It’s been an expensive summer for me and my wife … all the vacations, celebrations, gifts, and fancy foods have given our wallets a little hammering.
I was trying to think of a no-spend challenge or something we could do for the month of September to try and save some $$… But then I thought maybe it would be more fun to try 30 x mini-challenges, instead of the same thing for 30 x days.
Also, instead of just money stuff, how about other fun little things to improve our health, happiness, and the lives of others around us?
Soooo… here are the 30 x daily challenges I’ve come up with for September. Print ‘em out, check ‘em off, do all of them or as many as you can. Small things add up over time!!
September will be here in a flash — on Wednesday!
***Update! One of our awesome readers made a Trello board (free, public template here) so y’all can check off this list day by day as you do them! Thank you Brittany!! 🙏🙏🙏***
30 Daily Challenges for September
Day #1: No spend $$ day (should be easy, it’s a Wednesday!)
Day #2: Clean out 1 messy drawer or desk at home. (Decluttering increases happiness and productivity)
Day #3: Cancel an old credit card or account you never use ❌
Day #4: Sell something online. I use the OfferUp mobile app — easy and free!
Day #5: Call some insurance companies for competitive insurance quotes. Car or house!
Day #6: Do a $0 workout or fitness hobby. For me, that’s surfing! 🏄 (Or, have any of y’all ever tried this 1000 squats in 1 hour video? Oh man, I did this once and it was awesome! Nearly died, but awesome nonetheless) 🤸♀️
Day #7: No TV today… Read a book, do a puzzle, call an old friend instead!
Day #8: Hand-wash your car. Or clean the inside at least … Dang I’ve got a lot of Cooper hair in the back from our road trips!
Day #9: Share your fav personal finance blog or articles with your friends. Or, introduce someone new to the FIRE community! 🔥🔥🔥
Day #10: Get rid of 3 clothing items you never wear. Donate them!
Day #11: Clip a coupon → and actually USE it! Or download your supermarket app (I use Vons, Albertsons, Ralphs, 99c mobile apps) and see what promos they have.
Day #12: Get up at 5am and go to a nearby park to watch the sunrise! Reflect on how awesome your life is for a few hours before starting your day. 😎
Day #13: Teach your kids how to cook dinner! (Sept. 13 is National “Kids Take Over The Kitchen” Day) Bonus points if you make them shop for ingredients.
Day #14: Walk around the neighborhood for 20 minutes — without your phone!
Day #15: Buy 1 share of a company you love. (only 1!) This will satisfy your stock picking curiosity while having a bit of fun.
Day #16: Spend $3 to brighten someone else’s day. (Make a jibjab video, buy a nice card) 🤗
Day #17: Write down 3 things you appreciate in life. Email it to me! (Seriously, I’d love to read what you’re up to and tell you mine.)
Day #18: An old J$ trick… #1) Take out a dollar bill #2) Take out a sharpie #3) Write a motivational message to yourself on the bill #4) Stick it somewhere you’ll see every morning 🤑🤑🤑
Day #19: Change all your light bulbs to energy efficient bulbs! Costs ~$20, but saves the average household $8.33 per month (apparently). That’s $1,000 over 10 years. 💡💡💡💰💰💰
Day #20: Unsubscribe from 2-3 junk email newsletters. Better yet, cancel a subscription if you have one that no longer serves you.
Day #21: Use that old gift card that’s been sitting there for years! Or, sell it or trade in online! (I’ve still got one for Bed Bath & Beyond from my wedding 6 years ago…)
Day #22: Car-free day! Try walking everywhere you can today. :) Saves fuel money, and helps the environment.
Day #23: See if you have any missing money owed to you. If not, try your friend’s names! (1 in 10 people in the U.S. have missing money) 💸💸💸
Day #24: Pick up a piece of trash from the ground. Or, a few! Research shows that cleaning your own street can raise your home value by up to $5,000!!! (I totally made this up)
Day #25: Introduce yourself or strike up a conversation with a stranger. This will increase your chances of more apples in life. :)
Day #26: No drinking booze today. Instead, take a $5 bill and throw it into a jar on top of your fridge. Last year I did this for 18 days, and saved an extra $90. Kind of cool!
Day #27: Give someone you love a book that you love. (Or, call them up and just tell them the 3 biggest takeaways you learned from the book.) 🤯
Day #28: Say thank you to someone who has changed your life. Letter, text, or email… make it genuine. 😉
Day #29: Log into all your investment accounts and double check a) all your dividends are being reinvested (DRIP) and b) you have no forgotten/unproductive cash positions! 📈📉
Day #30: Set a meeting with your boss and ask for a raise… Then when they refuse, hand in your resignation, walk out of the office, go straight to the airport, buy a one-way ticket to Hawaii and live like a bum on the beach for the rest of your life. 🌴
Ok, that last one was a joke… But hey, if you are lucky enough to achieve FI in the month of September, maybe the “quit your job” part wouldn’t be so far off!?
So, are you up for the challenge(s)? How many of these do you reckon you can tick off in September?
Start this coming Wednesday the 1st…
Love you all, have a great weekend!