“I Decided I’m Going on a Spending Fast for One Year. Today is Day 1.”

kelly newell scout dry goods omaha

Earlier in the month I got a text from my sister, Kelly, and it said, “I decided I’m going on a Spending Fast for one year. Today is Day 1.” Internally, I completely freaked out. But, I tried to keep it contained so I didn’t seem too excited (for the fear of scaring her off with my over-the-top enthusiasm). I replied with a simple and contained, “Whoa. Cool!” All of my family and friends have been hearing about the Spending Fast for a grip now, and I’ve never pushed it on anyone. My thinking is that they know I’ve gotten out of debt, they know how I did it, and if they want to ask me any questions or have me give them any support through a getting out of debt mission (Spending Fast or not) that I am totally there for them. You can’t force anyone to do anything because that’s just obnoxious, and it doesn’t work anyway so I don’t do it. Plus, the Spending Fast is hard, and it can really, really suck at times so you’ve got to be ready to deal with that if you’re going to take on a Spending Fast. (While it’s insanely effective, it’s not magic; hard work and sacrifice is required so, sometimes, other methods should be tried 1st.) All that to say that I am soooooooo, sooooo excited (I’m not gonna hold back now), and proud of my sister for making the decision to change her life by doing a Spending Fast. I’ve seen how powerful it can be in my life and in other people’s lives so I’m excited to see how it will end up changing someone’s life that I’m so close to. Plus, it’ll be interesting to be on the other side of a Spending Fast… 


Hi, I’m Kelly, Anna’s identical twin sister. My stats: 35 years old, business owner, recently divorced, 3 kids under 10, boyfriend, no pets. I’m currently embarrassed by how much debt I have so I’m not going to say the full number yet. I’ve been thinking about doing the Spending Fast for years, and now it’s finally time to do it. I’ve got credit card debt, lawyer debt, student loan debt (owed to a financial institution and to my parents), a car loan and another debt. I’ve seen Anna’s success with getting out of debt and with how quick she’s was able to do it, and I want to be debt free too.

I started the Spending Fast officially on November 5, 2014.

My biggest trouble areas are eating out and unfocused spending at places like Target.

Like Anna, after I decided to do the Spending Fast I felt instant relief, and then, about an hour after that I got notified that a tax return appeal that I was hoping for did indeed come through so I put that money directly on my number 1 priority bill: my personal credit card. I also redeemed awards from my bank for cash ($150), and put that money towards my credit card debt, as well. 3 days into the Spending Fast, and my personal credit card was completely paid off! $6,884.21 saved! Had I not decided to do the Spending Fast I would’ve spent that tax return money on random stuff, like usual, and my debt would still be there.


Other things I’ve done this first week to save money…

Read More »


in Kids, Paying Off Debt, Spending Fast, Spending Fasters !!NEW!!, Student Loans
Sometimes Being Selfish is the Best Option – Here’s Why

sometimes you must do whats best for you andthenwesaved.com

“Sometimes, you must do what’s best for you and your life, not what’s best for everybody else.” – Unknown

When I start thinking about creating these hope/motivational posts (because they are SO needed when you’re in the trenches of saving money/getting out of debt) I scroll through my ever-running list of quotes, and I think, “Okay Universe, what does someone need to hear today?” And then, I’m drawn to one quote over another. I like to think that it will help one (or ALL!;) of you get just the push you need to keep going, and help you stay motivated on your trek to a life free from debt!

It can get really tough battling debt, so we’ve got to stay strong as we fight the evils of debt together! (I just imagined like, a zillion She-Ra’s with swords drawn, and debt just dropping dead all over the place. You too? Okay, good.)

Now about this quote here… So, CLEARLY it’s great to care about how your actions will affect others but sometimes you’ve got to say, “Screw it!”, and maybe be a little selfish if that’s what it takes to get yourself to a healthier place. I think this concept applies to all areas of life, and not just to the financial aspect. Do you have people in your life that are keeping you in unhealthy habits? And then do you in turn feel like crap because the choices you’re making aren’t honoring the TRUE you? If so, that’s a feeling you should listen to. You’re getting those shitty feelings for a reason… to prompt you into action.

