Welcome to No Spend Challenge Lifestyle. I’m Anna – a writer and dreamer. This website is one of my dream projects and it’s all about increasing your savings and reducing debt by eliminating impulse daily spending.
When you start practicing a no spend challenge lifestyle, you’ll be able to build discipline, develop delayed gratification and intentional spending habits plus start seeing real growth in your money.
Here’s a little bit about my money life journey for inspiration and for you to get to know me a little better:-
- 2007 – 2009 – Recession. Laid off multiple times.
- 2009 – I was over $45,000 in debt, had only $800 in savings, terrible eating habits and everything really sucked that year. I wanted to run away! Having pot noodles for dinner was a treat in those days.
- 2010 – I began making the changes and sacrifices required to pay off that debt and build my savings. I also started eating better and became a workout maven. Investments were at the bottom of my priority list.
- 2014 – Debt-free, fully funded emergency fund, backup emergency fund, retirement accounts getting to the target + healthy lifestyle.
- 2015 – quit and started my own business. Savings rate slowed down but I still maintained my spending habits and remained debt free.
- 2015 – 2018 – I lived my best life, traveling, sleeping (I love sleeping a lot), spending time with my friends, reading, and writing.
- 2019 – I decided to move countries which took a significant chunk out of my savings.
- 2020 – pandemic smackdown, severe income loss, and savings rate reduced significantly. Back up emergency fund disappeared. Started creeping into actual emergency funds. I still remained debt free. Nothing was ever going to make me borrow money again in this lifetime.
- 2021 – very very tough year but I stayed true to my plan and took it one day at a time. I was just grateful I never fell sick (COVID).
- 2022 – the world started emerging from the pandemic and I jumped back into my business. I tripled my income and saved pretty much every penny I made on one business while living off the money made from my other business (multiple streams of income ftw).
- 2023 – All savings, emergency funds, etc fully funded again. Back in school and trying to figure out my travel life this year. Started No Spend Challenge Lifestyle because saving money should be fun!
Through it all, I never stop dreaming, coming up with ideas, and making sure every penny I spend is intentional and well thought out.
How did I do it all? Careful planning, lots of savings and investments (I share more in my favorite tools & resources), no spend challenges, following the plan, and remaining open to learning new ways to make my money work for me.
My journey continues, one day at a time, and you’re welcome to join me for inspiration and encouragement.
This website is going to remain 100% ad-free. If you want to support the website, I will let you know how later on but for the moment…enjoy, learn, participate.
Start here to see all the latest posts and if you want to be notified about new posts and monthly no spend challenges you can participate in, join the mailing list below.
