Join the More Money Challenge

Nope! It’s totally free. If you decide to use YNAB to track your spending (which is completely optional, but also very helpful), the first 34 days of YNAB are free, too.

No shame there. Saving $1,000 isn’t actually the challenge—it’s simply a fairly common side effect (if only every side effect were so pleasant). The real challenge is establishing those daily habits. Do those three things for 30 days and you’ll have won! At the beginning of the challenge, you set your own finish line—maybe it’s $500, maybe it’s $1500. Again, you decide how high you can jump.

You’ll get an email confirmation with a link to your More Money Challenge workbook. Fill out this workbook—it includes all the meal planning resources you could ever need, a place for your essentials list, a place to lay out what you’re saving for, and how much you want to save.

Well, what do you crave the most? Financial security? Maybe saving money for an emergency fund would give you the warm responsible fuzzies. Maybe you crave financial independence—take a look at any outstanding debt balances and dig in. But you know what, maybe you just want something fun—and you’d never even attempt this challenge otherwise—and we want to give merit to that approach too.

There is power in using this challenge to make learning about money management more fun. It’s like the spoonful of sugar that makes the medicine go down. Take a good hard look at what your financial soul is craving, and chase after that.

Good for you! View this challenge as something “above and beyond” your usual debt attack and see how much progress you can make. Build up your cache of cash and at the end of the month use it for an extra lump sum payment on your debt or as an added cushion for non-monthly expenses.

Go right ahead, and tell us all the secrets of your otherworldly sprinting capacity.

Oh, we FEEL you on this one. The good news is that we’ve actually seen quite a bit of success with the reluctant partner actually getting on board with a challenge like this. It’s fun, it’s not forever, and the best key is to make your end goal something you both want together. Make it enticing. Make it fun. Make it something you actually want to give up takeout for. Plus, we’ve got tons of tips on how to do this challenge with a partner and lots of resources on how to stop those money fights for good.

If you’re not paying for the meal, yes! The key here is not to spend any money on meals that you don’t prepare yourself. If it’s for some reason completely immovable, list that out in your spending rules before you start the challenge.

No. If you decide to remove subscriptions as part of your no spend, that’s your choice, but it’s not a requirement.

You and I both know your mind is immediately pulling out the boxing gloves here to defend your meal subscription service and your monthly vitamin regimen. And guess what, this part is totally up to you. Instead of us giving you a semi-logical list of essentials without knowing a thing about your life, we want you to decide and make that decision for yourself.

This is, of course, a challenge—and we want you to sprint hard—but you’ll be able to write those rules for yourself better than we can. Whatever you decide for your spending rules, write them down in the workbook to hold yourself accountable.

Any way you want to. Are you old school? A pencil and paper work just fine! Or kick it into the digital age with our workbook on your phone. For more powerful tracking, you can use YNAB—it’s an app on your phone that will keep all your transactions neatly organized and give you the ability to see trends. It’s free for 34 days and no credit card is required!

Nope! You can use anything you want to track your spending. We’re hopelessly biased because of the ease and additional boost and learning that comes with the app, but it’s really up to you!

Of course! Maybe you hit a plateau, your spending has felt extra skittish, or you just want a fresh start for your priorities. Sprint away—it’s a financial reset any way you look at it.

This challenge is totally a mental challenge and you will be your own toughest critic. Do we want you to succeed? Of course! We’ll usher you along every step of the way. But this challenge is tough! You might make some missteps. More than anything, make a note of why it went sideways, and then start the next day fresh and keep going. You could even tack those days on the end to get a full 30 days of hitting each of your three daily rules.

We are a wealth of information ready to assist! The best place for questions is in the challenge community on Facebook! You can also follow us on Instagram and TikTok where we’ll also be talking a lot about the challenge!

Um, YES. We would be so honored. Send them this landing page, do the workbook together (virtually?), and get some built-in solidarity as you meal prep and stock up on frozen breakfast burritos together.

Decide for yourself in your essentials list before you start the challenge. We could give a strong argument either way, but at the end of the day: remember, this is a sprint to save cash. Find the balance between making this sprint sustainable for 30 days and paying for the cost of convenience. Sometimes, it’s totally worth it. Sometimes, you can trim the excess. Decide what makes the most sense for you.

Free money! (That’s our unofficial verdict). But don’t go stocking up on gift cards or reloading your Starbucks balance before the challenge! We see you and your sneaky ways! (But only because we are the sneakers ourselves and have definitely tried this).