Sometimes friends/family/partners don’t “get” why you would want to get out of debt if it means you have to do some sacrificing. I understand that to a point, and I believe that it’s usually because they love you and don’t want to see you suffer. However, if you find that after you tell certain people that you’re trying to get out of debt, they still pressure you to spend, and minimize your efforts and successes even after they’ve had time to come around then it might be time to be “selfish” in your effort to become a better you.

For me, being “selfish” meant that I had to tell people stuff they didn’t want to hear sometimes. Usually that was saying, “No” to invites to dinner or lunch out, saying “No” to concerts, and saying “No” to trips. It wasn’t fun to do, and some people got mad and called me selfish but I did it, and made it to the other side. And you know what? I’m glad I stuck to my mission, and was committed to at least trying to become debt-free. To me, in those instances, being selfish was needed, and absolutely the best option for me to make.


What do you think? Have you ever had to be “selfish” in order to protect what’s best for you? I sure have. Would love to hear your thoughts on this. 


in Motivation
“Our Journey Through Debt- How We Paid Off 25k Doing the Spending Fast…”

our journey through debt

This is a guest post by Alicia Lawrence who has been doing a Spending Fast. -Anna

It’s been one year since my husband and I started our Spending Fast. Since then we have knocked out over $25K in debt (not including what we paid in interest). Anna has asked me to share my journey to getting out of college debt free and how we are tackling my husband’s debt now.

The Backstory

After I graduated college, I was one of the few that made it debt free. But that freedom was short-lived as I married someone who did have debt, and surprisingly more than he had anticipated. The average student loan debt is $27K, my husband had accumulated almost $60K. After our honeymoon, it was a rude awakening when my father-in-law sent me the passwords and links so we could start paying it off. I knew my husband had some debt but the real amount was twice what either of us expected.

For one, coming from money-wise parents, I couldn’t understand how they didn’t know about the amount of their debt. My husband was never encouraged to find the best loans or figure out how to get scholarships. Me, on the other hand, was searching and applying for scholarships since sophomore year in high school.

Start While You’re Young

Even before that, my parents had started a 529 Plan when I was born. Growing up in Alaska, each year every resident receives a Permanent Fund Dividend (around $1,000). Instead of giving that money to me they placed it in my 529 Plan to grow interest until college. By the time I left for college, I had over $30K in my 529 Plan to help me pay for lodging, books, classes and any other student finances I would need.

On a side note, I also worked summers and part-time jobs through college. I placed 35% in savings and the rest was used for living expenses and spending. After college, I had saved over $5K for emergencies. Glad I did since my husband and I didn’t find steady jobs till three months after our wedding. During those three months, I created budgets and action plans on how to pay off the debt quick, but you need money to pay off debt and that wasn’t something we had at the time.

We both got multiple retail jobs hoping it would hold us through till we could get “real” jobs, which finally happened a few months later. So now you know the back story, let me tell you what we are doing now.

How We Made Our Way Through Our Debt… 

Read More »


in Guest Interviews, Spending Fast, Spending Fasters !!NEW!!, Student Loans
What Kind of Life is Waiting for You?

get out of debt motivational quote

“We must let go of the life we’ve planned to have the life that is waiting for us.” – Joseph Campbell

In a lot of ways starting the Spending Fast was scary. It was super exciting but also kind of, a little bit scary. I had no idea what I was getting myself into. I only knew that I could no longer go on living the way I had been. I knew I had to change my life and to change my life I had to let go of some of my old ideas. I had to let go completely to my old way of life. I had to be open to the possibilty that life could be better. That life could be different.

Once I let go my life changed. I decided to make one decision- do the Spending Fast, and that’s when my life changed. You can change your life too. You can let go and see what is waiting for you. I dare you to give it a try. You deserve the freedom that comes from being debt-free. Trust me, it’s a great way to live. I want you to be free to live that awesome life that’s waiting for you.

What kind of life is waiting for you?


in Motivation
Month Four Savings Total: Tales from the Spending Fast Trenches

spending fast savings total

This is a post by Chelsea who is currently doing a Spending Fast®.

