Kate Fortmuller

Coming up.

So it was like, I want to go on a trip or I wanted to travel more.

So I would put it on my credit card.

My name is Julissa Mercedes.

I'm 28.

I live in San Diego and I participated in No Spend January.

I do have a job that pays me six figures.

I work as a financial analyst, but even at that point, it doesn't mean that I'm able to essentially spend my money as I really want to.

This is my second time doing No Spend January.

I essentially started off pretty strong.

I incorporated some hobbies.

So for me, it's like pickleball.

In the beginning of the month, it was pretty strong.

I didn't have any urges to go out and spend.

But midway through the month of January, I had an injury.

So I did kind of buy some takeout and some like coffees just because I wasn't able to move around for a couple of days because of the injury.

I was able to see that with my no spend, I had about like over $1,000 that I was able to not spend because of my no spend January.

I put that towards my emergency savings, which I'm slowly building up.

But my main priority for essentially 2026 is paying off my debt.

It's about like $18,000 that I'm trying to pretty much pay off by the end of 2026.