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RINGING IN THE NEW YEAR WITH A MONTH-LONG SPENDING FREEZE

spending freeze

I’m not quite sure what I’ve gotten myself into.  Earlier today I made the decision to kick off 2017 with a personal spending freeze.  In short, I’ve committed to ZERO discretionary spending for the entire month of January.  I’m referring to it as a ‘personal’ spending freeze, as I’m choosing to not try and pull my wife and kids into …