First, before you read this - if you are on Pinterest, I invite you to follow my No Spend January and my Frugal Living Page - always pinning great things to this page! Okay, so we can all agree No Spending January is a challenge for us all. It's not a "do or die" situation and please don't beat yourself up IF something unexpected comes along and you HAVE to spend money (car repairs, emergency house repairs are good examples) then spend it. However, what we can do is a little homework is prepare our hearts, homes and shelves for some anticipated items that we already know might cut into our No Spend Challenge . Here is what I am talking about. If you already know you have some birthdays, an anniversary, scheduled parties etc. on the calendar for January, prepare NOW while we still can hit the after Christmas sales! If you are a big chocolate person and have to have your handful of M & M's every night after di...
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