Doing a no-spend month this November? This kit gives you printable pages to set your rules and mark every no-spend day, plus a spreadsheet that adds up the money you kept.

WHAT'S INCLUDED:

Printable PDF, 7 pages:

• Start here: how to use the tracker

• My rules: your reason, savings goal, your rules and a list of rule ideas

• Needs, wants & exceptions lists

• November 2026 calendar (Nov 1–30) with a no-spend circle for each day

• Urge log: what you wanted, the price, and whether you waited

• Savings tally: 30 days, running total and a 10-step goal tracker

• Looking back: end-of-month reflection questions

Spreadsheet (.ods and .xlsx): Start Here settings, Daily Log, Urge Log and Summary. Type what you spend each day and it fills in no-spend days, money kept per day, a running total, and your progress toward your goal.

FILES: 4 PDFs – US Letter color, US Letter black & white, A4 color, A4 black & white – plus No_Spend_November_Tracker.ods, No_Spend_November_Tracker.xlsx and a README. Delivered as one .zip.

PLEASE NOTE / WHAT IT DOES NOT DO:

• Tested in LibreOffice Calc. Google Sheets not tested. Excel not tested.

• It does not connect to your bank or import transactions; you type in your own amounts.

• The PDF is not a fillable form: print it and write with a pen.

• Amounts are formatted in $ (you can change the cell format).

• It is a tracking tool, not financial advice.

• Checked on screen; we have not test-printed it on a home printer. Print at 100% / Actual size.

License: personal use. Please do not resell or share the files.

Made by our small shop. Fonts: Poppins and Atkinson Hyperlegible (SIL Open Font License).