No Spend Month
Happy Friday! I've recently decided (recently meaning within the last couple hours) to do a "No Spend Month" Challenge for the month of September. Am I crazy for doing this? I kinda feel a bit crazy. I went onto Pinterest, searching for hints and tips and whatnot, and quickly fell down the rabbit hole. (To be honest though, "Went to Pinterest" and "fell down the rabbit hole" are a bit synonymous.) I suppose the decision to do this started brewing a couple months ago- I created an account with YNAB (You Need A Budget.) They're not paying me to say this, but I seriously love it. It's $50 a year, but I've already saved over that each month. What's cool about it is it is extremely similar to the envelope system, and I can pretty much SEE every dollar I have- which is something a notepad and a pencil can't do all that easily. But it's hard to say exactly HOW MUCH I'm saving- because while the regular, known, expenses a...