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At the beginning of the year, I issued a financial challenge. A challenge to take a bit more control of your spending regardless of whether you are doing exceedingly well or just getting back on track.
This challenge is something I try to do every month, and it forces me to be more organized and spend more consciously. The challenge is to stop spending for an entire week each month.
At first this may seem difficult, but by giving your checkbook a week off, you demand of yourself to plan ahead on necessary purchases or scheduled appointments, pay your bills at a regular time each month and halt spontaneous and unnecessary spending.
For me this week of no spending usually occurs either the 2nd or 3rd week of the month. The first is reserved for paying the bills, stocking the pantry and filling up the car.
Each month will be different depending upon what your schedule has in store, however, try to make this something you incorporate into your spending plan.
The simple luxury of looking at your checkbook at the end of the month and seeing a gap of seven days without an entry is a wonderful sight to see.
~Read this post to discover 8 specific ways to make this monthly no-spending ritual simple to incorporate into your everyday life.