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[\/et_pb_fullwidth_header][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.4.3″ custom_padding=”0px|||||”][et_pb_row _builder_version=”4.4.3″][et_pb_column type=”4_4″ _builder_version=”4.4.3″][et_pb_text _builder_version=”4.4.3″]<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.4.3″ column_structure=”1_3,1_3,1_3″ custom_margin=”-97px|auto||auto||” custom_padding=”||0px|||”][et_pb_column _builder_version=”4.4.3″ type=”1_3″][\/et_pb_column][et_pb_column _builder_version=”4.4.3″ type=”1_3″][et_pb_text _builder_version=”4.4.3″ custom_margin=”0px||0px||true|false” custom_padding=”0px||0px|||”]<\/p>\n
00<\/span><\/p>\n <\/span><\/p>\n 0<\/span><\/p>\n <\/p>\n <\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column _builder_version=”4.4.3″ type=”1_3″][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.4.3″ custom_padding=”0px|||||”][et_pb_column type=”4_4″ _builder_version=”4.4.3″][et_pb_text _builder_version=”4.4.3″ hover_enabled=”0″ custom_margin=”-53px|||||”]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.4.3″][et_pb_column type=”4_4″ _builder_version=”4.4.3″][et_pb_divider color=”#bce9b6″ divider_weight=”5px” _builder_version=”4.4.3″][\/et_pb_divider][et_pb_text _builder_version=”4.4.3″ module_alignment=”center” min_height=”90px” custom_padding=”0px||||false|false”]<\/p>\n <\/span><\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.4.3″][et_pb_column type=”1_2″ _builder_version=”4.4.3″][et_pb_text _builder_version=”4.4.3″]<\/p>\n [\/et_pb_text][et_pb_button button_url=”https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2022\/03\/No-Spend-Challenge-Tracker.pdf” button_text=”Download Colorful Tracker Here” button_alignment=”center” _builder_version=”4.4.3″][\/et_pb_button][et_pb_button button_url=”https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2022\/03\/No-Spend-Challenge-Tracker-BW.pdf” button_text=”Download Printer Friendly Tracker Here” button_alignment=”center” _builder_version=”4.4.3″][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.4.3″][et_pb_text _builder_version=”4.4.3″]<\/p>\n [\/et_pb_text][et_pb_button button_url=”https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2022\/03\/No-Spend-Challenge-Pre-Questions.pdf” button_text=”Download Colorful Prep-Questions Here” button_alignment=”center” _builder_version=”4.4.3″][\/et_pb_button][et_pb_button button_url=”https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2022\/03\/No-Spend-Challenge-Pre-Questions-BW.pdf” button_text=”Download Printer Friendly Prep-Questions Here” button_alignment=”center” _builder_version=”4.4.3″][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”3_5,2_5″ _builder_version=”4.4.3″][et_pb_column type=”3_5″ _builder_version=”4.4.3″][et_pb_text _builder_version=”4.4.3″ header_text_align=”center” module_alignment=”center” custom_margin=”||||false|false”]<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”2_5″ _builder_version=”4.4.3″][et_pb_text _builder_version=”4.4.3″]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.4.3″ custom_padding=”||0px|||”][et_pb_column type=”4_4″ _builder_version=”4.4.3″][et_pb_text _builder_version=”4.4.3″ custom_margin=”||5px|||” custom_padding=”||0px|||”]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.4.3″][et_pb_column type=”1_3″ _builder_version=”4.4.3″][et_pb_text _builder_version=”4.4.3″]<\/p>\n Example of Needs:<\/span><\/strong><\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.4.3″][et_pb_text _builder_version=”4.4.3″]<\/p>\n Example of Wants:<\/strong><\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.4.3″][et_pb_text _builder_version=”4.4.3″]<\/p>\n Post-Challenge Want List<\/strong><\/p>\n <\/span><\/p>\n If you run into anything that you want during the challenge, write it down on the Want list below . When you’ve completed the challenge review the list and see if it’s still a priority<\/p>\n<\/div>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.4.3″][et_pb_column type=”1_2″ _builder_version=”4.4.3″][et_pb_text _builder_version=”4.4.3″]<\/p>\n [\/et_pb_text][et_pb_button button_url=”https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2022\/03\/No-Spend-Challenge-Prep-1.pdf” button_text=”Download Colorful Prep Here” button_alignment=”center” _builder_version=”4.4.3″][\/et_pb_button][et_pb_button button_url=”https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2022\/03\/No-Spend-Challenge-Pre-Questions-BW.pdf” button_text=”Download Printer Friendly Prep Here” button_alignment=”center” _builder_version=”4.4.3″][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.4.3″][et_pb_text _builder_version=”4.4.3″]<\/p>\n [\/et_pb_text][et_pb_button button_url=”https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2022\/03\/No-Spend-Challenge-Want-List.pdf” button_text=”Download Colorful Want List Here” button_alignment=”center” _builder_version=”4.4.3″][\/et_pb_button][et_pb_button button_url=”https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2022\/03\/No-Spend-Challenge-Want-List-BW.pdf” button_text=”Download Printer Friendly Want List Here” button_alignment=”center” _builder_version=”4.4.3″][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,2_3″ _builder_version=”4.4.3″ custom_margin=”-13px|auto||auto||”][et_pb_column type=”1_3″ _builder_version=”4.4.3″][et_pb_text _builder_version=”4.4.3″]<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”2_3″ _builder_version=”4.4.3″][et_pb_text _builder_version=”4.4.3″]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.4.3″][et_pb_column type=”4_4″ _builder_version=”4.4.3″][et_pb_divider color=”#bce9b6″ divider_weight=”5px” _builder_version=”4.4.3″][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”2_3,1_3″ _builder_version=”4.4.3″][et_pb_column type=”2_3″ _builder_version=”4.4.3″][et_pb_text _builder_version=”4.4.3″]<\/p>\n [\/et_pb_text][et_pb_button button_url=”https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2022\/03\/No-Spend-Challenge-Check-in.pdf” button_text=”Download Colorful Check in Worksheet Here” button_alignment=”center” _builder_version=”4.4.3″][\/et_pb_button][et_pb_button button_url=”https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2022\/03\/No-Spend-Challenge-Check-in-BW.pdf” button_text=”Download Printer Friendly Check in Worksheet Here” button_alignment=”center” _builder_version=”4.4.3″][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.4.3″][et_pb_text _builder_version=”4.4.3″]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.4.3″][et_pb_column type=”1_3″ _builder_version=”4.4.3″][et_pb_text _builder_version=”4.4.3″]<\/p>\n <\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.4.3″][et_pb_text _builder_version=”4.4.3″]<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.4.3″][et_pb_text _builder_version=”4.4.3″]<\/p>\n <\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,2_3″ _builder_version=”4.4.3″][et_pb_column type=”1_3″ _builder_version=”4.4.3″][et_pb_text _builder_version=”4.4.3″ module_alignment=”center”]<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”2_3″ _builder_version=”4.4.3″][et_pb_text _builder_version=”4.4.3″]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.4.3″][et_pb_column type=”4_4″ _builder_version=”4.4.3″][et_pb_divider color=”#bce9b6″ divider_weight=”5px” _builder_version=”4.4.3″][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”2_5,3_5″ _builder_version=”4.4.3″][et_pb_column type=”2_5″ _builder_version=”4.4.3″][et_pb_text _builder_version=”4.4.3″]<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.4.3″][et_pb_text _builder_version=”4.4.3″]<\/p>\n <\/span><\/p>\n <\/strong><\/p>\n [\/et_pb_text][et_pb_button button_url=”https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2022\/03\/No-Spend-Challenge-Post-Questions.pdf” button_text=”Download Colorful Post Questions Here” button_alignment=”center” _builder_version=”4.4.3″][\/et_pb_button][et_pb_button button_url=”https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2022\/03\/No-Spend-Challenge-Post-Questions-BW.pdf” button_text=”Download Printer Friendly Post Questions