I’ve decided to do something different to close out this year: The 92-Day Money Challenge.
Think of it like 75 Hard, but for your finances. It’s strict. It’s about discipline. And it’s designed to build habits that will set me up for massive momentum in 2026.
From October 1 through December 31, I’ll be following these rules—no excuses, no exceptions. If I miss, I start over.
The Rules of the 92-Day Money Challenge
Daily Requirements
- Track Every Dollar – Write down or log every single expense, even if it’s $1.
- Debt-Focused Action – Do one thing daily that moves me closer to payoff (make a small extra payment, list an item for sale, send an invoice, work on a side hustle task).
- No Unplanned Spending – Only spend on bills, groceries, gas, and other pre-approved essentials. No impulse purchases.
- Money Reading (10 Minutes) – Read or listen to something that improves my money mindset (finance book, blog, article, podcast).
- Journal/Reflection – Write 1–2 sentences about my financial progress or thoughts for the day.
Weekly Requirements
- Meal Prep at Least Twice – To save money on takeout and avoid overspending.
- Sell or List One Item – Declutter my space and bring in extra income.
- Budget Check-In – Review all spending, debt payments, and side hustle progress.
- Share Progress – Post an update on my journey (blog, social media, or private journal for accountability).
Why I’m Doing This
I’ve been chipping away at debt for a while now, but some days it feels like I’m stuck in the same cycle. I want to end this year with a different kind of momentum—the kind that comes from discipline, focus, and consistency.
This challenge isn’t just about the numbers (though I fully expect my debt balance to drop). It’s about proving to myself that I can stay consistent with money habits even when it’s hard, even when it’s not exciting, and even when I feel “behind.”
By December 31, I want to have:
- Logged 92 straight days of financial discipline.
- Built stronger habits around budgeting and spending.
- Made extra progress on my debt payoff.
- Finished the year with more confidence going into 2026.
Want to Join Me?
I’m calling it The 92-Day Money Challenge—and it starts October 1.
If you’ve been wanting a reset with your finances, this is your chance to push yourself. It won’t be easy, but it will be worth it.
👉 The rules are simple: follow the list above every single day. No cheats. No “I’ll make up for it tomorrow.” If you miss, you restart.
Download my free tracker to print and keep track – Tracker
Who’s in?
