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We are doing a no spend month in January 2020. This no spend challenge is something many people do to save more money and reach financial goals faster. Today I'm sharing why we are doing the no spend month challenge (me specifically), and what we hope to do with the extra money we save. I'm also going over my no spend challenge rules and the exemptions. No spend printable - https://etsy.me/39yZQZu Follow all the debt payoff videos here ➝ Debt Snowball Paying Off Student Loans Playlist ➝ • Debt Snowball | Paying Off Debt | Paying O... #debtsnowball #daveramsey #debtfreecommunity ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ WHAT I USE TO BUDGET* Pens & Paper: ➝ My Budget Printables ➝ http://bit.ly/pnpbudgeting ➝ Happy Planner ➝ https://amzn.to/2MT0Dbx ➝ Paper Mate InkJoy Gel Pen ➝ https://amzn.to/2DLwFnL ➝ Tombow Dual Brush Pens ➝ https://amzn.to/2PCEjVe Stickers: ➝ SimplyKamyCo budget stickers ➝ http://tidd.ly/7bd846fa ➝ Caffeinated Cait budget stickers ➝ http://bit.ly/AMLYTCAFFCAIT Cash envelopes: ➝ KateBudgets Cash Envelopes ➝ http://bit.ly/KateBudgetsCashEnvelopes Apps: ➝ Capital One ➝ https://capital.one/2JIEqQV ➝ Mint.com ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ SAVE MONEY* ➝ Ibotta (Cash back - $20 BONUS) ➝ https://ibotta.com/r/vernepp ➝ Rakuten (Cash back - $10 BONUS) ➝ https://www.rakuten.com/r/MARYIN155?e... ➝ Fetch Rewards (Receipt scans, referral code, MV7RR) ➝ https://bit.ly/2G0vEtZ INVEST & EARN MONEY* ➝ Ellevest** (Investing - $50 BONUS) ➝ http://bit.ly/PenniesEllevest ➝ Robinhood (Investing - Free stock!) ➝ https://penniesnotperfection.com/Robi... **I'm proud to be working with Ellevest to help get more money in the hands of more women. If you open an account through my link ➝ http://bit.ly/PenniesEllevest ... I'll earn a commission and Ellevest will give you $50 when you make your first deposit. ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ CONTACT ME: Mary P.O. Box 240981 Memphis, TN 38124 Website: http://penniesnotperfection.com Shop: https://shop.penniesnotperfection.com/ Instagram: / penniesnotperfection ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ ➝ **The information provided should not be relied upon as investment advice or recommendations, does not constitute a solicitation to buy or sell securities and should not be considered specific legal, investment or tax advice. Investing entails risk, including the possible loss of principal, and there is no assurance that the investment will provide positive performance over any period of time. I am not a professional and this channel is for entertainment purposes only. *Affiliate links. I get commissions for purchases you make through links shown here. It doesn't affect your purchase in any way and the commissions help support this channel. I only recommend items I personally use and appreciate the opportunity to share.