Challenge Mode is a simple game for cutting back. A no-spend day is a day with no expenses recorded. The page finds those days for you, so you do not need to tick anything.
What you'll learn
- How no-spend days are detected
- What the streak numbers mean
- What goal to aim for
The Challenge Mode page
What you see
- No-Spend Day shows the no-spend days so far this month and the Monthly Goal, written as "21 / 10".
- Current Streak: the number of days in a row with no spending, up to today.
- Best Streak: your longest run of no-spend days this month.
- Progress: a bar toward the goal, with a message such as "Great job, keep going!" or "Excellent! Goal reached!"
- The month calendar, with the previous and next arrows. Each no-spend day has a check mark, and Today is marked.
- Calendar Colors: the legend for the calendar shading: No-Spend Day, Spent, Today and Future.
- How does it work?: a short explanation that opens when you select it.
- Spending Habit Calculator: a section with an Add Habit button.
How it works
Days without expenses are marked as no-spend days. The page reads your transactions, so you do not tick anything. Adding an expense on a day removes that day from the streak.
The page does not count:
- Recurring payments, which are kept on the scheduled payments list.
- Transfers between your accounts.
- Deleted transactions.
- Future days.
Your goal is to go about one-third of the month without spending. The page rounds one-third of the days in the month to the nearest whole number. For a 31-day month, the goal is 10 days, which is the "10" in "21 / 10".
Use the calendar
Select a day in the calendar to open the Transactions page filtered to that date. From there you can see or change what was recorded that day.
A day counts as no-spend only when its transactions are recorded. Make sure everyday purchases are entered on the Transactions page, or the streak will look better than it is.
Add a spending habit
The Spending Habit Calculator shows what a regular purchase costs you over time, such as a daily coffee.
- Select Add Habit.
- Enter a Habit Name, such as "Coffee".
- Enter the Cost per Unit.
- Choose the Frequency. It is set to Daily by default.
- Select Add Habit, or Cancel to close the form.
Until you add a habit, the section says "No spending habits tracked yet." To change a habit, select its edit icon.
Frequently asked questions
FAQ
No. The days are detected from your transactions. To change a day's status, change the transactions for that day.
Any expense recorded on a day ends that day's no-spend status, so the streak counts from the next day.
The goal is one-third of the days in the month, rounded to a whole number. A 31-day month gives 10, and a 30-day month gives 10 as well.