I always feel that winter begins after Bonfire Night, because from early November, the night sets in noticeably earlier and so does the chill.
November is also the month when things can start to get really expensive, with Black Friday sales rolling into the Christmas season. And it’s not just the gifts - it’s the pre-Christmas drinks and meals out; suddenly, there’s a pressing need to meet up with absolutely everyone just before the year ends.
This year in particular, things are coming to a head. With soaring energy prices, heating our homes this winter will be more expensive than ever. And of course, we still have the uncertainty of the pandemic fuelling inflation and perhaps interest rates in the near future.
With that in mind, I wanted to look at how you can curb your spending through a no-spend challenge.