Free tool
Pick a month, set your rules, and mark every day you don't spend on non-essentials. The streak does the motivating.
Always allowed
Off the table
Your challenge, your rules — the printable version has blank lists so you can define allowed and not-allowed for yourself.
A one-page no-spend month: 31 boxes to color in, blank rules lists to fill out, and reflection prompts for the end of the month.
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Decide the rules before day one — essentials are always allowed, and the point is cutting the automatic, unexamined spending. A slip day doesn't end the challenge; mark it honestly and start a new streak the next morning.
At the end of the month, move what you didn't spend into savings. The real prize isn't the money — it's the list of things you thought you needed and turned out not to.
Worth connects your real accounts and runs the numbers for you — budgets, net worth, goals, and an AI assistant.
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