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Month 1: Tracking Expenses and Budgeting

Day 1 - Spending Journal

Day 2 - Categorize Your Expenses

Day 3 - Identify Non-Essential Expenses

Day 4 - Reflect on your spending habits and note any patterns.

Day 5 - Set a daily spending limit.

Day 6 - Compare your spending to your limit.

Day 7 - Summarize your spending and reflect on areas for improvement.

Day 8 - Create a simple budget for the week.

Day 9 - Allocate funds for
necessities first.

Day 10 - Track your spending
against your budget.

Day 11 - Identify areas where you can reduce spending.

Day 12 - Adjust your budget based on your spending.

Day 13 - Reflect on the challenges of sticking to a budget.

Day 14 - Review your budget and make any necessary adjustments.

Day 15 - List your essential needs.

Day 16 - List your wants.

Day 17 - Reflect on how often you spend on wants vs. needs.

Day 18 - Set a goal to prioritize
needs over wants.

Day 19 - Implement a “needs-first” spending rule.

Day 20 - Track your adherence to this rule.

Day 21 - Reflect on how
prioritizing needs impacts your spending.

Day 22 - Set a short-term financial goal.

Day 23 - Break down your goal into daily actions.

Day 24 - Track your progress
towards the goal.

Day 25 - Adjust your actions if
necessary to stay on track.

Day 26 - Reflect on the progress you’ve made.

Day 27 - Celebrate a small win
towards your goal.

Day 28 - Review and set a new goal for the upcoming week.

 Day 29 - Plan your meals for the week.

Day 30 - Make a shopping list based on your meal plan.

Month 2: Establishing Consistent Financial Habits

Month 3

Month 4

Month 5

Month 6

Month 7

Month 8

Month 9

Month 10

Month 11

Month 12

Day 1

Day 2

Day 3

Day 4

Day 5

Day 6