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iamlyth@lemmy.world

Has anyone here completed the "More Money" 30-day challenge? (lemm.ee)

submitted 1 year ago by galaxi@lemm.ee to c/ynab@lemmy.world

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If you haven't heard of it before, it's a YNAB challenge that has 3 simple rules. For 30 days you:

Track your spending
Only buy essentials
No dining out

I haven't been able to successfully follow this for 30 days, but I've made a lot of progress towards my financial goals in trying! I'm glad I did actual progress too, because I sure felt silly turning down friend dates at the bar and having them offer to pay.

What about you? Have you been able to crush your desires and go a month without going out or buying any fancy coffees?

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[–] Mr_Blott@lemmy.world 3 points 1 year ago (2 children)

Three simple rules?

That's just everyday life for most people lol

[–] galaxi@lemm.ee 3 points 1 year ago

Most people referring to whom? It's great if you've got the self discipline to never eat out or do absolutely any non-essential spending, but I'm really skeptical of your claim for "most people." At least in the US lots of people have huge amounts of consumer debt and areas they could cut back on. This is just a fun challenge from YNAB to try to get the most of your budget, it's not really that different from doing a NYE challenge to get a bit ahead on your goals.

[–] fer0n@lemm.ee 1 points 1 year ago

I get what you’re saying, but I highly doubt that most people are following all three of these every single month. Simply tracking every expense, I can’t imagine that more than 5% of people actually do that.