<img src="https://events.xg4ken.com/pixel/v2?tid=KT-N2BAB-3ED&amp;noscript=1" width="1" height="1" style="display:none">
Skip to the main content.

3 min read

No Spend November: How to Save Big

No Spend November: How to Save Big

November is a perfect time to reassess your spending habits, especially before the holiday season kicks into high gear. No Spend November is a challenge designed to help people pause, reflect, and make intentional choices about their money. For families, especially those with tight budgets, this is a great way to ease financial stress and set yourself up for a more secure future.

Let’s look at how you can make the most of this month with tips on cutting out non-essential expenses, setting achievable goals, and enjoying the process without feeling deprived. And don't worry, we’ll use Jaden, a habitual coffee shop regular, to show how anyone can survive No Spend November while still having a little fun!

What is No Spend November?

No Spend November - a couple looking at their budget

No Spend November is all about challenging yourself to not spend on anything unnecessary. Think of it like a financial reset. The rules are simple: for an entire month, you only spend money on essentials like rent, utilities, and groceries. Everything else? Off-limits.

Jaden, for example, is a 24-year-old who eats out every day and has a daily coffee shop habit. He recently got challenged by his friends to try No Spend November. The idea of skipping his usual lattes and takeout seems impossible at first, but he’s ready to make a few sacrifices to save for a much-needed holiday vacation.

Setting Goals and Cutting Expenses

No Spend November - a couple setting a budget

Before diving into the challenge, it's important to set specific goals. Ask yourself, “What am I trying to achieve?” Is it building an emergency fund? Saving for holiday gifts? Paying off a credit card? Knowing why you’re doing No Spend November will keep you motivated, especially when temptations pop up.

For Jaden, the goal is simple: save $300 this month to put towards holiday travel. He starts by identifying his problem areas: eating out and those tempting coffee shop runs. Here’s how he breaks it down:

If Jaden sticks to this plan, that’s already $320 saved! That’s more than enough to reach his goal.

Start a budget today by utilizing our budget calculator

Tips for Surviving No Spend November

No Spend November - a person calculating their budget

Saving money doesn’t mean sacrificing all the fun. Here are some practical tips that will help you survive (and even enjoy) No Spend November:

1. Find Free Fun

Just because you're spending less doesn’t mean you can’t have fun. Look for free activities in your area, like parks, community events, or free museum days. Jaden started organizing game nights with friends instead of eating out, and they took turns hosting potluck dinners. The bonus? He didn’t feel left out while saving money.

2. Challenge Yourself to Use What You Have

One of the best ways to avoid unnecessary spending is to take stock of what you already have. From groceries to toiletries, it’s time to get creative with what’s in your pantry or closet. Jaden, for example, found a stash of frozen veggies and canned beans, which helped him stretch his grocery budget even further.

3. Plan for the Holidays

With the holiday season approaching, it’s easy to feel pressure to spend. Instead of splurging on expensive gifts, focus on mindful giving. Homemade gifts, like baked goods or crafts, can be just as meaningful (and less expensive). Jaden decided to start early and make DIY holiday cards for his family, saving him both time and money.

How Much Can You Save?

The amount you save depends on how much you normally spend and how disciplined you are during the month. On average, participants in No Spend November save anywhere from $100 to over $1,000, depending on their spending habits.

Watch the Video: How to Zero-Base Budget 

Jaden, for instance, realized he was spending almost $300 a month on eating out and coffee alone! By cutting those expenses, he not only reached his goal of saving for the holidays but also started rethinking his spending habits for good.

Sticking to the Challenge

It’s not always easy to stick to a No Spend challenge, but having support helps. Join a Facebook group, or get your family and friends involved. Jaden’s friends kept him accountable by sharing their own progress, turning the challenge into a fun, friendly competition.

If you do slip up, don’t be hard on yourself. As Jaden learned, the goal isn’t perfection, it’s progress. When he caved and bought a coffee during a particularly stressful workday, he didn’t beat himself up—he just got back on track the next day.

Long-Term Benefits of No Spend November

No Spend November - a person happily looking at their budget

Participating in No Spend November can have a lasting impact on your financial habits. It helps you become more mindful of where your money goes and reinforces the idea that you don’t need to spend to feel satisfied.

For Jaden, the challenge was eye-opening. By the end of the month, he didn’t miss his daily coffee runs as much as he thought he would. He learned to enjoy cooking at home and felt more in control of his finances. As an added bonus, he realized how much unnecessary stuff he was buying, and how cutting back felt like a relief.

Lets Save Big with No Spend November

No Spend November is about more than just saving money—it’s about learning how to live with less and still feel fulfilled. Whether you’re trying to pay off debt, save for the holidays, or just build better financial habits, this challenge can set you on the right path.

So, are you ready to take on the No Spend November challenge like Jaden? Get started today by setting your goals, cutting non-essential expenses, and discovering the joy of spending less!

Have more budgeting questions? Ask us!

Celebrate No Spend November

Celebrate No Spend November

November brings longer nights, shorter days and a time to reflect on all that we are grateful for. It's also the perfect time to shift our mindset...

Read More
5 Holiday Budget Tips to Give you Peace of Mind Through January

5 Holiday Budget Tips to Give you Peace of Mind Through January

The winter holidays are supposed to be a time of relaxation and hanging out with friends and family, but let’s be honest—the weeks leading up to the...

Read More