Wowza, the end of Month 4 is here! It feels like it has just FLOWN by. I am now settled into my new life in North Carolina and must say that it is absolutely amazing. I have a new apartment which has a dog park so my bulldog Xena is happier than ever. I have a new job that I am extremely challenged by and there is tons of room for growth and advancement. I have finally found a career instead of a job!  My job is about 30-45 minutes (depending on traffic) from my house and my car crapped out so I had to buy another one. My old car was with me for 10 years and it was time to let her go. Although I now have a small car payment, I was able to find a car that should last me many years and will definitely get me to work safely. I am fully back on my Spending Freeze and it feels great knowing that I will have reliable transportation for a change.  Talk about a stress relief!

I have successfully completed my 4th month on the Spending Fast and I am happy that I was able to pay more towards my debt than last month! Unexpectedly moving from Ohio to North Carolina kinda put a dent in my ability to pay towards my debt, but I am happy to say things are back in action. Without further delay, here are my Month 4 results:

Starting debt: $24,996.98

Total starting Month 4: $23,502.54

Total debt paid during Month 4: $297.83

New debt total: $23,204.71

While this month wasn’t as amazing as what I was able to pay in Month 1, it was still encouraging! Things are on the rise and I am motivated more than ever! My new job had two weeks worth of training which took up basically all of my brain power. This week is my first week actually doing my job so I will have the evenings to focus on generating more income for debt payments! I am excited about the future and about getting one month closer to being debt free.

If you’re on a Spending Fast and have been struggling, stay postive and encouraged! You will always be moving in the right direction as long as you keep on truckin’.


How are you doing in your journey towards financial freedom? If you are already debt free (congrats!), what are the financial goals you’re working towards? 

Chelsea Overton is in the midst of a Spending Fast® and writes about it from North Carolina with her bulldog, Xena the Warrior Princess, by her side. She also has her own website where she logs her journey towards financial freedom. 


in Paying Off Debt, Spending Fast, Spending Fasters !!NEW!!
Turns Out, Change is Great!

change is great

This is a post by Chelsea who is currently doing a Spending Fast®.

Change can be such a scary concept! Leaving the life rituals that you are used to and starting something new seems almost suffocating at times.

I was living in Ohio and having to work two jobs because after seven months of living there, I still couldn’t find full time employment. The world as I knew it ended and here I am, three weeks later, sitting in my new apartment in North Carolina with not one but two full time job offers. I have no idea which one to pick! How did I get to this point? Does it matter? What an awesome predicament!

Change is awkward and uncomfortable and unfamiliar but sometimes it’s good. Although I am very lonely and unhappy about my recent relationship split, I now have time to focus on my career. Which, when on a Spending Fast, is a great thing! What do I wanna be when I grow up? I have no idea! Now is a great time to channel my energy into figuring that out.

During the move, the bottom drawer to my dresser decided to break. My apartment has a big enough closet that all of my dresser items can fit inside it. As I was starting to take the dresser to the dumpster, I realized that I don’t have a desk. And a desk is really just a dresser without the drawers! So I took that bad boy back inside and started unscrewing the drawer brackets. After about 30 minutes of work, I have a new desk! It got beat up a bit in the move so I will have to paint it but instead of spending money on a desk, I created a free one. I changed something familiar into something new and useful.

After thinking about it, isn’t that what being on a Spending Fast and paying off debt is all about? Deciding to commit to the change instead of pushing against it. Changing your spending habits may seem weird and uncomfortable now but in the long run, it’s going to be beautiful and make your life more functional.


What are some ways a life change turned out surprisingly well when at first you weren’t sure it’d all work out okay?

Chelsea Overton is in the midst of a Spending Fast® and writes about it from North Carolina with her bulldog, Xena the Warrior Princess, by her side. 


in Motivation, Spending Fast
It’s an And Then We Saved Sketch Video!

I’m thrilled to show you this short sketch video that Becoming Your Own Bank created for And Then We Saved. If you haven’t done so already (or if you want to re-new your pledge) sign-up for the Debt Free Life Pledge right here. I don’t get anything out of you taking the pledge. I really just want you to have a debt-free life too! xo, anna

Thanks Becoming Your Own Bank!


What do you think does the sketch video tell my story and the And Then We Saved story well?



in Just For Fun, Motivation
Month Two Totals: In the Spending Fast Trenches

spending fast savings totals

This post is by Chelsea who is currently doing a Spending Fast®.

