Pick a round. Bring a friend.
New 30-day rounds start on the 1st and 15th. Join the same round as your buddy and give each other a reason to keep going.
The 30-day no-spend club
Thirty days of small skips that add up. Join a round, log the purchases you pass on, and turn your progress into a win you can share.
New rounds on the 1st & 15th. Your essentials stay essential.
“Made coffee at home today.”
A little less on autopilot. A little more for you.
Our promise
Progress without pressure.
The small-skip method
No perfect budget required. Just a little attention to where your money goes—and people making the same effort.
$84
kept, not spent.
Skipped the takeout. Cooked with a friend.
12-day streak · Next round: the 1st
Illustrative card. Your total comes from your logged skips.
New 30-day rounds start on the 1st and 15th. Join the same round as your buddy and give each other a reason to keep going.
The latte, the delivery fee, the impulse cart. Log what you chose not to buy and watch your running total grow, one decision at a time.
Get a daily savings card made for Stories, Reels, and TikTok. Share it if you want to, invite a friend into your round, or keep the win just for you.
Your savings. Not your situation.
Cards never show exact balances or income. Add a “what I skipped” line only if it feels right to you.
Keep the momentum with The Smart Money Guide for Broke People, the workbook, and Smart Money Steps™—natural next steps, not requirements for joining.
Start with free
The challenge is free. Premium is $7/month if you choose to go further. Sharing your wins is never a condition of joining.
For individuals getting started
$0/month
Before your first round
Your next 30 days
Start with one skip. Find your people. See what you can keep.
Rounds begin on the 1st and 15th.