No-Spend Week
7 daysEasy
Seven days of spending only on the essentials you listed before you started. A short, low-stakes way to see where your …
Frugal, not cheap
Squeeze more out of every dollar.
Short money challenges with free trackers, everyday habits that add up, and calculators that show what things really cost. No sign-up; your progress stays on your device.
Pick one and start today
Money challenges
No-Spend Month
30 daysHard
Thirty days of essentials only. A reset for your spending habits, with a weekly plan so it does not feel like thirty da…
Pantry Challenge
14 daysMedium
Two weeks of cooking mostly from what is already in your cupboards, fridge and freezer, buying only fresh basics.
52-Week Savings Challenge
52 weeksMedium
Save $1 in week one, $2 in week two and so on, up to $52 in week 52. That adds up to $1,378 by the end of the year.
Reverse 52-Week Savings Challenge
52 weeksMedium
The 52-week challenge backwards: save $52 in week one, $51 in week two, down to $1 in the last week. Same $1,378, easie…
$5 Bill Challenge
A yearEasy
Every time a $5 bill lands in your wallet, it goes into a jar. Open the jar at the end of the year.
The 30-Day Rule
30 daysEasy
Want something that is not essential? Write it down with the date and the price, and wait 30 days. If you still want it…
Packed Lunch Month
20 daysEasy
Bring lunch from home for 20 working days in a row. Usually one of the easiest ways to see a real difference in a month.
Unsubscribe Week
7 daysEasy
A week of cutting the things that make spending easy: marketing emails, saved cards, one-click buttons and notification…
Free tools
Calculators
Cost per useWhat something really costs each time you use it, and which of two options is better value.Hours of workTurn any price into the hours you work to pay for it, after tax.Unit priceCompare up to four packs, even in different units, and see which is cheapest.Latte factorWhat a small daily habit adds up to over 1, 5 and 10 years, saved or invested.Meal costPrice a home-cooked meal per serving and compare it with takeaway.
Small habits, big difference
Everyday squeezes
Food and groceries
8 habits
The biggest flexible line in most budgets, and the one with the most small wins: planning, prices per unit, leftovers a…
Eating out and takeaway
6 habits
Keep the meals out you enjoy and cut the ones you buy because you are tired, rushed or bored.
Shopping and stuff
7 habits
Fewer, better things: how to stop impulse buys, buy used, and get the most use out of what you buy.
Home and energy
7 habits
Small habits that lower energy and water use, and make the home things you own last longer.
Getting around
6 habits
Car costs are more than fuel. Habits that cut the running costs of getting from A to B.
Fun and free time
6 habits
Keep the fun, lose the cost: free and cheap ways to spend weekends, evenings and holidays.
Clothes and beauty
6 habits
Buy less, buy better, care for what you have, and use things up before replacing them.
Money habits
6 habits
The habits behind the habits: paying yourself first, sinking funds, and keeping an eye on where money goes.
Know-how
Guides
Frugal vs cheapFrugal means spending on what you value and cutting the rest. Cheap means paying the lowest price, even when …How to do a no-spend challengeSet the rules, write your essentials list, plan for the hard days and decide where the money goes. Works for …How to compare unit pricesHow to read the unit price on shelf labels, why bigger is not always cheaper, how to compare different units …What to buy used and what to buy newA practical list of things that are usually great second-hand, things to check carefully, and things that are…Sinking funds explainedA sinking fund is money you save each month for a known future cost. How to set them up, what to use them for…Free things to doA checklist of free things to do alone, with friends or with kids: outdoors, culture, at home, learning and g…How to meal plan on a budgetA simple weekly meal plan routine: check what you have, plan around it, cook twice, use leftovers and shop on…The latte factor, explainedWhat the latte factor is, how to calculate it, what it misses, and how to use it without giving up the things…How to save for a houseHow to save for a house: set your down payment target, add closing costs, automate savings, choose where to k…How to save for a weddingHow to save for a wedding: agree a budget, open a joint wedding fund, prioritize what matters, and cut costs …How to save for ChristmasHow to save for Christmas and the holidays: work out your total, divide by the weeks left, set up a holiday s…How to save for a vacationHow to save for a trip: price it first, set a travel fund, cut costs in the run-up and save on flights and st…How teens can save moneyMoney tips for teenagers: set a goal, save part of every payment, open a savings account with a parent, and a…
Big recurring bills like insurance, phone and internet? HeftySavings has step-by-step guides and phone scripts.