My second month of being on a Spending Fast has come to an end and I must admit that I am thankful. During the first month I was all like, “Woo, look at me! I’m saving money and being awesome.” This month has been more like, “Ugh, I really want to buy nail polish and chocolate and wine and this whole not spending thing sucks.”

I know that by writing about my journey through And Then We Saved and on my personal site, I have been able to stick with my commitment. It is so tempting to cheat and buy something small every once in a while, but knowing I will have to report back on my progress has helped tremendously. I am an extremist by nature and often get pumped up about doing things and then burn out almost immediately. I jumped into the Spending Fast with the notion that I was unstoppable and could do anything. After eating cold soup (no microwave at work) and cracker sandwiches for lunch, the idea of being on a Spending Fast has become a reality. I am so grateful to receive motivation and encouragement from all the readers who share similar experiences. It’s comforting to know I am not alone.

All that being said, it’ s time to report my month two totals. Drum roll please…

My Month Two Spending Fast Totals…

Read More »


in Savings Total, Spending Fast, Spending Fasters !!NEW!!
How To Stay Motivated Throughout the Entire Year

how to stay motivated

As with many resolutions, made at the New Year and beyond, we start out strong towards a goal. But as time goes by and glitches in the road trip us up, we tend to lose our steam. When our path to debt freedom is sidetracked by an unexpected expense or we fall off the wagon when we see something we just ‘can’t live without!’ we tend to get down on ourselves and blow our commitment towards getting out of debt and staying there.

Staying motivated is possible for all goals – but you have to work at it.

How To Stay Motivated To Get Out Of Debt For The Whole Year…

Read More »


in How To, Motivation
Let’s Talk Morality – How Far Would You Go to Pay Off Your Debt?

how far would you go to save money?

When I was on my Spending Fast® and Spending Diet I wanted nothing more than to pay off my debt, and I wanted it done quickly! I had opportunities where I could’ve taken advantage of the situation and put my dishonestly accrued “savings” into paying off the debt. Desperate times, call for desperate measures, right? And when you are very serious about saving money, living frugally and/or paying off debt – you may find yourself tempted to steal or do other bad acts in an effort to reach your financial goals. I’m curious would you steal? Would you not tell the cashier if he accidentally forgot to ring up something? How far would you go to save money and get that debt paid off?

How Far Would You Go to Pay Off Your Debt? Would You Steal, Be Dishonest, or Do Other Bad Acts? 

Read More »


in Paying Off Debt
Credit Cards in Ice Blocks and Other Urban Myths About Money

urban myths about money

Have you heard the one about the lady who freezes a credit card to prevent her from spending (have you ever frozen yours)? There are a lot of myths out there about money that are believed by a good majority of consumers, so it’s important to recognize the myths when you see them, educate yourself, and change your habits to include true financial knowledge.

Money Myths to be Aware of…


in Bankruptcy, Money
28 Reasons Why Budgets Suck! (& What REALLY Works)

why budgets dont work

If you hate budgets you’ll LOVE this. When we start thinking about saving money and getting our financial lives in order the word that comes to most people’s minds is the word ‘budget’. I know budgets work for some people, and if they work for you I’m really glad (tell me your tips!) but they’ve never worked for me even though I’ve really wanted them.

28 Reasons Why Budget’s Suck…

Read More »


in Paying Off Debt, Spending Diet, Spending Fast, Struggle (Hopeless, Demoralized), Take Action!
A Year of Living Awesomely 2013 Calendar!

2013 calendar

2013 calendar

Every time you look at the calendar think of it as me cheering you along! This is gonna be the best year yet!

Since I like ya so much and because I want you to succeed and be motivated with everything you do I’ll be selecting 2 random winners to win A Year of Living Awesomely 2013 Calendar!

Don’t feel like gambling? Buy the calendar below (available for US and International shipping). This is a great gift to ask for and to give;)

details: $11.95, 6″x9″, cover, hard backing, hole at the top for easy hanging, order by 12/15/12 for best chance of delivery by the 25th



  • Must use the Rafflecopter entry form below
  • Giveaway is open until 12/5/12
  • Like And Then We Saved on Facebook
  • Follow And Then We Saved on Twitter 
  • Tweet the phrase: “@AndThenWeSaved is giving away A Year of Living Awesomely 2013 Calendar & I just entered cuz I wanna win it! http://wp.me/p2GORN-Gi”
  • Two random winners will be announced on this post 12/6/12!
  • Good Luck!

a Rafflecopter giveaway



in Giveaway, Personal
How to do a Spending Diet

how to do a spending diet

This week I’ve been thinking about how The Spending Diet should work. I thought I had it figured out and then I didn’t and then I did and well, I wanted to have a plan that would work for me for life. Not something that I wouldn’t be able to keep up. So. I think I’ve got it sorted out now and I’m ready to spill the details.

