I'm declaring next week a no spend week. We're not spending a penny on anything that isn't groceries or a bill that comes in the mail.

We did a no spend month a few years back and it was awesome. It really hit the reset button on our money. Unfortunately, as with all things, it didn't last. Life got more complicated !

So, it's time. Hubby is on board with a week. I can't talk him into a month these days, probably because we are so busy and occupied with the little kids. Oh well. A week: I'll take it!

Hopefully it will reduce some of our unnecessary expenditures and kick start us to back on track with savings and mortgage payoff.

We've already made a few long-term changes that should help, like cancelling the cable TV, which cut the phone/internet bill by $70 a month, and cancelling the newspaper, which will save us $200 a year. That isn't enough, but we're on the right track.

On another positive note, today was a no spend day. Looks like I need to do more of those too.