan in sight. Instead of running to the store to buy new things, the habit of looking for them in other places. I have been writing down the date, the item. A No Spend Month is like a detox diet for your budget! This is included in the baby category along with diapers. Even if you dont do a full No Spend Month, you can take some of these tips and apply them to your own budget to save tons of money. What do you do with your days? Copyright 2023 The Savvy Sagittarius Budgeting. No Spend Challenges have been one of the keys to my success! #financiallyresponsiblegirlsummer #debtfreecommunity #debtfree2023, I dont want a normal life I want something so much more. I recently learned about the Libby app! It has been a while since I have recorded a podcast, because I really haven't been feeling very inspired to. When I was able to pay myself, it wasnt in the vacations and fun that I had imagined when starting a business. The Libby app (not sponsored) is a free app that you can link your library card to and access your local librarys e-book collection. Things You Need For #FinanciallyResponsibleGirlSummer. We are starting the year with a 5 month old, so clearly there will be things that will be needed as the year goes on. ), If we do need something, check buy nothing, then Facebook Marketplace, then thrift stores, then small businesses. Savings in case of an emergency. using a No Spend Month! To understand why, it might be helpful to look back at my financial journey. I paid off $36,500 in debt, blogged about it along the way, and I am excited to share motivational stories, action steps, and money saving tips that will help you take charge of your finances and win big with money! ", DOWNLOAD YOUR FREE MINI BUDGET WORKBOOK: https://thesavvysagittarius.com/mini-workbook/, "In order to achieve your dream life, you can't keep doing what you are doing today.". We talked a lot about figuring out what expenses you have on Episode 6, so now where do you go from there? We also each have $30 in personal spending money. Debt free in 2023 #debtfreecommunity #debtfree, 32 Pages of step by step analyzing your spending and figuring out your money. No Spend Instructions. We sat down and created a mini-guide for how we wanted the year to go. Simply enjoying the things that you already have at home instead of buying something new! Some people use sinking funds for house, medical and pet, and their emergency fund is really to only be touched for job loss or extreme emergency.Remember, emergency funds are very personal based on your goals, but they will change the way you can operate with confidence in your finances. Your email address will not be published. I then asked my mom and she had an extra one that I was able to take home! Copyright 2023 The Savvy Sagittarius Budgeting. This is one way that bloggers make money, but it is at absolutely no extra cost to you if you choose to make a purchase based on my suggestions! Need money to cover an emergency or something unexpected? On today's episode, I break down 3 different methods to pay off debt. So I sent my sister in law a message because she is an avid follower of my blog and our journey. I dont write down things that we likely wont eat or that take a lot of prep work because I know that with a 6 month old little boy, neither of us want to spend a ton of time in the kitchen. There is a new podcast episode every Monday at 8 AM CST! Good luck! But essentially I listed our rules below. Plan to Pay Off Debt! Some people choose a day, a week, a month, but we are choosing a year. I was tired of not having a functioning phone. I have noticed that I am a lot more intentional with the meals that I put on our meal plan. My best one yet was $2,450 towards debt in one month thanks to just not spending money in October of 2018. A 3 hole punch was at the top of my list. A No Spend Month is like a detox diet for your budget! It has been a while since I have recorded a podcast, because I really haven't been feeling very inspired to. We went through and made a list of all of the meals that we ever eat. Copyright 2023 The Savvy Sagittarius Budgeting. Savings in case of an emergency. Disclaimer: This website contains affiliate links. The Savvy Sagittarius: Millennial on her Debt Free Journey #nospendmonth #nospendchallenge #financiallyresponsiblegirlsummer, What are your June Goals?!? But then I think to all of the lives and stories that I have helped in the last 5 years. learn more, Unified accounting and stats across all your artists, a single fulfillment interface for all your merch, direct payments on a per-release basis, and a whole lot more. My goal in the last few weeks of 2020 was to not go out and buy a bunch of things to stock up before starting our challenge. But then I think to all of the lives and stories that I have helped in the last 5 years. I read A Year of Less a few years ago and LOVED it! Save this Pin for Later. Replying to @Yna Amores my list of essentials for #financiallyresponsiblegirlsummer. Then I left a blank space for if we do get the item and how we got it. An amount. I am using The Savvy Business Budget Workbook to get a lot better about my business budget! One main reason is because it isnt realistic to say that you arent going to spend a single extra dollar for a year. I saved a TOON of money!! A No Spend Month is like a detox diet for your budget! What are your hobbies? No Spend Challenges have been one of the keys to my success! How do you cut back on your expenses and hit your money goals? A no spend year is such an amazing concept and even though I found it too stressful (I tend to spend when Im stressed), I did do the clothing ban/reshaped my thoughts on clothes buying after reading it. In the nooks and crannies of motherhood. I talk about lowering expenses in an achievable way and setting goals for the next month! https://thesavvysagittarius.com/the-ultimate-guide-to-no-spend-month/You can download the free mini budget workbook here: https://thesavvysagittarius.com/mini-workbook/Or Check out the full version of the workbook here: https://thesavvysagittarius.com/the-savvy-budget-workbook/All transcriptions/captions available for podcast episodes on youtube channel: https://www.youtube.com/channel/UCkL1MR7Kj7xEzXGUzv26ZHQ/There is a new podcast episode every Monday at 8 AM CST! Is it Hustle Culture or Is it Grit and Determination? This is in the miscellaneous unbudgeted category of our spending.

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