The other day I was talking with a pal I hadn’t seen in awhile and he’s all “I’m doing the budget thing too” and I’m all “Oh, I’m not budgeting” then he’s all “Yeah, you are.” Me, “No, not really I wasn’t spending any money at all.” Him “That’s budgeting.” Me “Uh, no it’s not”. Him “Uh”. Me “Uh”. Him “Uh”. And so on and so on for like 5 minutes maybe more, and then we said our “goodbyes” and that was that.

Since budgeting is something that I tried pre-Spending Fast and since I didn’t have success with it I never considered that what I was doing was a budget technique. I don’t know, maybe it is? Maybe it’s just the word that I don’t like. That is a possibility. It’s kind of like the word “networking”. That word is scary but that’s all that’s scary about networking. Anyway, that’s totally off the topic. So, for me budgets weren’t a fit. I don’t like the category thing and defining a certain amount for each category and then going over or under categories and what if a certain thing goes into 2 categories?! Then WHAt!? Then WHHAHHHHATTTT!!!?? PANIC!!

Budgets work for millions of people and that’s cool. There’s a ton of different ways to do the same thing.

Anyway, here is my Spending Diet plan that I don’t think of as a budget:


How to do a Spending Diet

1. Make list of my NEEDS. These are things like: shelter, phone, food, utilities, mortgage/rent. See my original Spending Fast Needs list here. I’m going to re-do this list. Re-evaluation is a good thing.

2. Out of my NEEDS list figure out where costs can be reduced.

3. Stop spending money. (simple but not easy!)

4. When a NEED from the NEEDS list pops up I’ll spend money on those. Those are NEEDS. Those are okay.

5. Since this is the Spending Diet and not the Spending Fast I am allowing myself a $200 $100 limit on “non-needs” for the month. Things that go into this section are things like: clothes, make-up, entertainment, dinner out, other random “non-needs” stuff. I’ll follow this criteria for purchases so I don’t go buck wild buying corn dogs and bubble gum.

6. I’ll keep a running monthly tally of the money I’m spending on “non-needs” and once the $200 $100 is hit then that’s it. I’ll stop spending money and go into the Spending Fast mode for the remainder of the month.

There you have it! My Spending Diet Guidelines!

With this plan I hope to have a life long livable plan that works for me. I’m hoping with this plan I will be able to live in the world of “Enough” and not feel the deprivation I felt with the Spending Fast and also I won’t feel the tedious-ness that a budgeted life makes me think of.


in How To, Paying Off Debt, Practical Solutions, Spending Diet, Spending Fasters !!NEW!!, Staying Out of Debt, Take Action!, Things To Do
Trade you a Liberry for a Library

Whether you pronounce it lie-berry or lie-brary nothing is better than the library. If you’re fortunate enough to live in a city that has a library system half as good as the one here in Denver then you’re a lucky little chap.

The library system here is so great because you can go online, type in your library card number then look for any book, movie, magazine, cd, tv series that you’re interested in and then say what branch you want to pick the item up at and they have it delivered there for you.


Can you spell a-w-e-s-o-m-e?

Sometimes, I’ll find myself in a certain well known book store using the camera on my cell phone to take a picture of book covers I’m interested in so that I can then go home and look the title up on the library’s website. Better that than shelling out the money for a book I’ll read once and then it just gets shipped off to the basement only to start the getting-musky process.

There have only been a couple instances where the library didn’t have the item I requested. I still don’t know why they wouldn’t carry the tv series “Hogan Knows Best”. What do they have against big blonde muscle-y wrestlers? It’s not like its a moral issue or anything like that because they carry “The Girls Next Door” and I can almost guarantee they will be carrying “Jersey Shore” just to please Snooki.

