The bad news is time flies. The good news is you’re the pilot. – Michael Altshuler
- CREATE – My professional Theme for 2020
- Attend a meditation workshop
- Hike Lehigh Valley Gorges
- Hike World’s End
- Hike Ricketts Glen
- Write articles of inspiration and motivation weekly – On my way 😊
- Pay off car – On my way 😊
- Yoga on Times Square
- Run a race
- Develop a daily abdominal workout – It is 50 crunches or something abdominal related.
- Find a new recipe for breakfast – Found a migraine avoiding (as best as possible) Blueberry Smoothie.
- Read 5 fiction books
- Go to a car show
- Research compost methods to use at home – Not going to happen at my house
- Contribute max to Roth-IRA – On my way 😊
- Attend an author/podcast tour show – Schedule for By The Book podcast’s book launch/author/host event in NYC
- Take a photography class or learn from YouTube
- Zip Line
- Do the No Spend 2020 challenge – On my way 😊
- Plan a motorcycle day
In addition to the fun stuff in my 20 for 2020, another goal was to not shop.
This is a carry over from 2019 when I could finally say I think I have my shit together. Here are my shopping/spending rules.
What is going to happen in 2020?
- Going to continue my no shopping ban.
- Paying off my car in 2020 approximately 23 months after purchasing it.
- Credit cards will not be used except for pre-planned expenses that are charged to the cards to keep them active. The cards will be paid off each month. Pre-booking a vacation is the only other time credit cards will be used.
- The same essential, approved, and non-essential list concept continues.
- Essential List:
- Toiletries (only when I run out)
- Cosmetics (only when I run out)
- Gifts for others
- Training sessions and gym membership
- 20 for 2020 items
- Approved Shopping List:
- Replacement running shoes
- Purchase anything that must be replaced, but the original item must be discarded
- Brooklyn Public Library annual membership
- Amazon Prime
- Peppermint, lavender, or orange essential oils
- One yoga event (updated this is Yoga in NYC)
- Haircuts and all hair color must be done at home
- Family adventures
- Three books if they make the cut
- End table for the living room
- Non-Essential List
- Books… go to the library
- Magazines… read them quick while in line at the grocery store
- Yoga classes… doing yoga at home
- Manicures and pedicures
Did I follow my rules? Sort of. I decided to cut the cable bill. Check out the post about my battle with the cable company. Cutting the cable bill required the swap of a $15 per month extra channel plan with $6 per month HULU. Then in order to stop paying the $5 per month equipment rental fee, I had to purchase a $30 ROKU. I am still buying and returning indoor antennas. So far nothing is working to get the free channels. I guess you could say that while I spent the money it only reducing my expenses for the future.
I also bought my dog boots. His paws needed some extra protection during the winter on walks.
How much did I save? I contributed the expected amount to my Roth-IRA (33% of my savings goal). I paid extra on my car (40% of my savings goal). The remaining 23% was spent paying off my credit cards after my not so perfect budgeting.
What is on the horizon for February 2020?
I plan to finish my 3rd fiction book, City of Girls by Elizabeth Gilbert. I just started the book and has sucked me in. This book has me so hooked I wish I could take a day off from work to read it.
I plan on contributing 33% of my savings goal to my Roth-IRA and 80% of my savings goal to my car. After having to cut back on my extra payments to my car due to my not so perfect budgeting, I decided to pay a little bit extra on my car.
Are you doing any no-spend challenges? How are you making out?