No-Spend Year Challenge: That Time I Tried Not Spending Any Money for a Year

Have you ever done a no-spend year challenge?

I did. It didn’t work out exactly how I intended, but I learned so much from the experience, and it helped me save a lot of money, both during the challenge and beyond. 

Discover how to embark upon your own no-spend year, and see what we learned from the challenge!

What a No-Spend Year Means

In a no-spend year, you cut out all unnecessary spending for the entire year. My primary goal for this challenging feat was to pay off my debt and increase my savings. However, others attempt no-spend years for different reasons, like resetting priorities, overcoming budgetary challenges, or increasing assets. 

You’re reasons for embarking on the challenge are your own, but the ultimate goal of reducing overall spending by cutting out anything that isn’t essential remains the same. 

Things To Spend Money on During a No-Spend Challenge

It’s not feasible to spend zero dollars for an entire year. Most of us still have to pay to live, either via a rent or mortgage payment, need utilities, and of course, we have to eat. 

When undertaking any no-spend challenge, you must set ground rules on what types of spending are reasonable and which to avoid. The longer your challenge, the better your plan needs to be. 

It’s easy to go a week without any discretionary spending, but if you’re attempting a no-spend month, it’s a lot harder. Going an entire year may seem impossible. 

If you’re attempting a no-spend month or year, you should define what you can spend money on. Of course, you need to pay the bills, but when it’s a lengthy challenge, you may want to give yourself a break now and again and account for pre-planned events. 

Here’s how we determined our guidelines for the no-spend year challenge we attempted in 2019. 

Mandatory Spending

We’ve all got bills to pay. We need to pay our taxes, utilities, gas, and food. This mandatory spending category covers all of those monthly bills.

Here is an example of mandatory spending for a month:

Property Taxes	150
Home insurance	100
Mortgage	1200
House Maintenance	200
Car Payment	300
Groceries	800
Car Insurance	150
Phones	300
Utilities	300
Total Monthly Bills	3500

 

 We’re automatically spending $3500 a month during our no-spend year challenge. But we need to live, so we won’t count this as “spending money” during our no-spend year challenge. 

Vacations

I planned two trips before I ever thought about embarking upon a no-spend challenge, and although vacations are costly, I decided to keep them. 

Despite our no-spend year challenge, we still wanted to go to Los Angeles to visit my friends and to Savannah to visit his family. On the plus side, we chose cheap destinations with free lodging, so we wouldn’t need to spend as much money. 

Personal relationships are crucial to a happy life, and I’m happy spending a little money to cultivate them. There’s no point in a no-spend challenge if we lose sight of why we’re saving. 

Fun

Can you imagine not having any fun for an entire year? 

I could avoid a “fun” budget for a month or two, but it seems impossible for 12. However, I don’t want to spend too much money on good times – this is the biggest category of discretionary spending, and the entire point of embarking on the journey is cutting back. 

So how do we find balance?

When crafting your no-spend plan, find ways to have cheap or free fun. I love gaming and wanted to stream to make extra money, so I allowed myself to buy four new games during the year. That’s not a lot for an active gamer, but a good compromise to limit spending for the year. 

I also allowed four day trips during the year, allowing us to get out of the house and explore the world. We made it cheaper by packing lunches and choosing free locations, but we still had to pay extra for gas. 

Eating Out

It’s impossible not to eat out for an entire year. Therefore, we built an eating-out allowance into our no-spend year plan.

I know that’s technically not following the essence of a no-spend challenge, but when attempting this challenge long-term, you need to make allowances.

What We Can’t Spend Money During Our No-Spend Year Challenge

Travel

Travel is one of my biggest budget busters. I’ve been on at least one international trip every year for the past five years. I’ve spent close to ten thousand dollars a year on travel.

I love to travel to explore new cities, foods, and cultures, so this limitation will be hard on me. But it will be worth it to ensure that I’ll have the opportunity to travel even more in the years to come.

Shopping

Most of our unnecessary spending has been on frivolous stuff we find at malls, so we aren’t allowed to buy any new clothes, shoes, or toys. 

If we want to succeed in this no-spend year and achieve our budget goals, we need to totally eliminate this type of spending.

Eating out

Yes, we are giving ourselves a little leeway here, but for the most part, our no-spend year includes no eating out. 

That means bag lunches, dinners at home, and learning how to cook. 

Going Out

I’m a homebody, so this is way easier for me. But the BF loves going out to bars for tasty adult beverages. This is a huge budget buster! One tasty adult beverage costs almost eight bucks, and who (other than me) has just one? 

One night on the town can easily cost over fifty dollars, which is unnecessary.

We are also going to severely limit other types of going out. Movies, bowling, mini-golf, arcades, coffee shops, malls, and anything else entertaining are all on the no-no list. 

We may do one or two of these things this year, but they will be few and far between. Instead, we will have free fun at parks, on hiking trails, and at home.