Here” button_alignment=”center” _builder_version=”4.4.3″][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.4.3″][et_pb_column type=”4_4″ _builder_version=”4.4.3″][et_pb_text _builder_version=”4.4.3″]<\/p>\n [\/et_pb_text][et_pb_divider color=”#bce9b6″ divider_weight=”5px” _builder_version=”4.4.3″][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”3_4,1_4″ _builder_version=”4.4.3″][et_pb_column type=”3_4″ _builder_version=”4.4.3″][et_pb_text _builder_version=”4.4.3″]<\/p>\n [\/et_pb_text][et_pb_button button_url=”https:\/\/forms.office.com\/Pages\/ResponsePage.aspx?id=aaJT4khSVE6bZ7duOoYiIKbCp6BIqHRLi9g0nohXm7BUNlo2NktCM1I0UUdIWENBSVJPREZNMjBXRi4u” button_text=”No Spend Post-Challenge Survey” button_alignment=”center” _builder_version=”4.4.3″][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.4.3″][et_pb_text _builder_version=”4.4.3″ custom_padding=”0px||0px|||”]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.4.3″][et_pb_column type=”4_4″ _builder_version=”4.4.3″][et_pb_text _builder_version=”4.4.3″]<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":" This self-paced challenge is a great way to get your budget \u201cinto shape\u201d and to help break bad financial habits! It is intended to bring the focus more on \u201cNeeds\u201d and less on \u201cWants\u201d. All the money that is not spent can be used to \u201cFeed the Pig\u201d (eg. saved).00 0 Before You […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-9535","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-json\/wp\/v2\/pages\/9535","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-json\/wp\/v2\/comments?post=9535"}],"version-history":[{"count":95,"href":"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-json\/wp\/v2\/pages\/9535\/revisions"}],"predecessor-version":[{"id":9897,"href":"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-json\/wp\/v2\/pages\/9535\/revisions\/9897"}],"wp:attachment":[{"href":"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-json\/wp\/v2\/media?parent=9535"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}![\"\"](\"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2022\/03\/No-Spend-icon.png\"){kind=icon}
<\/p>\n![\"\"](\"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2022\/02\/No-Spend-Quick-Facts.jpg\")
<\/a><\/p>\nBefore You Start<\/strong><\/h2>\n
Download the prep questions and tracker below to help you personalize your goals and motivations.<\/span><\/h4>\n
Tracker<\/strong><\/h4>\n
![\"\"](\"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2022\/02\/No-Spend-1-Calendar.jpg\")
<\/p>\nPrep Questions<\/strong><\/h4>\n
![\"\"](\"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2022\/02\/No-Spend-2-Pre-Challenge.jpg\")
<\/p>\nDetermine Your \u201cWhy\u201d<\/strong><\/h4>\n
<\/strong>What is motivating you to take up this challenge?<\/h4>\n
\n
Are you saving for your Emergency Fund<\/a><\/span>?<\/h4>\n<\/li>\n
Are you saving for retirement?<\/h4>\n<\/li>\n
Are you saving for a vacation?<\/h4>\n<\/li>\n
Are you trying to boost your debt repayment?<\/h4>\n<\/li>\n
Are you trying to break bad spending habits?<\/h4>\n<\/li>\n<\/ul>\n
Whatever your \u201cwhy\u201d keep it at the forefront of your mind by adding to the tracker, so you have something to focus on, especially when things get tough.<\/h4>\n
![\"\"](\"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2022\/03\/No-Spend-Emergency-Fund.png\")
<\/a><\/p>\nDetermine Your Budget Lists:<\/strong><\/h4>\n
Figure out your needs and your wants. According to Take Charge America<\/span><\/a>\u00a0our needs are the things we must have to sustain us day to day: food, shelter, clothing, personal care items,\u00a0and in most cases safe, reliable transportation. Just about everything else can be classified as a want (though might seem like a need) \u2013 entertainment, electronics, leisure travel \u2026 the list of things we want is potentially endless.<\/span><\/h4>\n
\n
\n
\n![\"\"](\"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2022\/02\/No-Spend-3-Prep-Questions.jpg\")
<\/p>\n![\"\"](\"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2022\/02\/No-Spend-6-Want-List.jpg\")
