My No Spend Month – January 2021

I have never done a no spend anything really but after reading ‘The No Spend Year’ by Michelle McGagh which I picked up earlier this year from the library I have been inspired to do something similar. I am not sure if I could commit to a whole year, but a month definitely seems doable!! During the no spend year, Michelle saved a whopping £22k which is just amazing. And If I had the same success as her I would really be debt free! Wow, just wow!!

My Why

I have a little under £20k to pay off before I am completely debt free with my original plan being to be debt free by the end of this year, so I thought I would start 2021 with a no spend January to give me a great start on the year. Who knows, if it goes ok, I may keep going.

The plan is to reduce/stop altogether the frivolous spending I do on takeaways, Amazon, over budget spends on birthdays, Christmas, days out etc. I want to not only keep a strict budget but take the time to find fun things to do without spending any money. I want to break the cycle of wanting stuff and start to live a more minimalistic, financially secure life.

I want to get time back time with my family and am even hoping to learn new recipes and batch cook meals instead of eating the same food all the time or having takeaways. I have never done anything like this before but since I started my blog and my Instagram account I can see it’s really helping to keep me accountable whilst I am on my journey towards financial freedom. Not only that, its great to have the community of like-minded people around you.


I need some rules for my no spend month as I will still be paying normal fixed debits like gas, electric and rent and will have a strict unbreakable budget for all the variable type spending like food and petrol. Some other items I will continue to pay is my daughters clubs because I don’t want her to go without and in the last year all her clubs stopped or went online so if we have any normality next year, I’d like her to continue doing some of the things she loves. I will also still be paying for Sky but only because I am stuck in the contract for the next 12 months.

Rule 1 – No spending on ANYTHING outside the budget

Rule 2 – Kinda falls in with rule 1, but NO TAKEAWAYS

Rule 3 – Budget for the month to be posted on my blog by 1st January for accountability purposes with an actual spend being posted by 1st Feb

I have made my no spend challenge tracker and will now spend the few days sorting my budget, finding some batch cooking recipes and looking at any fun things we can do over the next month. If your thinking of trying something like this, let’s do it together!


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