Richer track · 100 day challenge

Money Reset 100: A 100 day money reset challenge

$9.99 to unlock Your first pack is on us.

Money Reset 100 is how I'd get my money in order if I were starting from scratch today: one small action a day to budget, save and pay down. Every day you log what you spent, then do one or two small tasks, like writing down every account you have or looking at each balance once and breathing. It starts with just looking at it, and that genuinely counts as day one.

Daily workload: 3 daily goalsDaily core: Log today's spending in Budget
Difficulty: Gentle

Example: a sample day

Day 1: what a day looks like

Daily core Log today's spending in Budget Same every day
Task 2 Set up your spending log in Budget
Task 3 Write why you're starting this reset

Need a lighter day? Can't fit it in today? Use a Rest Day: your streak is kept and the day waits for you.

Free preview

Preview the first 7 days

Every day has 3 goals: your daily core (the same every day), Task 2 and Task 3, each with a short why. Open a day to read all three.

- Daily core Same every day
  Log today's spending in Budget
  Why: Writing down what you spent today, even a no-spend day, turns a vague money feeling into something you can actually see and organize.
- Task 2
  Set up your spending log in Budget
  Open Budget and find where to add a purchase and a no-spend entry; Budget is the main home for your spending log in this pack. Prefer a notebook, phone note or spreadsheet? Use that instead, title it Spending Log and keep using the same one. Then set a daily reminder for the time you'll log. Today's core is your first entry.
  Why: Deciding once where your log lives, and when you'll fill it in, makes the daily entry easy to keep.
- Task 3
  Write why you're starting this reset
  Why: A few honest lines about why you started carry you through the days logging feels boring.
- Daily core Same every day
  Log today's spending in Budget
  Why: Writing down what you spent today, even a no-spend day, turns a vague money feeling into something you can actually see and organize.
- Task 2
  Write down every account you have
  List every account you can think of: checking, savings, cards, loans, old ones you forgot. Names and types only, no account numbers. Keep the list on one page or private note titled Money Reset Notes, where your next lists will go too. No accounts at all? Write how you hold money instead, like cash or a prepaid card.
  Why: One list means nothing is hiding in a corner stressing you out.
- Task 3
  List three money wins you've already had
  Think back over the last few years. No big wins come to mind? Small ones count, like skipping a purchase or paying a bill on time.
  Why: Remembering past wins reminds you of money choices you've already handled.
- Daily core Same every day
  Log today's spending in Budget
  Why: Writing down what you spent today, even a no-spend day, turns a vague money feeling into something you can actually see and organize.
- Task 2
  Write down every account balance with today's date
  Open each account on your list and just look at the number. Write it next to the account with today's date. Cash only? Count it and write that. No fixing, no judging. Close it all and take three slow breaths.
  Why: You can't organize what you avoid, and looking is the hardest part.
- Task 3
  Turn on a low balance alert
  Look in your bank's app or website settings for balance alerts. No alert option or no bank account? Set a weekly phone reminder to check your balance or cash instead.
  Why: An alert when your checking gets low warns you before an overdraft, not after.
Take care: Do not write passwords or full account numbers in your log.
- Daily core Same every day
  Log today's spending in Budget
  Why: Writing down what you spent today, even a no-spend day, turns a vague money feeling into something you can actually see and organize.
- Task 2
  Write one honest page about money
  Finish this line on paper: "When I think about money, I feel..." and keep going for a full page. Keep it private if you prefer. Fold it and tuck it somewhere safe for Day 92.
  Why: Naming the feeling takes some of its power away. It's just information now.
- Task 3
  Write the money question you most want answered
  Reread your page and write one question it raises, like how much you really spend on food or when bills bunch up. Add it to your Money Reset Notes; the next two weeks of tasks will help you answer it.
  Why: A clear question turns a feeling into something the next tasks can help with.
- Daily core Same every day
  Log today's spending in Budget
  Why: Writing down what you spent today, even a no-spend day, turns a vague money feeling into something you can actually see and organize.
- Task 2
  List every bill with its due date and amount
  Write down every bill that arrives regularly: rent, phone, utilities, insurance, loan or card payments. Next to each, write the due date and usual amount from a recent statement, and highlight the next one due. No bills in your name? List the regular costs you do cover, like a phone share or bus fare.
  Why: Bills are easier to handle when they stop being surprises, and due dates in one place mean fewer late fees.
- Task 3
  Mark which bills pay automatically
  Write auto or by hand next to each bill on your list. Put a question mark next to any you're unsure about and check one of them today.
  Why: Knowing what's automatic means nothing leaves your account without you knowing.
- Daily core Same every day
  Log today's spending in Budget
  Why: Writing down what you spent today, even a no-spend day, turns a vague money feeling into something you can actually see and organize.
- Task 2
  Set calendar reminders for your bills
  Add a free calendar reminder three days before each bill is due, set to repeat monthly, and give bill reminders their own color. No Day 5 list yet? Make a quick one now.
  Why: Your future self gets a heads up instead of a panic.
- Task 3
  Check one autopay charged the right amount
  Compare one automatic payment on your latest statement to what you expected. No autopays? Check your last bill payment instead.
  Why: A quick check catches a wrong charge before it repeats every month.
- Daily core Same every day
  Log today's spending in Budget
  Why: Writing down what you spent today, even a no-spend day, turns a vague money feeling into something you can actually see and organize.
- Task 2
  Count your logged days and mark the win
  Light day. Look back at this week's entries in Budget or your log, count the days you logged, including no-spend entries, and write the number in your Money Reset Notes. Any number counts.
  Why: Seeing your logged days on paper, whatever the number, shows the habit forming.
- Task 3
  Write what made logging easy or hard
  Why: Noticing what helped or got in the way shows you what to keep or change for week two.

