Wednesday, January 1, 2014

No-Spend January: The Plan

Starting January 1st, 2014-- I'm done spending money.
Okay-- maybe not entirely. But guess who's got two thumbs, an insatiable wanderlust and her very first student loan repayment looming on the horizon? Ahh, this girl. In an effort to reset all of the indulgences of the holiday season, I thought January would be a great time for a reset. I'll be doing another 21 Day Sugar Detox to reign in this little sweet tooth I've developed, and a little bit of a wallet detox to reset my bank account. Plus, now that school is... um, done (what!), I've got a to-travel list a mile long, and the only way any of that is going to happen anytime soon is if I start pinching pennies yesterday. And so begins my first no-spend month! Still with me? Let's Q some As! 

How's this gonna work?
I'll still be paying all of my fixed expenses and living expenses of course, but nothing above & beyond. Any food purchased will be from the grocery store and cooked in my tiny but cute apartment kitchen. Which, let's be fair-- is much more fun anyways. I love love looove to cook, but have found myself grabbing a quick dinner out with friends or swinging through Chipotle on my way home much more frequently than necessary-- time to put the kibosh on that.  It's tough to eat out anyways since my celiac diagnosis, and add a sugar detox on top of that and I can almost guarantee I'll be eating better at home than I would be out & about anyways. 

So you're just gonna be a hermit?
If you know me-- you know this doesn't mean I'll just hole up in my apartment for the entire month of January. I'll be focusing on exploring the free, fun things to do in my lovely little hometown and using this time to focus more on spending time with my favorite people (and myself!) rather than spending money

What happens if you have a spend-y emergency?
Obviously, I'm accountable to only myself here. Which frankly makes it feel all the more important for me to be really committed. Purchases will be categorized into wants/needs. Ingredients for a delicious, nutritious, not-too-spendy dinner to be cooked at home? Need. Big ole' cuppa joe on my way to work? Want. Make it at home, Mary. Make. It. At. Home. 

Why do we care?
Well, you don't have to, I suppose. Don't worry, you won't hurt my feelings if you decide my adventures in banking are kinda boring (they are). But of course, because hello, it's me-- I'll still be writing about my progress and the things I'm discovering along the way.

Above all else, this is a practicing in simplifying. Taking out all that white noise from the background of my life-- that manifests in things like a $6 burrito bowl here and there or a $9 sweater on sale at target because nine dollars-- and reminding myself what remains in the space in between. I'm looking forward to seeing what happens next!


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