Take a break with No Spend November.
Even if you start a little late.
That makes November perfect for a spending freeze.
Want to wait until December to start shopping for gifts (and give yourself time to save up)?
Maybe you want to simply ban all impulse purchases and only buy what youve already planned on.
Check out MoneyNings post below for some guidelines on how to set up useful rules for your budget.
Its Not Too Late to Participate in No Spend November| MoneyNing