Lessons Learned from the No-Spend Year Challenge

You’ll find a month-by-month highlight reel of how it went below, but first, we’ll explore the lessons learned. 

I realize how naive and idealistic it was to say I wouldn’t spend any money frivolously for an entire year. 

However, attempting the challenge taught me a lot about myself, my budget, and life in general, so I’m thrilled that I did it and proud of myself for seeing it through for the whole year (though there were quite a few lapses throughout the year.

Everybody Needs to be on Board

The first big lesson I learned from attempting my no-spend year challenge is that everyone in the household needs to be on board. I started the year in a relationship, and I realized that he wasn’t interested in not spending money about midway through. 

He only agreed as a manipulation tactic to make it seem like we were on the same page.  The no-spend challenge was a catalyst that led to the relationship ending.

In the grand scheme of things, that was one of the best things that could have happened. Engaging in the no-spend challenge showed me his true colors. If I wouldn’t freely give him money to spend, he’d just steal it from me or trick me into buying it (mixing a gift card in with the groceries and grabbing the receipt so I wouldn’t notice, for example).  Discovering that he was a terrible person was a great lesson, and I’m glad the challenge helped me learn it. 

But even if it didn’t turn out that he was an awful person, I learned that everyone needs to be on board.  You need a partner who will be honest about your feelings. Sometimes, it’s easier to go along with what your partner wants because you don’t want to argue or have problems expressing your own needs. 

These patterns can lead to resentment. It’s better to have honest discussions about both your expectations and desires.

It’s Easy to Not Spend on Things You Normally Don’t Buy

I’m not a shopper. I don’t like to go to the mall and buy new clothes. It’s just not my thing. I wear a uniform to work and pajamas at home. On the rare occasions that I go out, I usually wear jeans and a casual top.

Not spending money on clothing was the easiest part of this challenge. I didn’t buy anything all year. But, if I think about it, was that much of a challenge? I usually shop for clothing once a year, and this year, I skipped it. Should I be super proud of that? I don’t think so.

I’m prouder that I hardly bought any new books and (almost) stuck to my two meals out per month. Those are the things I tend to splurge on. Although I didn’t meet my goals every month, I know that being mindful of the challenge helped.

Being Accountable Helps

One of the biggest reasons I was successful during this challenge was that I knew I’d have to write about my failures. Was going out to eat every day that week worth telling my readers that I couldn’t keep it together three days in a row? It wasn’t for me, and let me tell you, that’s a fantastic motivator. 

Not everyone is a blogger, but everyone has someone or something they can be accountable to, whether it’s an accountability buddy, your partner, or even a diary. Whatever it is, that accountability can help you achieve your goals. 

Cooking isn’t That Hard

One of my biggest concerns in starting the challenge was that I’d have to eat at home. Unfortunately, I was a terrible cook. To mitigate that, I bought a meal-planning bundle filled with recipes, meal plans, and kitchen help.

As it turned out, I could follow a recipe. I learned how to cook!

I also learned that meal planning isn’t all that difficult. Look at the ingredients you have, decide what you’re going to make for the week, and buy the rest of the stuff you need. 

It might seem like common sense for those of you who have been adulting for quite some time, but it was an epiphany for people like me who struggled in the kitchen. My no-spend challenge made me a better cook and better at meal planning.

Not Spending Money Turns into Habit

The best lesson I learned from my no-spend year challenge is how easy it is to turn not spending money into a habit. Sure, I had a few failures over the year, but now that it’s January and I can freely spend again, I don’t want to.

It’s easy to run to McDonald’s when we are out, but it’s easy to run home and have a sandwich. It’s easy to order a pizza, but it’s just as easy to stick the frozen one into the oven. Shopping can be a fun, relaxing activity, but window shopping does the same, and you don’t have to spend anything. 

Hopefully, I’ll maintain these newfound habits for the next few years.

Not Taking a Vacation Sucks

I’ve gone someplace extraordinary every year for the past seven or so years (sometimes multiple times per year!). Giving that up this year was tough. My only vacations this year were short weekend trips. I did LA twice and Savannah once (but that was part of moving – I had to pick up my dogs!), New York and DC for Fincon.

That probably seems like a lot, but I’m used to taking a week or two and going to a different country. Traveling is one of my biggest passions, and it wasn’t easy to give that up. 

It makes me wonder what I’m doing all this for if I can’t do what I love.

Doing Another No-Spend Challenge

Although I learned many lessons from my no-spend year, I doubt I will attempt it again. I might try smaller periods with stricter rules. For example, I might attempt a no-spend month where I’m not allowed any dinners out or a no-spend week where I can’t even shop for groceries.

I definitely won’t try doing a whole year again. It was fun. I learned a lot and probably saved tons of money, but a year is such a long time. It’s hard to stay conscientious that long.

However, I’m glad I did it. I challenged myself and learned a lot about what my spending priorities are. I may have failed the overall challenge, but I’m grateful for the experience.

