Here is the thread for No Spend October 2020 Challenge.
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Sadly I have a lot of birthdays in October (including my own!) so I can’t participate. I might try and do as many no spend days in between them, to help ease the burden 
Is anyone planning to do a low spend rather than a complete no spend? September has been bad for me, partially emotional spending and partially buying stuff I’ve needed/wanted for a while or finding a really good offer (30% cashback at Matalan yesterday and daughter needed pyjamas so obviously I had to spend £50 
)
Anyway, I feel like completely depriving myself just makes me rebel so I’m going to write up some rules for a low spend month and factor in a limited amount of small treats so I don’t lose motivation. Hopefully will be able to stick to it and continue on into November at leastDaughters birthday is in November and then it’s obviously Christmas but I’m going to try to keep spending relatively low on both
)Anyway, I feel like completely depriving myself just makes me rebel so I’m going to write up some rules for a low spend month and factor in a limited amount of small treats so I don’t lose motivation. Hopefully will be able to stick to it and continue on into November at least
Daughters birthday is in November and then it’s obviously Christmas but I’m going to try to keep spending relatively low on both
I’m defo joining in on this I’m so so bad with money! I’m an emotional spender too and will just blow £20/£30 randomly to make myself feel better for a few moments then regret and guilt come after thinking I didn’t even need it! Think I’m going to be low spending till jan! Xx
A good trick I sometimes do to myself is pretend I genuinely haven’t got the money as if I’m trying to just survive and make ends meet! Literally pretend to not have extra money and just set myself a budget and pretend that’s it! X
Although I haven’t really got the money anyway it all goes on my overdraft
I’m an idiot
I’m so so bad with money! I’m an emotional spender too and will just blow £20/£30 randomly to make myself feel better for a few moments then regret and guilt come after thinking I didn’t even need it! Think I’m going to be low spending till jan! XxA good trick I sometimes do to myself is pretend I genuinely haven’t got the money as if I’m trying to just survive and make ends meet! Literally pretend to not have extra money and just set myself a budget and pretend that’s it! X
Although I haven’t really got the money anyway it all goes on my overdraft
I’m an idiot
Can you literally not spend anything???
The idea is to buy only essentials - so food, bills, rent, basic toiletries, that sort of thing. Nothing that you could live without. I plan to do a low spend which means having a strict, limited budget to buy non-essentials, and aiming for a certain amount of no spend days
Fab idea!!!! I will give this a go!
Personally I think it's okay to spend on things you need instead of a 100% blanket no spend rule for thirty days.Is anyone planning to do a low spend rather than a complete no spend? September has been bad for me, partially emotional spending and partially buying stuff I’ve needed/wanted for a while or finding a really good offer (30% cashback at Matalan yesterday and daughter needed pyjamas so obviously I had to spend £50
Anyway, I feel like completely depriving myself just makes me rebel so I’m going to write up some rules for a low spend month and factor in a limited amount of small treats so I don’t lose motivation. Hopefully will be able to stick to it and continue on into November at least
I paid rent today but that's not a real shopping spend in my book.
I need to do this as I failed the September one BADLY! I do have a Birthday in Oct but apart from that I will only be buying essentials does that include xmas gifts?
I will join but I already know I'm going to buy some things 
however, I always do a monthly budget for different things and my issue is where I end up missing my saving targets because of random spending on stuff I don't need so I'm going to try and cut that out. So the things I plan to buy are budgeted for, I also do a small budget for extra things, but no more dipping into savings to buy some random rit I think off.
however, I always do a monthly budget for different things and my issue is where I end up missing my saving targets because of random spending on stuff I don't need so I'm going to try and cut that out. So the things I plan to buy are budgeted for, I also do a small budget for extra things, but no more dipping into savings to buy some random rit I think off.
I’m up for it! Can certainly do spend no days now that I’m WFH again after a 2 week return 
I need to try this. Spent a lot in September and finished it off this morning with an Apple Watch I have 2 birthdays in October but I’m going to not buy anything for myself besides essentials.
I saved so much during lockdown, I need to get back to that!!
I have 2 birthdays in October but I’m going to not buy anything for myself besides essentials.I saved so much during lockdown, I need to get back to that!!
