This year, I used 80% of my tax refund to pay off debt. Now, I know this isn't something everyone can do but this is the first time I've been able to do this. For the past two tax returns I've had to catch up on bills/ pay off debt that my ex-husband had accumulated. … Continue reading Intentional Spending.
Oh yes she is back at it. For April, I'm going to embark on another "No Spend Month" or NSM for short. Now a NSM doesn't mean I am not going to but NOTHING for a whole month. What it means is that I am going to be more intentional of my purchases and eliminate … Continue reading NSM: April 2022.
It's the time again where I do another no spend month. I like to do November usually because it sounds fun and cheesy; "NoSpendVember" Any who, My twins birthday is in November and I do set aside money for that. The point of a no spend month is to avoid unnecessary spending and to really … Continue reading No Spend [No]vember.
Since my first "no spend month," I've looked much deeper into my monthly spends and budget. A few of my hours at work were cut due to the company's budget earlier this year and I didn't know what would happened. I had less than a month to figure out how I was going to earn … Continue reading November “No Spend Month” Recap & Budget Planning for 2020.