No Buy Challenge
No-spend challenge worksheet
Name the spending you are pausing, list what stays allowed, note bill dates and paydays, and plan the trigger moments.
From:To:
Spending I am pausing
e.g. takeout, coffee out, online shopping, paid outings
Always allowed
Essentials never count against the challenge.
- Groceries and basic household supplies
- Medicine, health care and prescriptions
- Rent or mortgage, utilities and phone
- Transport I need for work, school or care
- Required bill and minimum debt payments
- Necessary repairs and replacements
Bill dates and paydays this period
So nothing required is late.
| When | What usually happens | My plan instead |
|---|---|---|
| Morning | ||
| Midday | ||
| Afternoon | ||
| Evening | ||
| Weekend |