A no-spend month is a chance to retool your relationship with how you spend money — and tuck away some extra cash. To start this episode, Sean Pyles and Liz Weston talk about how they’re approaching the no-spend-month challenge this year.

Then they answer a listener’s question about how to recover from damage to their credit, including how to land an apartment or get a car loan.

To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com.

Also, we are running a book sweepstakes ahead of our next Book Club episode! In February, we're talking with Axton Betz-Hamilton, author of "The Less People Know About Us: A Mystery of Betrayal, Family Secrets and Stolen Identity,” a book about what happens when the person who steals your identity is your own family member.

To enter for a chance to win our book giveaway, send an email to podcast@nerdwallet.com with the subject "Book Sweepstakes" during the sweepstakes period. Entries must be received by 11:59 p.m. PST on Feb. 16. Include the following information: your first and last name, email address, ZIP code and phone number. For more information, please visit our official sweepstakes rules page.

Timestamps:

This Week in Your Money segment: 0:00 - 10:59

Money Question segment: 11:00 - 22:53

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No-Spend Month 2.0, and Recovering From Credit Damage 23:30 Share

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Shownotes Transcript

No-Spend Month 2.0, and Recovering From Credit Damage