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?
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.