Monthly Challenge: Optimise one big bill
Use your Big Bills report to test whether $50 in savings exists.
This challenge works alongside the Big Bills video in Homebank.
Why this challenge works
Big bills are frustrating because they feel fixed, rent, power, insurance, subscriptions.
This challenge helps you step back and investigate them properly, using your own data.
You’re not trying to overhaul your life.
You’re simply looking for one small win that proves change is possible.
1. review your big bills
Watch the Big Bills video and run your monthly report in HomeBank.
Success is when:
You can see your largest regular expenses in one place.
2. Pick one bill to investigate
Pick one you would like to reduce. You don’t have to do them all!
Success is when:
You’ve selected one item to focus on.
3. Use the Find $50 Method
Use the apps and ideas to find cheaper options or a better deal.
Success is when:
You’ve found a better deal.
4. Lock in the win
Make the change or note why you didn’t, both count.
Success is when:
You’ve made a conscious decision about that bill.
Tracking your progress (optional)
If you like structure and accountability, you can choose to have your progress tracked.
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You earn points for completing challenge steps
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Points help you see momentum over time
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This is optional — the challenge works without it