No spend month for Jan 2025

No spend month for Jan 2025 Entering 2025 in a few weeks, I want to challenge myself to have a “no spend” month in January. I have done no spend weeks but I want to really push myself in 2025 to reach a few financial goals of mine. In the past, I’ve had a hard time saying no to friends when they want to go out to local malls. Any advice for holding yourself accountable an...

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