In case you haven't been to a mall, retail store, or turned on a radio recently, it's nearly that time when everyone on Earth wants your money. Take a break with No Spend November. Even if you start a little late.
As personal finance blog Money Ning points out, the holiday season can be a killer for most people's budgets. However, November is also the month that many people celebrate a holiday centered around appreciating what you already have. That makes November perfect for a spending freeze.
As with any personal budget challenge, you can design the rules for yourself to decide what you want to accomplish. Want to wait until December to start shopping for gifts (and give yourself time to save up)? That's great. Maybe you want to simply ban all impulse purchases and only buy what you've already planned on. That can help you drastically narrow down which sales and "deals" that will be marketed to you this month are really worth your time.
Of course, there's nothing wrong with spending money during this time of the year, and yes Lifehacker will help with the temptation. However, if you want to proactively protect your budget at a time when it's most vulnerable, set down some ground rules for what you'll be spending and when this November. Check out MoneyNing's post below for some guidelines on how to set up useful rules for your budget.