Hello everyone! Happy New Year, and Happy New Beginnings!

We love a good challenge at the beginning of the year, and January is a great time to get the year in gear with where we want it to go. It’s a great tool for us to learn about habits, triggers and what we’re spending too much on.

Join us as we try our first ever 30 Day No Spend Challenge! Or if you’re watching in September, have a September 30 Day No Spend Challenge!

After Christmas, we wanted to get our saving back on track, so we have cut out all discretionary spending.

It’s helpful to have an agreed upon goal like completely paying off a debt, starting your emergency fund, buying a large item (for us a new pool liner!), or a vacation.

We will give you an update in February to let you know how it went!

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Silver Lining Day Dreams