No Spend Year Challenge – How It Went

We kept track during our no-spend year challenge to see how we did. Here are the highlights from each month of the challenge!

Keep in mind that we completed this challenge in 2019. At the time, we wrote a separate blog post for each month, but now that it’s years past the challenge, it felt right to consolidate them all into one post.

No Spend January

Two words sum up our experience with a no-spend January: Failed It!

January was a rough month, and we spent way too much money. Trying a no-spend month in the middle of a huge move and renovation was a little ambitious, but we will keep trying for the rest of the year. Here’s how we messed up our no-spend January:

Vet Bills

First, we had a medical emergency for our cat that we were not prepared for. There were gobs of blood in her stool. That’s not something I’m just going to let go, so off to the vet we went! 

Nearly $800 later, we discovered there was nothing seriously wrong with her. The vet ran all the tests and decided that the blood was caused by parasites or stress. He sent us off with a dewormer for both her and our other cat, and we haven’t seen any blood since.

Though I wasn’t ready to spend eight hundred dollars at the vet, it’s something I’d do again in a heartbeat. My cats are a part of the family, and I’ll always prioritize their proper care, even if it gets expensive. I don’t consider a medical emergency a fail, but it did prevent us from achieving some of our goals.

Eating Out

Our biggest failure in January was eating out. I know I said that I wanted to limit my eating out to twice a month, but that just wasn’t feasible this month. We moved into the new house, but our kitchen isn’t ready.

I still need to clean the fridge and a few more cabinets before I feel comfortable storing food, and I need to get my pots and pans before I’ll be able to cook anything. Our home goods are set to arrive in February.

DIY

Our most considerable expense in January was our DIY and renovation stuff. We knew we would be spending a lot of money on these projects, especially when we first moved into the house (hence the need for a no-spend challenge!). We spent about three thousand dollars at Lowes during our first weekend, but we got everything we needed for the first stages of renovation. 

Our mistake on the renovation side was thinking that we could install the floor ourselves.  As it turns out, we could not.

We ended up paying a contractor a little over a thousand dollars to complete the floor after we failed at it (and it took him over four days. We were clearly in over our heads). We budgeted for the materials but not the contractor. However, it was worthwhile to ensure that the living room floors were done correctly.

No Spend February

We spent way less in our no-spend February than we did in January. A big part of that was not paying vet bills and having a functional kitchen, but hey, a win is a win, right?

We weren’t perfect this month, though, spending a bit unnecessarily.

Eating Out

I said we did better at not eating out, not that we were perfect. We ate out a few too many times in February. Our goal was to limit dining out to twice per month, but we had six dinners out in February. Most were at the beginning of the month before we had a fully functional kitchen. You can only eat so many TV dinners before they start making you sick!

I also failed twice at bringing my lunch to work. This usually isn’t hard for me, but I was at a conference for two days, and although I could have packed a lunch, I would have missed out on some networking opportunities with colleagues. Sometimes, that is more important than being frugal.

Savannah Trip

Our most considerable expense in February was a weekend trip to Savannah. This wasn’t just a fun weekend getaway visit. We had to go pick up our babies! We left the pets in Savannah while settling in Pennsylvania, and getting them back was a top priority.

We also used the trip as an opportunity to see some friends and family, so we spent a little extra money on a get-together. I never regret spending money to catch up with old friends. Relationships are one of the most essential parts of life, and while there are less expensive ways to get together, sometimes convenience has to win out.

The most expensive part of the Savannah trip was gas. I spent about $200 in gas driving to and from Savannah.                                               

No Spend March

I’m starting to get used to this “no-spend” idea. My no-spend March seemed so much more straightforward than the first two months. 

Was it just because I’ve finally settled into the new house, or because I’m getting used to staying in and not spending money?

Eating Out

I did so much better about not eating out in March! We only had one dinner out the entire month. I bought lunch at work twice – once because I was on the road and another because I owed my group (we meet every few weeks and rotate who buys -it was my turn).

Eating at home is easier when you have delicious foods to cook. The healthy meal plan bundle has helped me expand my culinary prowess. My favorite meal is Korean beef (it’s so good and easy to make!), but everything I’ve tried to make has been fantastic. 

Impulse Buy

I know I built up this terrible impulse buy during this post, but it wasn’t that bad. I spent fifty dollars at Staples. I bought a bunch of post-it notes to help me stay organized, two journals, and two books. 

No Spend March Summarized

While we still haven’t perfected the concept of “no spend,” we are doing better with each passing month.  Maybe we will have figured it out by December! But despite our minor failures, this challenge has been great for us financially and emotionally.

Holding myself accountable for not spending money makes me question whether I need something or not. Do I need to go out to eat today, or can I cook delicious food at home? Do I need to go to Target? I probably don’t need anything from there (and it helps that the closest one is now 45 minutes away!).

