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A MONTH OF ZERO – MY 2ND ANNUAL NO-SPEND JANUARY

a month of zero

Sometimes I wonder why I do the things I do. In the fall of 2016, I wrote a post about a budgeting trick I came up with a few years previous, as a means of disciplining myself to break the paycheque-to-paycheque cycle.  I named it the ‘5-day freeze’. 5-DAY FREEZE It involves making a very simple switch in your spending …