Libby Brooks and Ashlee White
Libby Brooks, left, and Ashlee White are trying to cut down on their spending this January.
  • Libby Brooks and Ashlee White are both trying a "no-spend January" challenge.
  • For this challenge that involves reducing spending, White suggested sticking to realistic rules.
  • Brooks said "challenges like this can help limit the amount of consumption" you do.

Libby Brooks, 27, recalled not feeling like cooking while stopping at a pharmacy one recent night.

And there was a Qdoba nearby, she said.

"I was really tempted to just, on my way home, grab some food," Brooks told Business Insider. "I don't have to cook at home. I can save some time."