Over Budget? Commit to a Spending Challenge

Weather you started out 2017 dreaming of a warm beach vacay or an emergency savings fund with actual money in it, there's no better time to get after your goals than February. Savings doesn't have to be a challenge, but by committing to one you'll to reevaluate and redefine what savings success means to you.

Homemade Lunch Challenge


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Everyone knows eating out at lunch is bad for your health and your wallet, but when everyone else in your office is heading out to grab a bite it's nearly impossible not to feel major FOMO. With most lunches racking up $10 bill, it's easy to spend $2,400 on lunch alone. So grab your work bestie and commit to a month of homemade meals. Your bank account will look a whole lot sweeter!

Homemade Coffee Challenge

If you're a coffee lover, the thought of replacing your favorite cup of joe with something brewed at home may sound impossible. A quick scan over your bank statements though can quickly reveal just how much that $3 cup is actually adding up. So skip the line and the extra pump of regret.

No Spending Challenge

Say goodbye to the non-essentials! By committing to the most daunting of spending challenges (literally, you spend no money), you'll be able to take a step back and survey where your money has been going. Often, the things we love are not the things we need. A spending challenge isn't permanent, but the lessons you learn along the way can lead to lasting change.

52 Weeks Savings Challenge

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The 52 week challenge makes it easy to save and watch your money add up. By gradually increasing your savings each week from $1 to $2 to $3, you'll save $1,378 by the end of the year. If you don't carry cash or are skeptical about your ability to commit to savings such a small sum of money each week, a rule-based app like Qapital can help you automate your savings so it all adds up.

Whether you try one or all of these challenges, you'll form new habits and be one step closer to achieving your money goals!

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