Also, I can tell you from personal experience that paying the late fees stinks. Our library recently lowered the check out limit for overdue fees from $10 bucks to $5.  I was bummed as I paid a whopping $7.75 in late fees the other day.


My friend, is NOT in the Spending Fast budge. Never thought I would say this, but the money actually hurt as it left my card. I had been doing so good before the fateful checkout counter run-in.

I’ll suppose I’ll have to forgive you library. You un-wieldy beast you.

I love the library because if I have an interest in a topic either vaguely or huge-ly I can research it from every angle up and down and all for free… that is if it gets returned on time.

So, I’ll keep checking things out and keep my fingers crossed that sooner or later they’ll come to their senses and order “Hogan Knows Best”.


in Spending Fast, Spending Fasters !!NEW!!, Things To Do
Reducing My “Needs” Even More – Spending Fast Progress Report

Here’s an mini-update of things I have done to reduce my out-going costs even more:

  • Changed my 1/2 size locker at the gym to a cube one that is $4 less per month
  • Bought face wash that was $7 less than my normal one
  • Consistently making coffee at work… un-told savings there
  • Checking out cd’s from the library instead of buying new music online
  • Swiping and then returning (of course) old magazines from the gym
  • Ran out of yummy smelling fabric softener and not gonna replace it
  • Making homemade notepads out of scrap paper (8×10 paper cut into 4’s and then stapled together)
  • Constantly working at eating away my soup collection (makes it sound like I bought all that on purpose if I call it a collection, see)
  • Decided to not take showers or eat or buy stamps in an effort to cut costs even more
  • Lied about the last thing on my list

in Do Without, Paying Off Debt, Spending Fast, Spending Fasters !!NEW!!
Knew it.

It was inevitable that this day would come.

The groceries went and ran out.

All that’s left in the cupboards was bought months and months ago. I like to think that it actually LIKES to fill the space with no REAL intention of ever REALLY getting eatin. Like that’s what it was meant to do. Sit there and look cute for me. Dance! I said Dance!

Let’s be honest- I’ve had no intention of eating those non-perishables. They comfort me. I like to know that they are just THERE. I don’t know why I have this issue. It’s not like I grew up hungry eating out of trash cans or during the depression or anything like that. For some reason though, I’ve been avoiding those back-of-the-cupboard-space-filling-foods like H1N1 and felons.

Why eat that stuff if there is the option of eating something else. Anything else. I mean. Really.


Tonight the dinner choice is oatmeal (eh) or canned split pea soup (meh).

I’m going with the soup.

That oatmeal made eye contact though so I know we’re gonna have a date before too long… even if I don’t want to take the call.

Stupid oatmeal.

This makes me feel better about soup and not at all better about oatmeal:

one comment

in Personal, Spending Fast, Spending Fasters !!NEW!!, Struggle (Hopeless, Demoralized)
Spending Fast Day 5 – Am I Really Going to Do This for a Whole Year? Shit. (Difficulty and Reality is Setting in.)

It’s only DAY 5 but things are getting difficult. The bills have been paid and this is usually the point of the month where I go through my Etsy favorites and see what I want and then justify why I NEED it and then I simply buy it.

I’m starting realize that just because I have money in my account and I like something that that isn’t nearly enough of a reason to buy it.

Around this time of the month in the past I would find myself at Walgreens purchasing something we can probably all agree is a need, you know, something like toothpaste and then I would find myself starting to wander to the make-up aisle to see if there is any new shade of make-up I should be testing out or something else that would be some sort of miracle cure for some problem I never knew I had until I saw an item I was convinced would fix the mysterious ailment that I have suddenly acquired. Then by that point I would find myself walking out of the store with a $62 bag of crap that I really didn’t need at all and the toothpaste had been completely forgotten.

Also around this time of the month, I used to make my way over to the famously inexpensive and trendy, yet shabbily built clothing and accessory shop Forever21. I liked to see if there might be something to add to my wardrobe to make myself feel better about myself and all my hard work at the gym. After all, what’s the point of working out if you just have crappy frumpy clothes to wear? The answer is- there is no point. Health should be a good enough reason but somedays it’s just not. Then, as anyone who has shopped at Forever21 knows the item usually falls apart after a few washes and is definitely not anything that I would say is any sort of investment. Disposable is what that clothing is and that’s exactly what I was doing with my money before I started this spending fast. Mindlessly and aimlessly disposing of my money.