I’m doing a house renovation (on a budget) so will need to spend but I’ll join in so I don’t spend any unbudgeted money on crap I don’t need!
Definitely up for this.
A friend of mine used to draw out £10 a week for all fun spending. If he didn't spend it that week, it rolled into the next and so on. It's definitely something you'd do with kids but sometimes, even as adults, it's the basic things that can work best!
There's some good articles on saving that are a bit tongue in cheek but might help!
magentafp.com
magentafp.com
Also some handy hints on getting kids to save-
magentafp.com
And a spending planner and Christmas planner
magentafp.com
Really hope they're useful. Twas my bag writing such articles in a former life so there's no ulterior motive in sharing them- just hope they're helpful
A friend of mine used to draw out £10 a week for all fun spending. If he didn't spend it that week, it rolled into the next and so on. It's definitely something you'd do with kids but sometimes, even as adults, it's the basic things that can work best!
There's some good articles on saving that are a bit tongue in cheek but might help!
Can you 5:2 your finances? Part 1 - Magenta Financial Planning
Could a financial diet be just what we need to curb excess spending? Does the 5:2 diet work just as well for our finances as our waistline? Find out more!
magentafp.com
Can you 5:2 your finances? Part 2 - Magenta Financial Planning
Could a financial diet be just what we need to curb excess spending? Following on from our first blog, we look at more popular diet plans and give them the financial spin.
magentafp.com
Also some handy hints on getting kids to save-
Spend, Save, Share- help your child learn healthy financial habits today!
When we become parents, we often think of the things we’d like to pass down to our children. Will they have Dad’s hair colour, Granddad’s love of nature or maybe Mum’s artistic flair? How many of us place positive financial behaviours at the top of that list?When it comes to fostering a positive...
magentafp.com
And a spending planner and Christmas planner
**Free Christmas Spending Planner**
Our Free Christmas Budget Planner is designed to save you from seasonal spending stress.November is here. With Christmas being but a whisper away, many of our minds are occupied with plans for parties and presents. The festivities can, for many, be a cause for financial concern. Unplanned for...
magentafp.com
Really hope they're useful. Twas my bag writing such articles in a former life so there's no ulterior motive in sharing them- just hope they're helpful
I really want/need to do this but I already need to buy high hair ,drawers and foot muff for my baby when I get paid on Friday .I also have a birthday in October .
How did everyone do today?
Even though I created this thread, I have to admit- I kinda have failed 
I met up with a friend I’ve not seen in 7 months and treated myself to lunch, some make up and a couple of food items for future dinners/lunches/cupboard and then booked myself a dental hygienist appointment (But it felt so good for my MH and Wellbeing to be out the house) so I may just try again tomorrow
I met up with a friend I’ve not seen in 7 months and treated myself to lunch, some make up and a couple of food items for future dinners/lunches/cupboard and then booked myself a dental hygienist appointment (But it felt so good for my MH and Wellbeing to be out the house) so I may just try again tomorrow
You only fail if you quit hun. Do the best you can every day and that's it. Nothing more and nothing less. I still spend a lot of money on therapy sessions whilst it may be seen as an indulgence for someone else.Even though I created this thread, I have to admit- I kinda have failed
I met up with a friend I’ve not seen in 7 months and treated myself to lunch, some make up and a couple of food items for future dinners/lunches/cupboard and then booked myself a dental hygienist appointment (But it felt so good for my MH and Wellbeing to be out the house) so I may just try again tomorrow
I also had lunch with a friend today.
A dental appointment isn't a waste spend in my book and every one needs to eat!
Day 1 - failed (bought £20 of unnecessary items )
Day 2 - passed
Day 3 - passed
Current struggle: not spending money on activities for toddler (most of the free things we do are outside and the weather hasn’t been good)
Not sure how well I’ll do as the month goes on but this is definitely inspiring me to write up a detailed budget as it’s highlighting things that are worth (and not worth) spending money on!
)Day 2 - passed
Day 3 - passed
Current struggle: not spending money on activities for toddler (most of the free things we do are outside and the weather hasn’t been good)
Not sure how well I’ll do as the month goes on but this is definitely inspiring me to write up a detailed budget as it’s highlighting things that are worth (and not worth) spending money on!