<\/p>\n![\"\"](\"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2022\/02\/No-Spend-Shop-Smart.jpg\")
<\/a><\/p>\nDetermine Your \u201cCheat Days\u201d<\/strong><\/h4>\n
Cheat Days are for when you already have planned activities\/events. Set a budget for those days and don\u2019t go over it and don\u2019t over-do those cheat days.<\/h4>\n
Set a Savings Goals:<\/strong><\/h4>\n
Set a reasonable savings goals that fits YOUR household.<\/span><\/h4>\n
No Shopping Sprees:<\/strong><\/h4>\n
\u00a0There will be several essential products and items you will need.\u00a0<\/span>Shop your pantry\/freezer before going grocery shopping, make a list, then only buy the basics. This will prevent you from taking extra shopping trips and being tempted to buy things you don\u2019t need while you\u2019re at the store.\u00a0<\/span>Do not go on a shopping spree before or after the challenge.<\/h4>\n
If You Slip, Don’t Quit:<\/strong><\/h4>\n
Be kind to yourself.\u00a0Feeling guilty won\u2019t do you any good.\u00a0<\/span>If you slip up, acknowledge it, remember your “why” and get back on track.<\/h4>\n
Now that you’re ready to begin:<\/strong><\/h2>\n
Determine when you want to start this 4 week challenge:<\/strong><\/h4>\n
Throughout the challenge complete the weekly check-ins. The check-ins are meant to help re-focus you on what is important, and to help you get back on track if you’ve slipped.<\/h4>\n
![\"\"](\"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2022\/02\/No-Spend-4-Weekly-Check-in-rotated.jpg\")
<\/p>\nFind Free Entertainment<\/strong><\/h4>\n
Finding and planning free entertainment will help you succeed during your challenge.<\/span><\/h4>\n
You can always type
“free things to do in ______”
in to a search engine for ideas.<\/h4>\nHere are a few\u00a0ideas for free entertainment:<\/strong><\/h4>\n
\n
Camp in your backyard<\/h4>\n<\/li>\n
Go birdwatching<\/h4>\n<\/li>\n
Go swimming<\/h4>\n<\/li>\n
Go for a hike<\/h4>\n<\/li>\n
Do arts and crafts\/paint or draw<\/h4>\n<\/li>\n<\/ul>\n
\n
Go for a picnic<\/h4>\n<\/li>\n
Go to the library<\/h4>\n<\/li>\n
Play at the park<\/h4>\n<\/li>\n
Go for a jog<\/h4>\n<\/li>\n
Play board\/card games<\/h4>\n<\/li>\n<\/ul>\n
<\/h4>\n
![\"\"](\"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2022\/03\/No-Spend-Importat-Records.png\")
<\/a><\/p>\nFind Ways to Be Productive<\/strong><\/h4>\n
According to Money Crashers<\/a><\/span>, one of the psychological triggers of spending is boredom. Stay productive and use this time to get things done. <\/span><\/h4>\n
<\/strong><\/h4>\n
For example:<\/strong><\/h4>\n
\n
Organize your important documents<\/span><\/h4>\n<\/li>\n
Purge your closet and done the clothes<\/h4>\n<\/li>\n
Organize\/clean the messy room you’ve been avoiding<\/h4>\n<\/li>\n<\/ul>\n
![\"\"](\"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2022\/02\/No-Spend-7-Post-Challenge.jpg\")
<\/p>\nOnce You’ve Completed the Challenge:<\/strong><\/h2>\n
\n<\/span>Consider completing the Post-Challenge Questions;<\/strong><\/h4>\n
These are meant for you to look back and reflect on how you did on the challenge.<\/h4>\n
<\/span><\/h4>\n
<\/span><\/h4>\n<\/div>\n
Final Thoughts<\/strong><\/h4>\n
It maybe helpful to think of this challenge as a game, the end prize being a stocked emergency fund, more money put into retirement or having enough money for that vacation you’ve been planning. Regarless of your goals s<\/span>aving money and budgeting should be fun and not overly complicated.<\/span><\/h4>\n
Consider Taking this Survey<\/strong><\/h2>\n
There are no rules on when, how often or for how long you can do this challenge. If this challenge helped you with your money habits or if you have any suggestions to improve the program, please let us know. We value your feedback!\u00a0<\/h4>\n
![\"\"](\"https:\/\/connectplus.pasco.k12.fl.us\/do\/gohealthy\/wp-content\/uploads\/2022\/03\/No-Spend-pig.png\")
<\/p>\nThis information is meant for educational purposes only and is not intended as financial advice<\/em><\/h3>\n