This whole process has made me realize that the dollar really doesn’t mean all that much to me. If it meant more I probably wouldn’t be so fond of letting it go from my grasp.

It has been really hard to shift my habits to start thinking differently about money and spending and saving and about what I do with my spare time (since I’m not finding myself in stores as much ’cause it’s not all that fun if you can’t buy anything. can I get an amen.)

Surprisingly, I’m actually feeling empowered and more willing to make the right choices financially. It could and most likely is because I feel accountable since I have said I would tell you all about any set-backs that I may have. And… I don’t want to mess up because I don’t want to tell you about messing up.

Because of the spending fast I have:

  • Cancelled the internet on my phone
  • Down-sized my unlimited text messaging package
  • Down-sized my fancy html email service (it’s almost free now)
  • Reserved some books from the library about being financially responsible (I’ll tell you all about which ones in another post)
  • Kept the thermostat mostly at 68 degrees
  • Ran out of shampoo and then found some old discarded shampoo hidden away in a back closet and have actually been using it
  • Monitoring how long I’m in the shower and trying not to be in there forever like I used to do
  • Decided that I shouldn’t be using my dryer (that is right next to the shower) as a towel warmer for my princess ass
  • Ate shriveled grapes even though I didn’t want to
one comment

in Motivation, Personal, Spending Fast, Spending Fasters !!NEW!!, Struggle (Hopeless, Demoralized)
Day 2 of the Spending Fast.

roller skating is free






















Rollerblading around a park is free. So, that’s what I did today. Money spent $0.


in Spending Fast, Spending Fasters !!NEW!!
Spending Fast Day 1 – The Mall? Really? (Irony at it’s Finest)

It’s the 1st day of my year-long Spending Fast and I ironically found myself at the mall with the hub. Say what? Yeah. I know.

It was kinda like testing myself and probably way too soon. It’s DAY 1 for goodness sake!

He wanted to return something and I said “I can do this. I can handle it…” and I did but it was kind of a weird experience going there knowing that no matter what “Great YEAR END/NEW YEAR Deal” I saw and whatever I found that I couldn’t possibly live without that I was in-fact going to walk out of there item-less. Oh, poor me huh. I know what you’re thinking and yes, I did do this to myself.

Browsing from store to store I was surprised to find that through this project that I may actually be able to find myself released from the burdens of my self-imposed debt. The constant heaviness of that debt that however subtle it feels on somedays is always there. It prevents me from doing certain things and definitely holds me back. If not literally then mentally.

Being in those stores I found that I no longer had the unspoken pressure/expectation to spend. That due to the Spending Fast that expectation has been removed (at least for the moment). Ok. I proved my point. Now, can I stop? ha.

In lovely lovely Anthropologie, it was a new experience to be able to enjoy the smells and textures and the true beauty of the items. Strange. Needless to say, that was quite a different experience than I usually have in shops. Usually I am consumed with the desire to find the best thing for the best price so I can be the best at whatever I’m trying to do/look-like/whatever. The American way? Be the best-est?

I’m happy to say that I left the mall awkwardly empty-handed.

Todays experience made me realize that I have been constantly and mindlessly spending money based primarily on convenience, instant gratification, boredom and I’ll be honest… out of laziness too. It’s a lot easier to buy a new shirt or skirt than try to figure out an outfit from old stuff that I’m sick of already.

This is only Day 1 with a total of $8 spent (on oranges, cilantro and other grocery store fruits) and who knows how much saved. As I sit here freezing (68 degrees on the thermostat) with a hat on and 2 pairs of socks I’m excited to see what other revelations come into being throughout the year… however hard it is in the beginning I think it will be worth it in the end.


Back in my home town of York, pa a local film critic spent half of every review she wrote explaining why it is so awesome that she is a film critic. ¾ of the column was dedicated to her awesomeness yet the review totally stunk.


in Paying Off Debt, Spending Fast, Spending Fasters !!NEW!!
  • Anna

    Hi, I'm Anna! I paid off close to 24k in debt in only 15 months & it completely changed my life! I want you to have a debt-free life too so here you'll be able to read all about: How to do a Spending Fast®, saving & making more money, DIY's, & a lot about living awesomely with less. Let's do this!

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