Participating in No Spend January? Or No Spend May? Or just another monthly no-spend challenge? Good! You are already on your way to saving some money. Money that could be used for something more important. In order to participate, all you need to do is not spend, right? However, if you don’t track your progress, will you really remember whether you succeeded or failed?

To help you keep track of your spending habits, I have created four (4) no-spend tracker designs for you. Whether you are taking part in a monthly challenge or just want to challenge yourself, these designs are perfect for you. Apart from a way to easily track your progress, there is also a field for additional notes. Maybe you want to write down your reward for having managed to stick to the no-spend challenge rules?

Available in both A4 and US Letter sizes, my designs are 100% free and ready to download. Actually, you can download the no spend tracker right now by clicking the button at the bottom of this page 🙂

Printable No Spend Tracker

What’s included:

  • Four A4-sized and four US Letter-sized no-spend trackers for direct download
  • 30-day and 31-day month versions
  • Choose the month by drawing a circle around it: January, February, March, April, May, June, July, August, September, October, November & December
  • A field for additional notes (additional information, your reward for completing the challenge etc.)

What is the No-Spend Challenge?

This may not come as a surprise to anyone, but the No-Spend Challenge is all about not spending money. That’s it. Well, maybe not. After all, we need to pay certain bills, don’t we? Nobody wants to get evicted for not having paid their rent only to win a challenge. That’s why the no-spend challenge usually comes with a set of rules. These rules are there to define what we mean by “spending money”. Note that you don’t have to follow anyone else’s rules: it is totally fine to create your own. The following examples of allowed and not allowed spending are mere suggestions.

Here is a list of things that are typically allowed during a no-spend month challenge:

  • bills (water, electricity, waste, natural gas, insurance)
  • gas for your vehicle and/or transport costs
  • mortgage or rent
  • phone bills, incl. internet
  • essential groceries

And here’s the list of things that are typically not allowed during a no-spend month challenge:

  • beauty services
  • restaurant visits (ie. eating out)
  • non-essential shopping
  • entertainment (concerts, movies, games, CDs, DVDs, Blu-Rays etc.)
  • clothes
  • home decor
  • candies, lemonade, soft drinks, alcoholic beverages
  • cigarrettes
  • etc.

If you feel like taking it a bit easier in the beginning, how about starting with a 7-day no-spend challenge? A weekly challenge can be more motivating and a better place to start if you are only starting out. For some people, even a weekend challenge can be quite the challenge! No matter what your goal is, remember to reward yourself for having reached your goal. The best rewards are obviously ones that don’t cost anything, like letting yourself take a longer bath or watching a movie on TV without feeling guilty.

I hope you now have a better idea of what your no-spend challenge will look like. The next step is to download the no-spend challenge tracker PDF and start saving 🙂 I wish you all the best of luck!

Before You Go…

I have many free habit trackers and 30-day challenges to choose from. Also check out all free printables I share on Digital Hygge.

Here are a few most popular printables on the website:

Have a great day and happy tracking! 😀