Join Scott and Nikki as they converse with 3rd Decade team member, Nicole, about how she's incorporated no-spend challenges into her life, as well as other ways she and her husband have financially, mentally, and physically challenged themselves and made discretion a huge part of their lives. 


A few notes from Nicole:

• A no-spend month isn’t a replacement for tracking your spending and setting a proper budget, but it is one way to see just how much of your spending is ‘discretionary’ which roughly translated means unnecessary.
• Ask yourself what your motive is for the no-spend challenge and approach it with the right mindset
• Prepare in advance and communicate well with your partner/household (or any family/friends who may be affected)

A resource that may help in getting started (especially for those who aren't already used to cooking at home):
The 4 hour Chef

List of free activities to do:

• Go for a hike
• Look for free local events
• Schedule “play dates” for the kids at the house
• Play card games
• Play board games
• Go to the beach
• Read a book
• Go to a state park
• Camp in the backyard
• Ride bikes
• Go to the library
• Deep clean
• Declutter the house
• Do a craft project