Three years ago, I was in the perfect financial position, even with a part-time job at minimum wage. I had been saving 15% of my paycheck every month, I had investments with Acorn (the BEST beginner investment app), and my weekly budget allowed me to not only buy organic groceries but also splurge with my online shopping addiction from time to time (hello, new pair of JustFab shoes!).
But, soon enough, adulthood hit me like a truck. My perfect financial habits fell apart and I was left with less-than-ideal savings, no emergency fund, and no fun money.
I looked everywhere for a financial plan that would kick my butt back into gear, but none of them truly satisfied my inner perfectionist. What if I was busy one day and didn’t get to the that day’s task? What if I wanted to do something fun but I had to put $40 in my savings instead?
This plan is the perfect mix of responsibilities and funsponsibilities, and unlike the other 30-day money challenges, this one gets the most difficult over with first and saves the most fun for last.