Sean Pyles

My issue is that some of these changes aren't sustainable.

Well, for me, I think it helps to know what you want from a challenge that you're setting up for yourself.

Is it to break a bad spending habit or build maybe a good spending habit, maybe jumpstart a specific goal?

Also, again, know the limitations.

If you want this to be a long term change, this could be a month to set the groundwork for that.

But set yourself up with a plan to continue this beyond the span of February.

Wait, Elizabeth, is your birthday in December?

Yeah, that's super smart because there can be this impulse to to do everything all at once.

And that is in a way setting yourself up to fail to Elizabeth, Amanda, we're all doing our own versions of these month long challenges here.

Elizabeth, let's start with yours.

What are you going to be doing and why?

It can be hard to say no to those things.

It is hard.

What's your mindset when you're saying no?

How do you choose which one to say yes to?

Are you planning on turning this month into a longer term habit or is it still kind of correcting some overspending from your birthday?

Direct deposit.

Easy peasy.

I would love to see that challenge for you, Elizabeth.

Maybe this coming December, just don't spend any more than you have already allocated as you've been saving up over the course of this year.