Use these No Spend Challenge Ideas to help conquer your debt and to kick your savings into high gear!
Are you ready to give your savings a serious boost? Or maybe you just want to pay down some debt fast? Then it’s time to challenge yourself to a no spend month! A No Spend Challenge can be the ideal tool to help you pay down debt or to inflate your savings!
Whether you’ve had a recent drop in earnings or your expenses have spiraled out of control, you can get back in the driver’s seat with a no spend month! Not up for an entire month? At least give it a try for a week! Or would you like to go next level? I’ve heard of several people that challenge themselves to a no spend year!
So how does this work and what are the rules? It’s easy! And don’t worry… you can still spend some money, but you’ll put your energy and focus on cutting out all unnecessary spending! You won’t believe how much you’ll save!
Plus… you’ll learn all sorts of new skills, have some fabulous family time and me-time, and make sweet memories you’ll cherish for years to come. This short-term financial planning strategy can really help you break out of your normal routine, and achieve your financial goals so much faster!
So let’s do this, shall we? It’s the perfect time to save some serious money… by spending less!
No Spend Challenge Ideas and Tips
Related:
No Spend Challenge Ideas for Food…
So as I said… a no spend challenge doesn’t mean you’ll spending NO money at all. It just means you’ll spend money ONLY on essentials.
When it comes to food, that’s an easy part of the budget that can just spiral out of control, right? Well this month it’s time to take back control of your food costs, and it’s easier than you might think! Use these simple tips and tricks below to get started…
#1: Take the Pantry Challenge, and Eat What You Already Have!
Food costs can be one of the easiest parts of our budget that just seems to spiral out of control, right? But what if your cupboards are already full of food? Well, now is the time to eat through your pantry and save BIG this month! Then at the end of the month, just gradually build up your back stock as you see amazing Grocery Deals!
Homemade Pancake Mix Recipe

#2: Then Raid Your Freezer!
Another place I bet you’ve got some food hiding is in your freezer! There’s no better time than now to go through your freezer, see what you actually have in there, and start enjoying the delicious things you’ve stashed away!
For example… if you’ve got a box of spaghetti in the pantry and some ground beef in your freezer, tonight just might be the perfect night for some Spaghetti & Meatballs!
Leslie writes: “I’m ‘shopping’ my pantry and freezer first to use more of what I have in the house instead of buying more groceries!”
#3: Skip the Restaurants, and Eat at Home!
Going out to eat is always fun, but guess what… when you know how to make delicious food, it can be just as fun to eat at home! You can even have fun re-creating some of your favorite restaurant dishes at home with these Restaurant Copycat Recipes!
Turn on some tunes, light some candles, and let’s get dinner started! Get inspired with these easy recipes below…
250+ Easy Crockpot Recipes
35+ Easy Instant Pot Recipes
#4: Pack Your Lunch for Work
Last night’s dinner you cooked was amazing, right? Well, enjoy it again when you take some more to work!
This is the month you’ll want to pack your lunch for work… so you might as well take some of those delicious leftovers from dinner last night!
Amy writes: “I rarely eat out, and almost always bring lunch with me to work. I cook on the weekend and pack my lunches when putting the food away. That way I just grab a container each day.”
#5: Eat at your Parents’ House 1 Night Each Week!
Who doesn’t love Mom and Dad’s home cooking, right? You know Mom would love to treat you to one of her favorite comfort food classics, and Dad is always looking for an excuse to fire up that grill, so go on and give them a call. They’ll love any excuse to have you over!
#6: Skip the Coffee Shop, and Become your own Barista!
You won’t believe how much money you’ll start saving once you know how to make your own coffee recipes at home! Learn some new skills this month to jumpstart your inner barista with these easy recipes…
Easy Coffee Recipes {Be Your Own Barista}
#7: Grow Your Own Food in your Backyard!
Now is the time to work on that Vegetable Garden you’ve been dreaming of, and make sure to plant your favorite fruits while you’re at it, too! Can you say juicy strawberries right from your backyard? It’s always fun grabbing fresh, free produce right from your own backyard!
No Spend Challenge Ideas at Home…
#8: Make Your Own DIY Cleaners!
This month, try not to buy any new cleaners, and make your own Homemade Cleaners with things you already have at home. You won’t believe how well they work, and how much money you’ll save! You just may never go back to those store-bought cleaners again!
50+ Homemade Cleaners Recipes
#9: Get Organized and Sell Your Old Stuff!
Now is a great time to clean out your closet and find some cute new clothes you forgot about! Make it a challenge to piece together some new outfits with things you already own.
Then go around your house, room by room tackling that clutter once and for all. It’s a free activity, and it will feel SO good once you’re done!
Related: Home Organizing Tips and Tricks! {Room by Room Guide}
Once you’ve gone through your home, you’ve probably discovered a bunch of stuff you don’t want anymore. Consider selling these items online or on Craigslist to make some extra cash.
