by Hope
Kicking off 2025 with a no spend month. This will likely be my first no spend month since being an empty nester. Evidently, I did a no spend January again in 2019. (See right here: No Spend January – 2019 and Replace on No Spend January – 2019.)
I’ve been fascinated by a slew of TikTok movies touting a no spend 2025…a yr. It appears like lots of people are battling funds and subsequently doing their greatest to button down and make higher selections. Most all have recognized their very own guidelines. And their very own rewards for sticking to it. I like this on so many ranges.
However I do know higher than to chunk off greater than I can chew. So I’m sticking with my No Spend Month of January for now.
The Guidelines
Due to my “forecast” technique, I do know my required spend for the month.
| Utilities | $280 |
|---|---|
| Mortgage (February) | $1,015 |
| Cell Cellphone | $90 |
| Automotive Insurance coverage | $480 |
| Credit score Playing cards (min pymts) | $276 |
| Groceries (recent veggies & fruits) | $40 |
| Whole | $2,181 |
My purpose isn’t any deviation from this forecast for this month. No further spending cash, no consuming out, and no leisure.
Mortgage
My mortgage for January is already paid. I’ve been paying a month forward and each month. So whereas I technically don’t have a mortgage fee due this month, I do wish to keep my 30 days forward on this fee.
Groceries
I’ve given myself $10 per week for recent veggies and fruits if wanted. However I’m hoping I don’t want it. I’ve meal deliberate for the month. And don’t anticipate a lot exercise that may require me to deviate from my plan. I additionally put an additional $40 for pet food ought to it’s wanted.
A Quiet however Thrilling Month
Gymnast will go to Georgia this month. He will likely be spending every week right here. And the #1 purpose is to get the children’ automobile titles (Gymnast and Princess) transferred to them. (This go to is just motive I anticipate needing fuel; in any other case, I’m not positive I would go away the home.) As I discussed final month, he has paid off his automobile mortgage in its entirety. He now owns his automobile free and clear. I’m so happy with him.
Hope is a resourceful and solutions-driven enterprise supervisor who has spent almost twenty years serving to purchasers streamline their operations and develop their companies by means of undertaking administration, digital advertising and marketing, and tech experience. Just lately transitioning from her position as a single mother of 5 foster/adoptive youngsters to an empty nester, Hope is navigating the emotional and sensible challenges of redefining her life whereas sustaining her dedication to regain monetary management and remove debt.
Residing in a comfortable small city in northeast Georgia together with her three canines, Hope cherishes the serenity of the mountains over the bustle of the seashore. Although her youngsters are actually discovering their footing on the earth—pursuing training, careers, and independence—she stays deeply dedicated to supporting them on this subsequent chapter, whilst she faces the bittersweet tug of letting go.
Since becoming a member of the Running a blog Away Debt neighborhood in 2015, Hope has candidly shared her journey of economic ups and downs. Now, with a renewed focus and a transparent path forward, she’s able to sort out her funds with the identical ardour and perseverance that she’s delivered to her life and profession. Via her writing, she continues to encourage others to confront their very own monetary challenges and try for a brighter future.
