The No-Spend Challenge Guide Quotes

“People often say that motivation doesn’t last. Well, neither does bathing – that’s why we recommend it daily.” -Zig Ziglar”
― Jen Smith, The No-Spend Challenge Guide: How to Stop Spending Money Impulsively, Pay off Debt Fast, & Make Your Finances Fit Your Dreams

“Saying no to all or most spending reduces the number of decisions you make in a day. That, in turn, gives your brain more space to make better decisions about important things. It also builds healthier spending habits that will hopefully carry over when you’re done with the challenge.”
― Jen Smith, The No-Spend Challenge Guide: How to Stop Spending Money Impulsively, Pay off Debt Fast, & Make Your Finances Fit Your Dreams

“sometimes you minimize your accomplishments because you feel like you’re still playing catch-up. You’re not. You should acknowledge every win.”
― Jen Smith, The No-Spend Challenge Guide: How to Stop Spending Money Impulsively, Pay off Debt Fast, & Make Your Finances Fit Your Dreams

“GO DO THE THINGS: Write down your ONE thing Find some encouragement buddies Go to bed an hour earlier (ie., don’t watch that next episode of Orange is the New Black.) Exercise for 30 minutes”
― Jen Smith, The No-Spend Challenge Guide: How to Stop Spending Money Impulsively, Pay off Debt Fast, & Make Your Finances Fit Your Dreams

“But I knew the only way we were going to pay the debt off fast was to make more money.”
― Jen Smith, The No-Spend Challenge Guide: How to Stop Spending Money Impulsively, Pay off Debt Fast, & Make Your Finances Fit Your Dreams

“The number one reason for eating out is a failure to plan.”
― Jen Smith, The No-Spend Challenge Guide: How to Stop Spending Money Impulsively, Pay off Debt Fast, & Make Your Finances Fit Your Dreams

“Figuring out why you want to pay off your debt is key to paying it off. Retirement was not enough of a reason for me. Having nice things and a nice house didn’t motivate me. But the thought of being able to stay home with my future kids got me going. And when I was discouraged during the middle period of our debt payoff, imagining long-term work flexibility kept me going.”
― Jen Smith, The No-Spend Challenge Guide: How to Stop Spending Money Impulsively, Pay off Debt Fast, & Make Your Finances Fit Your Dreams

“I get to host the Frugal Friends Podcast full-time, which is mostly hanging out with one of my closest friends and talking about money as often as possible.”
― Jen Smith, The No-Spend Challenge Guide: How to Stop Spending Money Impulsively, Pay off Debt Fast, & Make Your Finances Fit Your Dreams

“The best time to plant a tree was 20 years ago. The second best time is now.”
― Jen Smith, The No-Spend Challenge Guide: How to Stop Spending Money Impulsively, Pay off Debt Fast, & Make Your Finances Fit Your Dreams

“Doing a No-Spend Challenge for longer than a month is hard, but it’s an extremely efficient way to change your life and bank account. And I love efficiency. Doing a challenge over multiple months means you’ll likely experience every temptation your life has to offer —often multiple times —and you’ll see your financial growth a lot faster.”
― Jen Smith, The No-Spend Challenge Guide: How to Stop Spending Money Impulsively, Pay off Debt Fast, & Make Your Finances Fit Your Dreams

“You might think you’re broke, but once you make a budget, you might find you’re just overspent. Think you don’t have enough time to work an extra job? Maybe you need better time-management skills or a job with flexible hours.”
― Jen Smith, The No-Spend Challenge Guide: How to Stop Spending Money Impulsively, Pay off Debt Fast, & Make Your Finances Fit Your Dreams

“No-Spend Challenges helped me take control of my spending. These methods have been tested and refined over a few years. They’re not perfect, I’m not perfect — I’m not even an expert. But I did this stuff, and it worked. These tips took me from an anxious overspender to a bonafide conscious consumer.”
― Jen Smith, The No-Spend Challenge Guide: How to Stop Spending Money Impulsively, Pay off Debt Fast, & Make Your Finances Fit Your Dreams

“block sites altogether. You can configure by time, domain, subdomain, or even content like games and videos. LeechBlock is a free Firefox add-on that does the same thing as StayFocusd. You specify which sites to block and when to block them. Icebox is another free Chrome extension that cuts impulse spending by replacing the “buy now” button at over 400 popular online stores with a “put it on ice” button. You can set a cool-off period, making the item unbuyable until the time is up. Then the “buy now” button appears.”
― Jen Smith, The No-Spend Challenge Guide: How to Stop Spending Money Impulsively, Pay off Debt Fast, & Make Your Finances Fit Your Dreams

“Federal student loans are unbankruptable (and yes, that’s a real word). The government will start garnishing your wages as soon as three months after you default. And they do it in increments that make it virtually impossible to get out from under. Unlike a mortgage, on which interest compounds monthly, student loan interest compounds daily.”
― Jen Smith, The No-Spend Challenge Guide: How to Stop Spending Money Impulsively, Pay off Debt Fast, & Make Your Finances Fit Your Dreams