MCU Spending Freeze Challenge is Back

The MCU Spending Freeze Challenge: Savings and a shot at $250.

Imagine your wallet, covered in impenetrable ice. What would you do? Take the MCU Spending Freeze Challenge and find out. We’re guessing that once you stop your spending ways, you just might discover your inner greatness. Plus, you could win $250, which is pretty great, too.

During the Spending Freeze Challenge, you’ll spend money only on the absolute necessities. Every day, visit this blog to tell us how you’re doing in the comments section, where you can also steal ideas from other freezers. If you keep up the saving and the sharing every day for just 10 days, you’ll be included in a drawing to win $250. It’s that simple.

Think you’ve got what it takes? Sign up by commenting on this post with your first and last name. Remember, the contest officially begins Jan. 27. In the meantime, it’s probably not a bad idea to start stocking up on supplies. Good luck!




For 10 days, Jan. 27 to Feb. 5, participants can’t spend a dime (unless it’s on our “Okay-to-Spend” list, but more on that in a moment). No morning coffee run, no fast food, no impulse purchases. Then, you’ll chronicle your experience with a daily submission in the comment section of this blog post. We want to know what surprises you during the challenge. Tell us all about the creative recipes you’re whipping up. A few sentences will do.

If you don’t spend and you keep up on your daily comments, you’ll be entered into a drawing, and one winner will take home $250. The winner will be drawn at random from the pool of eligible participants.

Okay-to-Spend List

We all have bills to pay and MCU understand that sometimes life can surprise us. So, we’ve made a list of allowances:

Bills –Rent, utilities, car payments – some things are simply unavoidable.

Gas –For your car, not the snowblower.

Emergencies –Hospital visits, doctor appointments, car trouble and so forth.

Medications/Prescriptions –Staying healthy is priceless, after all.


The Contest is sponsored by Missouri Credit Union (MCU) with principal place of business at 111 East Broadway, Columbia, MO 65203.

Binding Agreement:

Each person entering this contest agrees by the act of participation to be bound by these rules and procedures of MCU’s Spending Freeze Contest.

How to Enter:

During the Contest Period, visit the MCU blog page at and register. Just click on the comment link, scroll to the bottom until you see the “reply” section, and register. You can add a “reply” by signing in with your WordPress, Facebook, Twitter or G+ account. Just simply click on the Facebook, Twitter, G+ or WordPress icon.

Eligibility Restrictions:

You must be at least 18 years of age to enter this contest, live in Missouri and have a WordPress account. Employees, contractors, and official office-holders of MCU; advertising and promotion agency representatives; agents (“Contest Entities”); and members of the Contest Entities’ immediate families (parents, siblings, children, spouses, and life partners of each) and members of the households (whether related or not) of such employees and officers are ineligible to participate in this Contest.

Entry Deadline:

You must be signed up on WordPress, and begin the 10-day freeze on January 27, posting daily on the MCU blog about your experience through February 5, 2016.

How the Winner is Selected:

Those participants who did not spend during the 10 days, posted once daily on the blog will be entered into a drawing for the $250 prize. The winner will be chosen at random.

Notification of the Winner:

Becoming the winner is subject to validation (valid driver’s license faxed to MCU) and verification of eligibility and compliance with all the terms and conditions set forth in these rules. If a potential winner is disqualified for any reason, there will be a second drawing from the pool of eligible participants. The potential winner will be notified by telephone and/or email, at Sponsor’s discretion. If a potential winner does not respond to the notification attempt within three days of the first notification attempt, then such potential winner may be disqualified and an alternate potential winner will be notified.

Post Requirements:

Posts/comments to the blog must not:

  • Be derogatory, offensive, threatening, defamatory, disparaging, libelous, or contain any content that is inappropriate, indecent, or otherwise does not comply with the theme and spirit of the Contest.
  • Disparage Sponsor, Administrator or any other person or party affiliated with the Contest.
  • Contain material that promotes bigotry, racism, hatred or harm against any group or individual or promotes discrimination based on race, gender, religion, nationality, disability, sexual orientation or age.
  • Contain material that is unlawful, in violation of or contrary to the laws or regulations in any state where Submission is created.


Any false information provided within the context of the Contest by an entrant concerning identity, age, mailing address, telephone number, email address, ownership of rights or noncompliance with these Rules or the like may result in the immediate elimination of the entrant from the Contest.


By receipt of any prize, winner agrees to release and hold harmless the Sponsor, Administrator, and Facebook, and their respective parent companies, subsidiaries, affiliates, suppliers, distributors, advertising/promotion agencies, and prize suppliers, and each of their respective parent companies and each such company’s officers, directors, employees and agents (collectively, the “Released Parties”) from and against any claim or cause of action, including but not limited to personal injury, death, or damage to or loss of property, arising out of participation in the Contest or receipt or use or misuse of any prize.


The winner will receive $250.00 by Feb. 20, 2016. Any additional taxes or expenses associated with the awarded prize are the responsibility of the winner.

Advertising Disclaimer:

Acceptance of any prize shall constitute and signify winner’s agreement and consent that Sponsor and its designees may use the winner’s name, city, state, likeness, photo, Submission and/or prize information in connection with the Contest for promotional, advertising or other purposes, worldwide, in any and all media now known or hereafter devised, including the Internet, without limitation and without further payment, notification, permission or other consideration, except where prohibited by law.

Change in Rules:

These rules may be modified at any time at the sole discretion of MCU.


35 thoughts on “MCU Spending Freeze Challenge is Back

  1. Groceries are ok too, haha! I am in!!! I have been trying very hard to budget and save as long as my car will not breakdown!!!

    • Hi Heather, Glad to have you aboard! However, groceries need to be purchased prior to the freeze. That way we know there were no other purchases (such as a magazine or clothes) that were made at the store. Please review the OK-to-spend list before tomorrow!

  2. Excited to start the New Year with new goals! We follow the Dave Ramsey baby steps, and will be using our savings/winnings towards finishing up BS2! We are winning either way 🙂 Thanks, Missouri CU!

  3. Wow!
    I had a craving to stop in at Harold’s for two donuts and coffee. Made a hard right and drove the other way. Good thing I had a granola bar in my desk drawer!

    Saved approximately $5.00

  4. I had to make a work-related purchase from my account -bought it yesterday, but the invoice/payment came through today. 😢 I hope this doesn’t disqualify me.

Leave a Reply

Fill in your details below or click an icon to log in: Logo

You are commenting using your account. Log Out /  Change )

Google+ photo

You are commenting using your Google+ account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )


Connecting to %s