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My Goals For January 2019 (and why I’m not doing a no-spend month)

goals for January 2019

If you’ve been a long time reader, you’re probably aware that for the past two years, I’ve kicked things off in January with a month long spending freeze. I affectionately refer to it as my no-spend January, which meant that for 31 days, I didn’t spend a cent on non-essential items. Not a dime on that daily coffee habit, or …