Join Scott and Nikki as they converse with 3rd Decade team member, Nicole, about how she's incorporated no-spend challenges into her life, as well as other ways she and her husband have financially, mentally, and physically challenged themselves and made discretion a huge part of their lives. A few notes from Nicole:A no-spend month isn’t a replacement for tracking your spending and setting a proper budget, but it is one way to see just how much of your spending is ‘discretionary’ which roughly translated means unnecessary.Ask yourself what your motive is for the no-spend challenge and approach it with the right mindsetPrepare in advance and communicate well with your partner/household (or any family/friends who may be affected)A resource that may help in getting started (especially for those who aren't already used to cooking at home):The 4 hour Chef List of free activities to do:Go for a hikeLook for free local eventsSchedule “play dates” for the kids at the housePlay card gamesPlay board gamesGo to the beachRead a bookGo to a state parkCamp in the backyardRide bikesGo to the libraryDeep cleanDeclutter the houseDo a craft project

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