This challenge has helped me be more disciplined in my spending, and even if I don’t succeed every month, I count that as a win.

No Spend April

We started the month on a good note. We took a trip to Washington, DC, to see the Cherry Blossoms, but I mentioned budgeting for short weekend trips in my original post, and we made it as cheap as possible by making it a day trip (a long, long day trip!).

We had an extra date night at the beginning of the month – we were supposed to stick to eating out twice a month, and we ate out twice in the first two weeks. We also had a concert planned for the 19th (which was spectacular, by the way!), which was going to be a third date night.  It’s hard to say no to a night out when we hardly ever have a night off together.

Spend All the Money, April!

April didn’t start badly, and we didn’t spend needlessly. We didn’t buy any new clothes, video games, or anything else unnecessary.

But unfortunately, life doesn’t always like to let you not spend money. We had two insane expenses pop up simultaneously, which completely derailed all the good we were trying to do.

My Baby

The first significant expense was my cat. He had an accident that resulted in a broken leg.  The horrible situation cost over four thousand dollars. Pets are expensive, but they are family.

A side effect of his vet visits and my being stressed out beyond belief is that our no eating out rule got thrown out the window. It got thrown off the freaking planet!

It was fast food life for me for those first five days. I was driving to a vet for the first three days and so worried about him that I couldn’t concentrate on cooking and even forgot to make myself lunch.

We probably spent another hundred or so bucks on stupid fast food that week. I guess that’s a drop in the hat compared to the four grand we spent on his leg, but it wasn’t exactly needed.

My Car

The other thousand dollars came in an insurance deductible for the car. We got into a small accident, but unfortunately, there was a lot of damage to the undercarriage. Our deductible is $1000, so we had to pay that right away to get the car fixed. 

The total damage on the vehicle is over three thousand dollars, though, so I’m glad we have the insurance to cover most of it.

Life Happens

Most of the over five thousand dollars we spent during our no-spend April was unanticipated emergency spending. Life happens. It sucks, but it is what it is. Sometimes, the punches come all at once, and we have to take them and roll through.

I am thankful that I’m in the financial position to handle these insane expenses. I can pay for my cat’s emergency without worrying about how I will put food on the table. I can pay to get my car fixed without worrying about not having gas money.

It sucks, and I hate that I’m out so much money so quickly, but being able to handle an emergency is one of my main reasons for pursuing financial independence. I would never want to be in a position where I couldn’t save my cat. He’s my life.

No Spend May

There were only a few things that I went a little overboard on during my no-spend May. I spent a tiny bit too much at work, and I spent way too much on a trip (that I desperately needed!).

Work Expenses

The only thing I spent unnecessary money on this month was work lunches -and they weren’t really for me. The beginning of the month was super stressful for my staff, so I decided to throw them an impromptu pizza party.

It was expensive but worth it to show my team that they are appreciated. I also took one of my employees who had gotten a better position out for lunch on her last day.

It could easily be argued that both expenditures were utterly unnecessary and stupid. I didn’t have to buy my team pizza, and I didn’t have to show my appreciation for someone’s hard work by taking them to lunch.

But I want to be a good supervisor. I want my employees to know that I care and that I appreciate all of their work. Sometimes, that might require me to spend a bit of money, and I’m ok with that. It’s worth it to make people feel appreciated, and I’d do it again in a heartbeat.

Travel

Ok, this one is bad. I spent over $400 on a trip to Los Angeles. It was last minute and more expensive than I wanted, but I desperately needed this. I’m going to go hang out with my best friends and my sister. A change of scenery with the best people is what I need to help me get over this unexpected break-up. 

In reality, though, it didn’t cost me that much. I had enough rewards points to cover $398 of the $406 I spent on my flight. So really, it was like getting a trip to LA for eight bucks. You can’t beat that! And I’ll be staying with my best friend in the world, so I won’t have to worry about lodging (and knowing her, she probably won’t let me buy most of my drinks either!).

So yeah, maybe it was stupid to spend money on a trip right now, but I don’t care. I need this.

Dinners out

The only other thing we spent money on during our no-spend May was eating out. But my ex paid for most of those nights out, so I guess I don’t have to include them in my update. At the time, we were together and trying to get on the same page with spending, but since that didn’t work out, I’m not going to worry about the money he spent. 

That’s his problem.

I honestly don’t even remember going out that often in May. We got pizza once, and we went out for Mexican food and a movie on the day we broke up. We didn’t see each other enough to have any other date nights. And I wonder why things didn’t work out. Relationships don’t work if you never make time for each other.

No Spend June

I did a fantastic job of not spending money in June. I paid for the essentials: groceries, bills, utilities, etc., but there were no unplanned expenses and very few dinners out (if you recall, I allow myself two per month).  I spent money needlessly during my much-needed trip to LA, which I paid for in May. Therefore, the plane tickets don’t count against my No Spend June. And, if you recall, I got those with my credit card points, so it hardly cost me anything anyway.

