
No-Spend Month Challenge
No-spend days, of days elapsed — days you spent nothing outside the allowed list — slips logged with the amount, so the saving is real.
What the file tells you
Thirty days, one tick a night, slips logged honestly with the amount — so the saving on the page is real. A streak, a projected saving for the month, and a contract with a stake and a witness, because a challenge nobody sees is a wish.
Anyone who has tried a no-spend month with a paper checklist and lost the checklist by day nine.

Excel 2016+ or Microsoft 365. Or upload the .xlsx to Google Drive — it opens in Sheets with formulas and charts intact.
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