Since No Spend September is over I want to give myself another challenge. I want to have 10 no spend days in the month of October. I mean real no spend days: no bills, no gas, no grocery shopping, nothing.

This is more than doable, but it will definitely take some planning. I’m going to print out a blank calendar for October and then put my bill due dates on it. Then I will try to make needed purchases on those days, much like the idea of combining trips when you are trying to save gas, I’m going to try to combine my spending days so I can have no spend days. I think having no spend days, or trying to combine my spend days, will help me to spend less. I have always liked the idea of a good challenge. Plus, trying to have no spend days and combine shopping days will automatically use the “wait” rule. Although I think I have tamed the Amazon habit, this will be another way to help curb impulse buys.

The only thing I won’t count as spending money is sending payments to our credit card debt. I make a credit card payment with every paycheck and any time we get extra money. Working to payoff our debt will not be counted as spending money.

Challenges that help us save money, payoff debt, or curb impulse buys are all ways to help us get on better financial footing. We do have a huge credit card debt, but other than that our financial forecast looks good. But the debt we have is keeping us from meeting our full financial potential. I read on a blog once a long time ago that paying off debt is paying for your past and I don’t want to do that anymore!

I think 10 no spend days in a month is more than doable and a fun way to not spend money. I like challenges because I like "winning". Hopefully it's going to be a good month!