Check in
January Money Diet

Check In and Win

Thanks for SHARING!

Dear friends,

We’re fifty percent in, and you’ve officially crossed the halfway mark of January. Congratulations! For the next two weeks, we’ll stick together and encourage each other to finish the January Money Diet STRONG.

We can accomplish such good things with our money this month, if we all hang in there and persevere.

Win an Amazon Gift Card and Credit Union Coffee Cup

To keep your momentum going, I encourage you to do a mid-month “weigh in” and report your progress.

You could win a $25 USD Amazon gift card and a handsome insulated beverage cup from our wonderful sponsors and the Open Your Eyes to a Credit Union campaign.  


Amazon gift card


Credit Union Coffee Cup


To be automatically entered, leave a progress report in the Comments section of this post or the Money Diet Community Facebook Group with your results so far in the January Money Diet. (Look for a post pinned to the top of the page.) 

Be sure to post your comment before Monday 1/18 at midnight MST. I’ll do a random drawing next Tuesday, Jan. 19, and choose a lucky winner for the gift card and beverage cup.

Okay, I’ll go first. Here’s my mid-month check-in:

Our Family’s Progress

We’ve done well with sticking to the diet. My son enjoys helping me with meal planning and likes knowing what dinner will be each night.

The kitchen pantry and shelves are less crowded, and I’ve been cooking things we already had on hand.

I’ve given away a twin mattress and bed frame, 6 plates, one bag of clothes, some books and several miscellaneous items this month as I work towards giving away 31 things for Challenge #1.

I figured our net worth on January 1, and despite the weird year we exceeded our net worth goal for 2020. I set a new goal for 2021, and specifically plan to save more in my Roth IRA this year.

We’ve been fairly obsessive about saving energy, turning off lights, keeping unused appliances and electronics unplugged, and turning the heat down a couple extra degrees at night.

Our Hot Spot is the kitchen counter, and after procrastinating for weeks it only took me 20 minutes to clean it and put everything away. Why did I put that off for so long?

I made homemade chicken stock this week with leftover chicken and veggies. To earn extra cash, I plan to sell a few things on this weekend. 

How About You?

Congratulations on reaching the halfway mark! Check in by leaving a comment in the Comments section of this post or the Money Diet Community Facebook Group and let us know how you’re doing so far on the January Money Diet.

Best always,

Signature for Eliza Cross

Eliza Cross is the author of 15 books, including recent titles like Bacon Beans and Beer and Small Bites. She blogs at and is the founder of the BENSA Bacon Lovers Society. Her articles have appeared in publications like Sunset, Parents and Writers' Digest. Eliza lives near Denver with her family.


  • Lisa

    Enjoying the money diet, always trying to do better though! Decluttered the prime living space and feels so much better! More to go!

    • Cindy Rold

      The primary thing I have stuck with this month is not buying anything other than necessities. It has been relatively easy, but I have definitely had to remind myself of it.

  • Kimberly

    I know even if I think I live small can I can do better. So far this month is teaching me to live out of my pantry more and write down things that I think I need. If at the end of the month I still think I need them maybe I will buy them maybe. I want land so much and I have to pay for it not mortgage it, I don’t want to be a slave to the bank monthly for it so I am doing without to save more. I need to find a way to make some money towards that purpose, I know it will happen but I must work hard and do without if I want it to happen,God bless

  • Cheryl Ciccolo

    Decluttered half my bedroom. Working on the other half to create the peaceful haven that it ought to be. Doing this by shopping the rest of the house and NOT making any new purchases.

  • Catherine

    Working on hotspots – kitchen table, countertops, living room coffee table. Didn’t spend any money other than groceries with one exception – my foster dog! Decided to adopt him (why, Lord, why???) and took him for his first vet checkup – $424 later and a promise of future problems with the male of the species, especially the older male (why do some people not neuter their animals???)

    • Shivani

      We have been saving and investing in dividend stocks or high interest accounts. We always look for sales and only buy items that we need! So far, so good!

  • Kimberly

    Working on my garden design now. I got seeds for Christmas. It was all I needed. I am trying to see where I am going to put the new raised bed ( already have what I need for it ) I am hoping this will be a better garden season. Groundhog destroyed my garden last year. Live in a city so not allowed electric fences that would help. Thank God he provided tomatoes the year before but I had no broccoli, cauliflower, Brussels sprouts and most of my cabbages. This will be a better year.

  • Laura

    Decluttered a few spaces, most noticeably the laundry room. So much randomness in there! Donated 3 giant bags of clothes, decor, Christmas stuff, shoes and kitchenware. Felt really good to see it go! For the nesting project, we rearranged our gym room to include a couch and tv for the older kids to play video games when we have visitors. A much better use of the space and a win-win for everyone! Also have been “shopping” at home and getting creative with ingredients to use up everything we’ve accumulated. Did have to toss a few freezer burnt items but better safe than sorry! Using the Every Dollar app helps us to stay in budget and we have new, big goals for 2020 that are going to require discipline! Also, taught my 10 year old about a RothIRA and now we are opening one for her with her pet sitting income. Changing our family tree! Well wishes to everyone for a successful January Diet!

  • Kimberly

    another day and working on the pantry. Besides cleaning and organizing it I am listing what I have in there. I really hate waste and haven’t had any in 3 month since I started the two day on in the fridge then freeze. I had things on the shelves that are way to old and I bet I am not the only one. Check your shelves folks. Use by date can go a little over but not by years. Hoping everyone is learning something this month. Saving is done many ways.

  • Kimberly

    Saving is done many ways. I am trying now to go thru item I own and sell what I can. Why keep it if it is just collecting dust monsters.

  • Marcia Krogman

    What a year already! Working on decluttering, donating boxes to our local Salvation Army. Working as much extra as possible, keeps me on track with no spending and plugging away at lowering payments. Thank you for all the great tips so far! We can do this!!

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