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January 11, 2021

How to nail a no-spend month

  • If you're looking to shed holiday debt, a spending freeze can get you on track.

    iStock image
    Committing to a no-spend January? Start by defining your discretionary expenses, known as “wants.”

    Holiday spending always gets the best of me. The gifts, the food, the Christmas tree and decorations — sandwiched between two monthly rent payments — siphon money from my bank account. Every year I feel the sticker shock, briefly tuck my tail between my legs, then carry on like it never happened.

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