Ways to Save Money in 2020: Try 'No Spend' Days

Schedule days you won’t spend any cash or use your card


Setting a budget is one thing — sticking to it is another. When it comes to money, treating it similarly to an exercise routine might be the best way to stay on track. Just as you might stagger rest days and workout days, you can let your bank account "rest" with a “no spend” day to help keep your bank balance high.

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A “no spend” day looks exactly how it sounds. Besides necessary expenses like gas for your vehicle or food for your family, make it a mission to not spend cash or swipe your card on one set day each week. This means packing a lunch, preparing dinner at home, not ordering anything from Amazon or not running into a store that advertised a great sale.

Saving money works the same as any other personal objective or healthy habit. Making small changes is the best way to work toward larger savings later on. Start with one “no spend” day a week.

Setting one day and being able to get through four “no spend” days a month might push you to add a fifth day the following month or add another money-saving goal. Maybe on your “no spend” day, you realize it isn’t too bad brewing your own coffee at home instead of spending money on a store-bought cup of joe. Then you could try a week of no coffee purchases and watch your savings grow.


If you’re trying to save up for a big purchase or to balance out a period of overspending, here are more easy ways to save money.