Trip to LA

 I took a spontaneous but much-needed trip to Los Angeles during the first week of June. It was a fantastic getaway and precisely what I needed. The trip gave me the chance to refresh and gain some clarity on what I wanted out of life. 

It kind of interrupted my no-spend challenge, but it wasn’t as bad as possible. And it was totally worth it!

The biggest expense was parking at the airport. I could’ve paid less to park in an economy lot further from the actual airport, but with my flight hours (and considering the trip was only a few days), I felt more comfortable parking in the garage. And the prices at the Philadelphia airport are relatively reasonable – it only cost me $120 to park there for five nights! It was supposed to be only four, but my original flight home got canceled, and I had to stay in LA for an extra night.

My only other expense was food. Fortunately, most of my favorite places are reasonably priced (you can get some fantastic pho and banh mi for excellent prices!). My awesome friends wanted to treat me pretty often (they are the best!), so I only paid for about half of my meals. My friends and I are always super generous with each other like that. We love to treat each other and take care of each other. Those are the best kinds of friends.

All in all, I spent about $150 on food for the entire four-day weekend, including the extra day I had to stay. Overall, I spent about $270 on the whole trip. Not too shabby!

Dinners out

Outside of my trip to LA, I only went out to eat once in June. And, since I had a craving for greasy, delicious fish from Long John Silvers, it didn’t cost that much money.

I know Long John Silver’s is disgusting, greasy, and a heart attack waiting to happen, but I freaking love it. It’s one of my guilty pleasures. And there’s one about a mile from my house!

Fortunately, I have some semblance of self-control, and I only eat there once every few months or so. But when that craving strikes, I have to have it. It’s only ten bucks, though, so it doesn’t hurt the budget nearly as much as it hurts the arteries.

No Spend July

I guess calling it a “No Spend July” is a bit of a misnomer. I spent tons of money in July!

Buying Some Things

The only things I bought in July were things that will help me with my future goals (and in case you missed it, those goals include full-time RV living and working the Renaissance Fair circuit!).

I had wanted a new set of tarot cards for a while. The ones I have are based on the artwork of Jheronimus Bosch, and while they are wonderfully artistic, the symbolism of the cards was lost in trying to apply his works to the deck. So, I bought the Rider-Waite deck. This deck was drawn with symbolism in mind, so the images on the cards match the meanings, which is helpful for folks learning to read the cards. 

I also went to a few indoor flea markets, looking for incredible deals. I found a bunch of older books on how to read tarot for just a few bucks a piece.  This is why I love shopping at flea markets and garage sales, but also why it can be dangerous.

All in all, I spent about $50 on all these items, which is not ideal for a no-spend month but also not terrible for investing in my future goals.

Expensive Fourth of July Weekend

Ok, I messed up here. I spent way too much money having a blast over the long holiday weekend. We went to Philadelphia and tried a few fantastic Chinese restaurants in Philly’s Chinatown. Delicious!

We also checked out some of the restaurants in my area that I hadn’t had a chance to try yet. Being the chivalrous guy that he is, my date offered to pay, but I didn’t feel comfortable having a guy pay for me all weekend. So, I let him pay for the first restaurant, and we split the bills for the rest of the weekend.

Overall, I didn’t spend that much. I spent about fifty dollars on meals for the entire weekend, a generous estimate. Most of the places we chose to eat at were reasonably cheap. It was worth it to spend some quality time with him and get to know him better (and decide to be in a relationship, yay!).

Trip to Savannah

During my supposedly no-spend July, the most expensive thing I spent money on was airfare to Savannah. I haven’t been back since I went to pick up the dogs, and I have some people there that I need to see. 

They are like my second family outside of my LA crew. Fortunately, plane tickets from Philadelphia to Savannah are relatively cheap, it only cost two hundred bucks. That’s not too shabby for spending a fantastic weekend with some good people!

No Spend August

Or –hemorrhaging money, August. Both names work. I spent a ton of cash this month! And the sad thing is, I didn’t even really buy anything. Where did it all go?

Travel

I’ll tell you where it went. Travel. I spent all the money during my no-spend August on a trip. So much money! I spent four hundred dollars on a hotel for Fincon (worth it?) and five hundred dollars on plane tickets to Los Angeles.

 I was hoping to use my airline miles for the LA flight. Technically, I have enough for the round-trip fare. But of course, American Airlines can’t be cool and let you book on any flight using their miles -oh no. You have to use their unique system for booking with miles that give you access to the least desirable flights – and the better flights cost you tons of miles.

I should have known better. So, instead, I paid for my plane tickets the old-fashioned way -with Travelocity and cold hard cash (and by money, I clearly mean credit – is it even possible to buy plane tickets with cash?)

