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    No-Spend Challenge: 1st Month Plan and a Book Review

    “The best time to plant a tree was 20 years ago.  The second best time is now.” – Chinese proverb This quote sums up my feelings for where I am in life at the moment.  There are so many things I wish I had done years ago, but instead of putting them off any longer, I am doing them.  Today.  This applies to so many more things than just finances and money, but for the sake of this book review, we will focus on the No-Spend Challenge. I had been considering doing another No-Spend challenge.  I did one last January after feeling so overwhelmed with Christmas.  In some ways it…