30-Day Challenge: Lower Your Expenses
Spend less without feeling like you're missing out.
This isn’t about extreme couponing or skipping every coffee shop visit. It’s about building sustainable money habits that help you feel in control of your spending. Over 30 days, you’ll take small, realistic steps to reduce unnecessary costs, rethink your routines, and make space for smarter financial decisions.
This challenge is perfect if:
You know your spending could use a tune-up, but you’re not sure where to begin.
You want a clear plan to cut expenses without feeling deprived.
You’re looking for habits you can actually stick with, not short-term fixes.
What’s inside:
30 daily tasks that walk you through financial awareness, practical cutbacks, habit-building, and long-term strategies.
Activities like tracking expenses, reviewing subscriptions, planning meals, and trying no-spend days plus bonus tips on negotiating bills and starting a side hustle.
Weekly themes to help you move from awareness to action:
Week 1: Awareness and analysis
Week 2: Practical adjustments
Week 3: Building new habits
Week 4: Long-term strategies
Why it works:
It’s not about saying no to everything, it’s about saying yes to what really matters. This challenge helps you build financial mindfulness and make intentional spending choices, one doable step at a time.
Spend less without feeling like you're missing out.
This isn’t about extreme couponing or skipping every coffee shop visit. It’s about building sustainable money habits that help you feel in control of your spending. Over 30 days, you’ll take small, realistic steps to reduce unnecessary costs, rethink your routines, and make space for smarter financial decisions.
This challenge is perfect if:
You know your spending could use a tune-up, but you’re not sure where to begin.
You want a clear plan to cut expenses without feeling deprived.
You’re looking for habits you can actually stick with, not short-term fixes.
What’s inside:
30 daily tasks that walk you through financial awareness, practical cutbacks, habit-building, and long-term strategies.
Activities like tracking expenses, reviewing subscriptions, planning meals, and trying no-spend days plus bonus tips on negotiating bills and starting a side hustle.
Weekly themes to help you move from awareness to action:
Week 1: Awareness and analysis
Week 2: Practical adjustments
Week 3: Building new habits
Week 4: Long-term strategies
Why it works:
It’s not about saying no to everything, it’s about saying yes to what really matters. This challenge helps you build financial mindfulness and make intentional spending choices, one doable step at a time.
Spend less without feeling like you're missing out.
This isn’t about extreme couponing or skipping every coffee shop visit. It’s about building sustainable money habits that help you feel in control of your spending. Over 30 days, you’ll take small, realistic steps to reduce unnecessary costs, rethink your routines, and make space for smarter financial decisions.
This challenge is perfect if:
You know your spending could use a tune-up, but you’re not sure where to begin.
You want a clear plan to cut expenses without feeling deprived.
You’re looking for habits you can actually stick with, not short-term fixes.
What’s inside:
30 daily tasks that walk you through financial awareness, practical cutbacks, habit-building, and long-term strategies.
Activities like tracking expenses, reviewing subscriptions, planning meals, and trying no-spend days plus bonus tips on negotiating bills and starting a side hustle.
Weekly themes to help you move from awareness to action:
Week 1: Awareness and analysis
Week 2: Practical adjustments
Week 3: Building new habits
Week 4: Long-term strategies
Why it works:
It’s not about saying no to everything, it’s about saying yes to what really matters. This challenge helps you build financial mindfulness and make intentional spending choices, one doable step at a time.
Format: 30-day digital PDF—easy to view on your device or print and check off as you go.
Created by Michelle Arseneault, Certified Life Coach.