How to Make Money Consigning Clothes! {+ 12 Tips for Selling on eBay}
No Spend Challenge Entertainment Ideas…
After you cut your monthly spending, you’ll need to replace expensive activities with free experiences. Here are some ideas…

#10: Enjoy a Date Night at Home!
And just because you’re doing a no spend challenge doesn’t mean you need to put romance on the back burner! There are so many fun ways to keep the sizzle alive on a budget! Get inspired with these creative ideas…
- Cook a romantic dinner at home together… using items from your freezer.
- Bake up your man’s favorite dessert… using items from your pantry!
- Cuddle on the couch and watch a movie you already own on DVD.
- Enjoy a free music concert at a local park.
- Play a game or do a puzzle together.
- Go on an outdoor adventure hike.
- Head for the lake and spend the day floating on air mattresses while holding hands.
- Roast some marshmallows together over the backyard fire pit.
- Have a picnic with a view or down by the water.
- Head to the farmer’s market and load up on free samples!
55 More Romantic Date Night Ideas
#11: Pamper Yourself for Pennies!
This month is also a great time to focus on pampering yourself with some me-time, too! Take some time to sit back, relax, and do something just for you! Here are some fun ideas to get started…
- Snuggle up with a good book in a cozy chair or outside in the sun.
- Take a long, relaxing bubble bath.
- Give yourself a manicure.
- Enjoy a spa day at home using beauty products you already have on hand. Don’t forget to turn on some relaxing tunes!
- Master the art of window shopping, and just make the temptation go away when you ‘save things for later’ online or delete things out of your online shopping cart.
- Go for a nice long walk with your dog.
- Get outside and enjoy a refreshing jog or bike ride.
- Catch up on old magazines you have been meaning to read.
- Treat yourself to an afternoon nap. You know you want to!
#12: Start A Side Hustle!
So how can you save even more money during your no spend month? For starters, you can start a side hustle or two to increase your savings rate. Side hustles are one of the easiest ways to supercharge the benefits of your no spend efforts!
These are some of my favorite side hustles that can help you bring in extra money during your no-spend month…
25+ Side Hustles Ideas to Skyrocket Your Income!
See? A No Spend Challenge can actually be a fun thing, and will be a great tool to help you jumpstart your financial goals!
So in addition to the ideas I’ve shared in this No Spend Month Guide, here are even more money making and money saving ideas to help make your No Spend Challenge a success:
Brilliant Ways To Save More Money Around The House
You won’t believe how much money you’ll save with these often overlooked frugal tips and tricks!
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So are you wondering how to Save Money Fast? It’s easy when you start slashing expenses and adding these extra streams of income to your finances!
So don’t miss out! Get all the latest fun new Frugal Girls Money Saving Tips, Recipes + more right here…
So have you ever tried a No-Spend Challenge??
What No Spend Challenge Ideas or Tips worked best for you?
Leave a comment & share!
Christie says
This is such a fantastic post! I love how you share these amazing ideas to save us some money! Especially during this time when a lot of people are out of jobs due to the pandemic. Thanks for sharing!
Heidi says
You’re very welcome, Christie! I’m so glad you’re enjoying the simple money saving tips!
Danielle says
These are all great idea! February is a no spend month for us, so I better get ready!
Heidi says
That’s so exciting, Danielle… have fun saving BIG next month! 🙂
CoCo says
There are so many great tips and tricks in this post, Heidi, thank you! It’s such a scary time right now I’m all for stashing extra cash and saving up whenever possible. Thanks for putting all of these resources together. Hugs, CoCo
Heidi says
You’re very welcome, CoCo… and I’m so glad you found the tips helpful! I agree with you… stashing cash is definitely the way to go right now! 🙂
Rosemary says
I absolutely LOVE this!! I am doing this right now too! There are so many things that we think we need .. that we really don’t!
Heidi says
That’s so exciting you’re on a no spend challenge right now, Rosemary… way to go! And I agree… there are so many things to cut out that you think you’ll miss but then you don’t really miss them at all! 🙂
Alex says
This is some really great advice, Heidi – thank you so much for sharing!
Heidi says
You’re very welcome, Alex… so glad you liked the tips! 🙂
Katherine | Love In My Oven says
We could all use some tips to save money right now! I would love to grow more food in my backyard!
Heidi says
That’s a great idea, Katherine… it’s so fun having fresh food from your backyard! I’ve been experimenting with growing more different kinds of foods as well! I have some radishes just starting to pop up right now, and can’t wait to add those to our salads. 🙂
Michelle says
These are great ideas! We’ve cut down eating out to only on Saturdays and sometimes not even that. It has really saved plus I look forward to the weekend so I don’t have to cook.
Heidi says
That’s great, Michelle! I love eating out on Saturdays too… and it makes cooking at home all week long more fun knowing you have a weekend day out to look forward too! 🙂