Bills

Another huge chunk of money went to some bill stuff. I had to renew my home warranty for my house in Savannah (so worth it, though) and pay the property taxes on the house in Pennsylvania. Those bills, although expected, were another two thousand dollars.

Eating Out

The sad thing is that I barely spent any money on eating out during my epic fail of a no-spend August. I stuck to my rule of two dinners out per month. The first one was worth it – I took my boyfriend out to dinner for his birthday.

The second time was just laziness on my part. I didn’t want to cook anything for dinner, so I splurged and ordered a pizza. It was the first time I’d done that in months! And the twenty-dollar pizza lasted me through four meals, so that’s kind of a bargain.

 Having Fun

The worst part about my epic failure of a no-spend August is that I hardly spent any money on having fun. Ok, maybe I spent ten bucks on having a few beers with my buddies in Savannah, but that was it! I spent thousands of dollars while being a homebody! How does that even happen?

Ok, maybe that is less than honest. I also spent about a hundred dollars at the PA Renaissance Faire. I’m not sure if that counts as fun (although I had a blast!). The main point of our visit was to do some market research for when we quit our jobs and work the Ren fair Circuit!

 We wanted to see what crafts were selling well, what markets were over-saturated, and how the card readers put on a show to get customers. This stuff is all vitally important to making our future lives successful.

I spent most of the money on future fun, to be brutally honest. FinCon is in September, and my LA trip is in October, but booking that stuff at the last minute probably isn’t the answer.

FinCon can also be considered a business expense -it’s going to be my first one, so I don’t know what to expect, but I’m hoping to do a ton of networking and learn things that will improve the blog game (I need that!).

The LA trip was all about fun. I’ve been planning this trip for months. I even mentioned it in my original post about my no-spend year challenge! The first trip to LA was an unplanned fluke, but I needed that.

Was My No Spend August a Failure?

Now that I’ve written it all out, I can see that my no-spend August wasn’t as big of a failure as I initially thought. 

Yes, I spent tons of money. However, most of it was on bills that don’t count against the no-spend month and things I had already budgeted and accounted for at the beginning of the year. The only real splurges were the Renaissance Fair and eating out in Savannah, and those were not the high-ticket items.

No Spend September

Fincon

Let’s start with Fincon.  I had a fantastic time at Fincon and wouldn’t change it for anything. And I paid for most of it well before the actual event. But still, I did spend a bit of money on gas to drive down to DC and on food for the four days I was there.

The most considerable Fincon expense was buying tickets for next year’s Fincon. I will take my partner with me next year, so that was a four-hundred-dollar expense. But, I bought the tickets well in advance, so it wasn’t nearly as expensive as it could have been if I had waited.  

I don’t count buying tickets to next year’s Fincon as a failure of my no-spend September. It’s basically a legitimate business expense at this point. But, it was expensive, so I needed to include it.

Biggest Expense

My most considerable expense during my no-spend September was all the fun. Maybe this is what happens when you repress having fun for several months – you spend all the money on fun things all at once! The sad thing is that I can’t even tell you how much I spent. But, I can tell you that I had a blast doing it!

We did something fun pretty much every weekend of September. And why wouldn’t we? We have a new relationship, some awesome life goals, and things are going fabulously for us. Why wouldn’t we spend some of our free time having fun? The problem is that most of the fun wasn’t exactly free.

RV Show

We spent twenty bucks per person getting in the Hershey RV show. Of course, I can easily spin that as market research for our two-year plan, but still, it was money spent. We did good by not indulging in the overpriced fair food available at the show, but since we live an hour away from the show and were freaking starving, we had to stop to eat before heading home.

This stop made me realize how expensive even supposedly cheap food can be. We stopped at Five Guys, which is a fast-food joint, and it cost us nearly thirty bucks! Now that we’ve learned, we might as well spend an extra twenty and grab sushi somewhere. 

Grabbing fast food isn’t exactly cheap unless you go to one of the big four and order from the dollar menu, which is pretty gross.

Goggle Works and Reading

We spent another fantastic weekend checking out the Goggle Works Art Center in Reading, PA. The free gallery was amazing, and we got to see the works of many artists who had studios there.

Mini Golf and Ice Cream

We spent another wonderful Saturday afternoon driving along gorgeous autumn highways and taking in the scenery. Of course, this adventure led us to an adorable miniature golf course with a dairy, so we had to stop for a round and a cup from the delicious local creamery. Mini golf and ice cream aren’t all that expensive, but it was still money spent when I’m trying not to spend any money. 

Bar Hopping Lancaster

Our most expensive day in September was a night out on the town in Lancaster. We went to a few local breweries, sampled beer, ciders, and meads, and ate many delicious foods. The best part was the meadery, where they let us throw axes!

We also spent a ton of money on food. There’s this fantastic little hole-in-the-wall Trinidadian food place that my friend raved about, so we had to test it out. Unfortunately, I was a little too drunk to enjoy that type of cuisine, so I got it to go, and we went to Wawa instead.

