by Hope
Kicking off 2025 with a no spend month. This will probably 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 12 months. It appears to be like like lots of people are scuffling with funds and subsequently doing their greatest to button down and make higher choices. 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” methodology, I do know my required spend for the month.
| Utilities | $280 |
|---|---|
| Mortgage (February) | $1,015 |
| Cell Telephone | $90 |
| Automobile Insurance coverage | $480 |
| Credit score Playing cards (min pymts) | $276 |
| Groceries (recent veggies & fruits) | $40 |
| Complete | $2,181 |
My purpose isn’t any deviation from this forecast for this month. No additional 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 cost due this month, I do wish to keep my 30 days forward on this cost.
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 will require me to deviate from my plan. I additionally put an additional $40 for pet food ought to or not it’s wanted.
A Quiet however Thrilling Month
Gymnast will go to Georgia this month. He will probably be spending every week right here. And the #1 purpose is to get the children’ automotive titles (Gymnast and Princess) transferred to them. (This go to is just purpose I anticipate needing fuel; in any other case, I’m not certain I would depart the home.) As I discussed final month, he has paid off his automotive mortgage in its entirety. He now owns his automotive free and clear. I’m so pleased with him.
Hope is a resourceful and solutions-driven enterprise supervisor who has spent almost 20 years serving to purchasers streamline their operations and develop their companies via undertaking administration, digital advertising, and tech experience. 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 willpower to regain monetary management and eradicate debt.
Dwelling in a comfortable small city in northeast Georgia together with her three canine, Hope cherishes the serenity of the mountains over the bustle of the seaside. Although her youngsters at the moment are discovering their footing on this planet—pursuing schooling, 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 dropped at her life and profession. By her writing, she continues to encourage others to confront their very own monetary challenges and try for a brighter future.
