18d • Challenges
$500 Challenge
For many couples, the problem isn’t income—it’s that money quietly slips away without a plan. Between subscriptions, impulse buys, and unnoticed bills, it’s easy to lose hundreds each month. The good news? With a few smart moves, you can reclaim that cash and put it toward your goals.
This month, take on The $500 Challenge: a simple plan to find hidden money in your budget without feeling deprived.
1. Audit Your Subscriptions
Streaming services, apps, gyms—these small charges add up. Go through your bank and credit card statements from the past 90 days and cancel what you don’t use.
2. Negotiate Bills You Already Pay
Call your internet, phone, or insurance providers and ask for discounts, promotions, or competitor matches. Companies want to keep your business.
3. Smarter Grocery Shopping
Plan meals ahead, buy store brands, and avoid shopping when you’re hungry. Add in a weekly “use what’s in the pantry” dinner to cut waste.
4. Trim the “Fun Money” Without Losing Fun
Instead of cutting date nights, swap them for budget-friendly options—like cooking together at home or free local events.
5. Launch the $100 Savings Challenge
Pick one extra expense (like daily takeout coffee or frequent delivery fees) and cut it for just 30 days. Move that money into savings.
By making small tweaks, couples can reclaim $500 or more this month. That extra money could jumpstart an emergency fund, pay down debt faster, or even fund a weekend getaway without guilt.
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$500 Challenge
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