Happy New Year, friends! I hope you all had a fun night, doing whatever you did. Me? I went to a party, sans husband who was home with a fever, for a few hours. Fun fact: it was a costume party and I, who never dresses in costume, dressed up. I went as Janeane Garofalo’s character from the movie Mystery Men. Never heard of it? If it helps, neither have most people and absolutely no one knew who I was. So that was fun. Also, I couldn’t drink because no designated driver. So that was fun, too.
But now that’s over and we’re getting down to the business of the year. And while I have no goals or resolutions, I am choosing to focus on improvement and habit changes. I wasn’t quite sure how I wanted to approach this and then I thought: 30 DAY CHALLENGES! I love the idea of 30 day challenges because I really can’t think of anything I can’t do for a month. Hell, I made it, successfully, through a Whole30. If I can do that, I can do anything.
I haven’t fully mapped out all the 30 day challenges for the year (I am taking suggestions if you have them), although I do have January and February planned. I’ll keep you in suspense for February. As for January, well, that’s what we’re going to talk about now.
Given the hemorrhaging of money that happens in December, and the fact that I have become completely oblivious and unintentional as to how I spend my money and what I spend it on, I’ve decided I’m doing a 30 day spending freeze for January. I’m not doing it save or pay down debt or any reason other than I need to start paying attention again. I have had it with haphazardly buying random crap and wondering a) why I have it and b) where all my money went. The moment that made me realize this is how I needed to start the new year? I recently cleaned out all my makeup and assorted other products and realized how many duplicates–unnecessary duplicates–I have and it’s all as a result of mindless spending (you know how it goes. Walk into Bath and Body to buy one thing, smell all the scents, buy 27 bottles of antibacterial soap instead of the thing you meant to buy). Apparently, that’s where my money goes (also to Wawa or Amazon or Walgreen’s. Seriously. I added it up. It’s disgusting and I have no idea what I bought most of the time).
So in an effort to use what I have, regain purpose and intention in how I use my money, and stop wasting it, I’m pushing pause on my spending. I have bigger plans for my income. I want to do that stuff instead.
My rules for my freeze are simple:
- Don’t spend money on unplanned expenses
- Gift cards are cheating
- Stuff other people buy me is not (ex., husband bringing me coffee)
Easy enough to follow. I think. I mean, they’re not difficult nor are they expansive or unreasonable or too restrictive. I guess that’s what happens when you make rules for yourself.
I’m confident I picked a shit month to do this. I mean, is there really ever a good month to do a spending freeze because, you know, life, but this month is extra bad. We have 2 cheer competitions, one of them a 2 day one in Atlantic City, NJ (please, don’t be jealous of my trip to Atlantic City in the middle of January. I know it sounds incredibly appealing), and my dad’s birthday. I can plan as much as possible for these events, and I’m perfectly capable of saying no, but sometimes it’s exponentially easier to say yes. And while my bank account won’t necessarily suffer from saying yes, it’ll definitely be a setback in mindset. But if I know it’s a setback, and I choose to do it anyway, do I still learn from it?
I feel this is a chicken and egg discussion and I think I’ll stop now.
So that’s it for my January challenge. I’ll report back at the end of the month to let you know how I did.
Have you guys ever done a spending freeze? How’d it go for you?