Monthly money challenges
Improve your money, one challenge at a time.
These short challenges help you track your spending, test better habits, and find ways to save more, without overwhelm.
Start small. Keep what works. Build from there.
How the challenges work
Each month focuses on one practical area of your finances.
- You’ll complete a short series of steps.
- You’ll make one clear decision.
- You’ll move forward.
The goal isn’t perfection. It’s consistent action.
You can participate quietly, or track your progress if you prefer structure.
New here? Start here.
Step 1:
If you already track your spending, start with a challenge.
Step 2:
If you don’t, we use Homebank which is free. You can watch our step by step videos to set up Homebank, here.
Then try the activity and see what you learn
Current Challenge
Reduce Discretionary spending
Look at your discretionary spending and the habits that drive it.
Understand those habits and discover ways to save money.
Previous Challenges
Save on One Big Bill
Review one big bill and look for ways to save money each month.