2023 Calendar No Spend Challenge

2023
C A L E N D A R
N O S P E N D C H A L L A N G E
Just keep moving forward.

HOW TO DO THE NO SPEND CHALLENGE
This is a financial challenge where you can commit to not spend any money on non-essential items for a month.
The goal is to save money and become more mindful of one's spending habits.

What to expect?
You are typically allowed to spend money on essential items such as food, bills, and transportation, but are
encouraged to cut back on unnecessary expenses such as dining out, shopping for clothes or entertainment.
Steps you can take to successfully complete the no spend challenge:

Set your Savings Goal for the month: Set the goal for how Track your spending: Keep track of your spending during
much you want to save. the challenge, so you can see how much you're saving.
Make a list of essentials: Make a list of essential items that Find free alternatives: Look for free alternatives to the non-
you will need to purchase during the challenge (e.g. food, bills, essential items you typically spend money on. For example,
transportation). instead of going out to eat, cook at home. Instead of buying
new clothes, borrow from a friend or go thrift shopping.
Identify non-essential items: Meaning, items that you
typically spend money on (e.g. dining out, shopping for clothes, Be accountable: Tell your friends and family about your
entertainment). challenge and ask them to hold you accountable.
Make a budget: Make a budget for the challenge that includes Reflect: Reflect on your spending habits and how you can
money for essentials, but cuts back on non-essential items. continue to save money after the challenge is over.
"Remember that it's ok to slip up, the goal is to be more

aware of your spending and make conscious decisions". Just keep moving forward.
January Savings Goal:
SUNDAY

MONDAY

TUESDAY

WEDNESDAY

THURSDAY

FRIDAY

SATURDAY

1 2 3 4 5 6 7

Exception for the

month:
8 9 10 11 12 13 14

15 16 17 18 19 20 21

22 23 24 25 26 27 28

29 30 31

Reward:
February Savings Goal:

SUNDAY

MONDAY

TUESDAY

WEDNESDAY

THURSDAY

FRIDAY

SATURDAY

1 2 3 4

Exception for the

month:
5 6 7 8 9 10 11

12 13 14 15 16 17 18

19 20 21 22 23 24 25

26 27 28

Reward:
March Savings Goal:

SUNDAY

MONDAY

TUESDAY

WEDNESDAY

THURSDAY

FRIDAY

SATURDAY

1 2 3 4

Exception for the

month:
5 6 7 8 9 10 11

12 13 14 15 16 17 18

19 20 21 22 23 24 25

26 27 28 29 30 31

Reward:
April Savings Goal:

SUNDAY

MONDAY

TUESDAY

WEDNESDAY

THURSDAY

FRIDAY

SATURDAY

Exception for the

2 3 4 5 6 7 8
month:

9 10 11 12 13 14 15

16 17 18 19 20 21 22

23 24 25 26 27 28 29

Reward:
30

May Savings Goal:

SUNDAY

MONDAY

TUESDAY

WEDNESDAY

THURSDAY

FRIDAY

SATURDAY

1 2 3 4 5 6

Exception for the

7 8 9 10 11 12 13
month:

14 15 16 17 18 19 20

21 22 23 24 25 26 27

28 29 30 31

Reward:
June Savings Goal:

SUNDAY

MONDAY

TUESDAY

WEDNESDAY

THURSDAY

FRIDAY

SATURDAY

1 2 3

Exception for the

4 5 6 7 8 9 10
month:

11 12 13 14 15 16 17

18 19 20 21 22 23 24

25 26 27 28 29 30

Reward:
July Savings Goal:

SUNDAY

MONDAY

TUESDAY

WEDNESDAY

THURSDAY

FRIDAY

SATURDAY

Exception for the

2 3 4 5 6 7 8
month:

9 10 11 12 13 14 15

16 17 18 19 20 21 22

23 24 25 26 27 28 29

Reward:
30 31

August Savings Goal:

SUNDAY

MONDAY

TUESDAY

WEDNESDAY

THURSDAY

FRIDAY

SATURDAY

1 2 3 4 5

Exception for the

6 7 8 9 10 11 12
month:

13 14 15 16 17 18 19

20 21 22 23 24 25 26

27 28 29 30 31

Reward:
September Savings Goal:

SUNDAY

MONDAY

TUESDAY

WEDNESDAY

THURSDAY

FRIDAY

SATURDAY

1 2

Exception for the

3 4 5 6 7 8 9
month:

10 11 12 13 14 15 16

17 18 19 20 21 22 23

24 25 26 27 28 29 30

Reward:
October Savings Goal:

SUNDAY

MONDAY

TUESDAY

WEDNESDAY

THURSDAY

FRIDAY

SATURDAY

1 2 3 4 5 6 7

Exception for the

8 9 10 11 12 13 14
month:

15 16 17 18 19 20 21

22 23 24 25 26 27 28

29 30 31

Reward:
November Savings Goal:

SUNDAY

MONDAY

TUESDAY

WEDNESDAY

THURSDAY

FRIDAY

SATURDAY

1 2 3 4

Exception for the

5 6 7 8 9 10 11
month:

12 13 14 15 16 17 18

19 20 21 22 23 24 25

26 27 28 29 30

Reward:
December Savings Goal:

SUNDAY

MONDAY

TUESDAY

WEDNESDAY

THURSDAY

FRIDAY

SATURDAY

1 2

Exception for the

3 4 5 6 7 8 9
month:

10 11 12 13 14 15 16

17 18 19 20 21 22 23

24 25 26 27 28 29 30

Reward:
31

2023 Calendar No Spend Challenge

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2023

Just keep moving forward.

Steps you can take to successfully complete the no spend challenge:

"Remember that it's ok to slip up, the goal is to be more

Exception for the

February Savings Goal:

Exception for the

March Savings Goal:

Exception for the

April Savings Goal:

Exception for the

May Savings Goal:

Exception for the

June Savings Goal:

Exception for the

July Savings Goal:

Exception for the

August Savings Goal:

Exception for the

September Savings Goal:

Exception for the

October Savings Goal:

Exception for the

November Savings Goal:

Exception for the

December Savings Goal:

Exception for the

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