There’s nothing like a delicious sandwich when you are a little drunker than you meant to be. I ate the Trinidadian food the next day (I’m not wasteful!), and my friend was right. It was fantastic.

Unfortunately, our night out in Lancaster was costly. I had almost forgotten how much just a few drinks at an actual bar could be. I didn’t keep track of all the spending that night, but we easily spent over $100 between us.

Shopping

If you think we spent all the money during the no-spend September on fun and that was the end, you’d be wrong. We also spent a little too much money on shopping. I impulse-bought a gorgeous set of tarot cards (they just called out to me, as these things do), but that wasn’t it. I also decided to take a trip to Michael’s.

I love to paint (and I’ve even sold a painting or two). I’ve been avoiding Michael’s because I love the store so much. It’s hard for me to go there and not spend all the money.

Unfortunately, I decided to go all in this month. I ended up with a bunch of new canvases and paints. My boyfriend is also a real artist, and he’s teaching me how to paint real things (I’ve stuck to abstract in the past).

We now have a scheduled Friday night date night where we sip some tasty drinks and work on our painting techniques, and it’s been great fun. It was worth the hundred bucks we spent at Michael’s to have this date night and learn some incredible new painting techniques.

Future Fun

We also spent tons of money in September on future fun. I booked tickets to see the Black Keys in Philadelphia in October, and I scored tickets to see Greenday play with Weezer and Fallout Boy next summer. I had tickets to see Greenday at the Rose Bowl before leaving California, but I got the job in Savannah and had to move a few weeks before the show, so I didn’t get to see them. Since high school, they have been one of my favorite bands, and I haven’t seen them live since Insomnia came out (Man, that was a long time ago!).

Neither of those ticket sets was crazy expensive, but those online ordering services price gauge you. Overall, I spent about $300 on concert tickets this month.

No Spend September Failure

As you can see, my no-spend September wasn’t a no-spend September. We spent tons of money on tons of different things.

I think part of the overspending is the fun of a new relationship -we enjoy going out and spending time together, and it’s nice to be with someone who can contribute to that fun. But it’s also been rough sitting at home all the time and not doing anything. I’ve missed having fun.

Although I had a great time in September, I acknowledge that I spent too much. I have three months left on this no-spend year journey, and I’m trying to finish it right. However, I still want to continue having fun and enjoying my life, so we will see what these next few months bring.

No Spend October

Trip to LA

My most considerable expense in October was a trip to Los Angeles at the beginning of the month. However, this doesn’t go against the no-spend year challenge because it’s been planned for well over a year. Also, most of the biggest travel expenses were paid for in September, so that doesn’t count for October either (I know, my boyfriend calls me a hair splitter all the time).

The biggest expense of the trip that I hadn’t already covered was the food. However, we only ate out a few times. I had to get some delicious bahn mi and pho because I can’t get those things back home, and I had to visit a few of my favorite eateries.

Weekend Experiences in October

Our most significant overall expense was those pesky weekends. I gave myself two evenings out per month at the beginning of the year, but since most months have four weekends, I’ve been failing at that. We didn’t want to be stuck in the house all weekend, so we had to do all the things!

But really, some of the things we did in October were rare occurrences that I didn’t want to put off just because of a no-spend year when I had the money. We scored tickets to see the Black Keys and made an evening out of it with dinner in Philadelphia, which was delicious but not within the budget.

The other event that popped up was Illuxcon – the premier convention for fantasy art. My boyfriend is super into the art world, and some of his favorite artists were going to be there this year.

 Since this is only a once-a-year event and nobody knows whether those same artists will be available to come in future years, we decided to go for it. We also decided to have some lunch and drinks in Reading to stay at the event longer.  

Random Weekend Fun

It would be nice to say that I limited our going out to these two special events, but that’s not the case. We had one more weekend adventure during October that was terrific fun but a bit expensive.

We decided to hike up in the Delaware watershed to see the gorgeous fall colors. You can’t beat the free fun of hiking and scenic views, right? I’d call that a win if not for the fact that we decided to visit an Oktoberfest on the way home. Free fun out the window.

We had an epic time sampling some local brews, throwing some axes, and playing drinking games on the fairgrounds (the games were free – the booze, not so much).

Shopping

We did a lot better at not spending money shopping during October, which was a huge win. We only bought a few unnecessary items – a few used books for less than ten bucks and some scrapbooking stuff to make a relationship scrapbook (which we already started and is super adorable already!).  I also splurged and bought my boyfriend a print of one of his favorite paintings at the artist’s convention. It’s nice to be able to support art, and it was adorable watching him fanboy over it. A worthwhile splurge!

We did buy a few necessary items during the month as well. It’s starting to get colder outside, and we are trying to wait to turn the heat on.  We thought it would be more cost-effective to buy some cozy indoor winter supplies instead.

