Day 2: NO SPENDING CHALLENGE

So, since I’ve decided to try and not spend money until the end of the month (except for necessities like groceries, gas, bills), I realize that this is going to be harder than I thought. I have three separate coffee dates with three of my very best friends coming up, so how can I avoid that? Maybe I’ll suggest getting the coffee “to go” so we can walk around the water, and just bring a water bottle instead. But that’ll only work if it’s nice out.

I also lent a co-worker $1 yesterday. Does that count as spending? I don’t expect to get the money back, and technically I didn’t spend it … but I’m $1 poorer as a result. I guess I should just pretend that it doesn’t count, otherwise my NO SPENDING CHALLENGE will have ended on the first day, and that’s just sad.

And speaking of spending, does everyone have to pay money to see their credit score? I paid back in March when I wanted to see mine, but I don’t want to be a chump and spend the money again if I can just see it for free somewhere, or even pay a certain amount and see all 3 … I think in the USA they have an option to monitor their credit score, but I have yet to see something like that for Canadians. I don’t mind paying money to see my credit score, but when I’m paying something like $15 for just a one-time score with one of the three companies, it seems like a raw deal.