Welcome to my no-spend month

keep-calm-and-don-t-spend-money

Hello Dear Reader,

It’s October and doesn’t it come round really quickly. Every year, I have a fiscal fast in October. I buy food from the supermarket which I cook at home and fuel for the car to get to work and that’s it. I don’t take any cash from the cash point and neither of us spend any money on anything except: direct debits for bills and household running costs, food,  and fuel until the 1st of November. Our autumn half term break is in October and we don’t spend any money then either. No charity shops, no ebay buys, no outlet purchases no matter how much of a bargain. Any sales that pop up in emails will be deleted unopened and our purses will stay firmly shut.

We’ve prepared with toiletries and cleaning materials for the month and there’s nothing we need that we don’t already have. We don’t eat out more than once in a very blue moon anyway and the same goes for a takeaway. I bought some new work shoes yesterday from Clarks online outlet so if you see me collecting them (click and collect doesn’t incur a delivery charge) from the local store, I’ve already confessed that all £28 of them (half price) was paid for on the last day of September.

You might wonder why we do this. When we were seriously in debt from 2009 –  2011, we lived like this every day. We stopped spending on anything but necessities completely until we were debt free and this month of non-spending realigns our priorities towards saving. Most weeks for us are non-spend weeks and our only expenses are food and fuel but we all have our downfalls. We love books and trawl charity shops for books and we’ve got plenty we haven’t read yet so we don’t need any more. I’m a quilter and have enough fabric for current projects and I aim to complete some unfinished projects this month. So, like anyone, I’m liable to spend money when I don’t need to and this month reminds me that I already have all I need.

Don’t feel any need to join in or tell me why you can’t join in as what you spend or don’t spend is entirely up to you. I will however share with you how I’ll manage this for the month. I must admit that I do most of them any way.

  1. Take tea bags and coffee to work everyday and make my own.
  2. Take my own lunch to work every day.
  3. If we go out, take a flask and packed lunch. We love a car picnic even if it’s wet and cold.
  4. Complete craft projects with resources we already have.
  5. Invite friends to share our food with us and accept invitations to share with them.
  6. Use up what we have: toiletries, fragrance, cleaning materials and long life food such as tins.
  7. Don’t go into any shops other than the supermarket for a month.
  8. Keep busy with the jobs that need doing at home.
  9. Long weekend walks on the moors or beaches at low tide.
  10. We moved any money we didn’t need when we were paid in September straight into savings so we didn’t have any money to spend other than food and fuel. We know the exact amount each month that goes out of direct debits, including standing orders to savings accounts so we always know the amount that can be spent. We moved that amount.

 

It won’t be easy, it never is! Sometimes, I forget and start to plan meeting up with friends and then have to rethink with a no-spend alternative such as a walk and then back to their place or my place for coffee and something homemade. Something will be needed and I’ll just have to grin and bear it until the end of the month.

So, he’s to a month of tight waddery, skin flintery and frugality. Let the annual no spend month commence.

Until tomorrow,

Love Froogs xxxx

 

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