We got a new blanket (which the cats love), some slippers, and some toasty winter socks. Nothing here broke the bank or was an unreasonable buy – in fact, they probably saved us money by ensuring that we wouldn’t have to turn the heat on in October! But they were still purchases, so they count against the no spend month.

No Spend October Success

Although I went out twice more than I had scheduled, I still consider the month a success. I didn’t spend loads of money on unnecessary items like last month, so that’s a huge win. I found more balance between having fun and restraining myself this month. With two months left on my No Spend Year Challenge, I think finding that balance is essential.

No Spend November

Birthday Present

My biggest expense in November was a birthday present for myself. I’m taking a weekend getaway to New York City for my birthday! 

My birthday isn’t until December, but I paid for the hotel and the pet sitter (the two most significant expenses) in November. I’m budgeting my food and events money into my December allowance, so spoiler alert, that will probably be my main expense in December.

I’ve only been to New York City once, and that was over ten years ago, before I was as well-traveled as I am now. I went for a job interview (I got the job – it was in LA!), but I was only there for a day, most of which was dedicated to the interview, so I didn’t have time to do anything. It’s exhilarating that I live close enough to make it into an easy weekend trip!

Shopping

We had a few setbacks in September and October with the shopping. But I’m pleased to announce that it wasn’t a problem in November! We didn’t do any unnecessary shopping during our no-spend November.

I spent a little money on much-needed home improvement items for the house and a space heater. These items helped reduce our first month’s heating costs, so spending a tiny bit there to save on heating this season was a win. My first heating bill was only $150 (a far cry from the $500 every three weeks it had been previously), and the electric bill didn’t increase at all with the space heater.

Buying Food for Thanksgiving

The most considerable shopping expenditure was food for Thanksgiving. I usually don’t count grocery store food against my no-spend months (we have to eat, right?), but I was shocked at how much the vegetables I don’t usually buy cost. Did you know that cauliflower is almost four dollars a head? That’s ridiculous!

I bought a little extra food for Thanksgiving because I invited a friend to enjoy the holiday with us. This wasn’t planned, so it goes against the No Spend November theme, but I’ll always choose friendships over money. Building relationships is one of the most important things we can do, and if it costs me a few extra bucks, so be it.

Going Out to Eat at Work

During my no-spend November, the only thing I failed at was taking bag lunches to work. Don’t get me wrong. I did the majority of the time. However, we did have more meetings this month, which generally resulted in me going out to eat with my colleagues.

 We also had a few going-away parties this month, which meant chipping in money for the feast. These events cost me less than a hundred dollars, so it wasn’t so bad.

So What Did We Do in November?

I’m not going to lie. We had a pretty boring November. And I loved every second of it! 

We had our traditional Friday night paint night every Friday, which didn’t cost a thing because we already had all the materials. We also did a lot of gaming (I’m trying to beat Twilight Princess for the first time, I know it’s super old, but I never got through).

No Spend December

I’m not going to lie; by the time December rolled around, I was over this whole no-spend year thing. But I still pushed through, and other than my birthday celebration weekend, I didn’t spend much of my own money during my no-spend December.

Gift Money

Did you catch that “my own money” part? That’s how I got around this No Spend December challenge. We bought tons of things, but all of it was with money gifted to us for Christmas spending. No one wants to hear that the money they gave you to splurge on yourself went straight into a savings account. They want to hear that you bought yourself something fun with it, and that I did!

We spent tons of money on video game systems, games, and art supplies. It was an epic Christmas for us! Not a bad investment either, since we’ve been more than happy to stay home every weekend and just play our new games. 

Birthday Trip

The only other thing we spent money on in December was my birthday trip to New York City. Luckily, we live close enough to drive, but we wanted to spend an entire weekend so we decided against a day trip.

We spent about three hundred dollars on a hotel and another hundred on pet sitting to make it happen, but it was well worth it. We got to see the MET – something that’s been on my bucket list forever- sample a bunch of different dumplings in China Town, and meet up with some incredible people.

I budgeted six hundred dollars for the trip, and we stayed within budget. This is something that I’d been planning on doing since before I even had a no-spend year challenge, so I don’t think it counts against me.

Going Out to Eat

One place where we saw spectacular resilience during our no-spend December challenge was in eating out. Yes, obviously, we ate out while in New York, but since that is part of a trip, it doesn’t count. 

Other than that trip, the only time we didn’t make something at home was New Year’s Eve. We ordered a pizza from the cheap place across the street and rang in the New Year (at 10 pm- I’m too old to stay up until midnight!) with video games and unhealthy foods.

No Spend December Success

All in all, I’d call our no-spend December a success. If not for the gift money, we wouldn’t have gotten the games, so that was a happy surprise. Besides that, we did a fantastic job of staying home, eating in, and not buying anything unnecessary. 

Hopefully, we will take some of the restraint we learned in December (and throughout the year) and bring it into 2020 (though we have no plans to try to repeat the challenge!).