The other 93 days unlock when Money Reset 100 is yours.

Join the waitlist now

The app launches December 15, 2026. Join the waitlist before then and the Early Adopter badge is yours. The group starts Day 1 on January 1, 2027, and you can start earlier if you like. Sign up after launch and Money Reset 100 is ready when you are. Your first pack is on us.

How Money Reset 100 works

What you do each day
3 goals a day. Your daily core, Log today's spending in Budget, is the same every day. The other two are new each day: Task 2 builds the habit and Task 3 adds a different angle. Each one comes with a short why.
Time and effort
Most days fit around a normal day, all 3 goals together. Some days are lighter, and nothing needs to happen at a set time.
Difficulty and pace
Gentle. Starts small and builds slowly. Good if you're brand new to this. Milestone badges at 10, 25, 50 and all 100 fully completed days mark how far you came.
Easier alternatives and rest days
Most goals have an easier alternative. “Choose an easier alternative” puts it in its place, and it counts the same as the original goal: the same square, streak and rewards. A rest day protects the streak on days life happens.
Pausing or switching
With another challenge going, you can pause this one any time. Resume later and you pick up on the same day you left. Remove it instead and your history stays: ticks, notes and photos. You always keep at least one challenge going. Up to 3 packs can be active at once, your main challenge included. Active and scheduled packs count; paused, finished and not started ones don't. You can own as many packs as you like and start them later.
What you own
Unlock Money Reset 100 on its own ($9.99 or a free credit) and it's yours forever, to replay any time. All Access opens every pack while you're subscribed. Credits never expire, so use them when you're ready.

Pack guide

How to use task details

The task title names the action. Open its details for the method, examples and any relevant precautions; Why explains the purpose. Save the stated output or record the action you actually took. Paper and other suitable tools are valid alternatives. Do not mark a real-world result complete merely because a planning note was written. Writing tasks can be done in Journal, on paper or anywhere you like. Linking them to Journal is optional.

Days 1 to 14: your money reset basics

Everyone starts the same way: a daily spending log in Budget or a log you prefer, where a no-spend entry counts, plus a list of your accounts and balances, your bills and due dates, subscriptions, income and fixed costs. On Day 13 you write a one page money snapshot. On Day 14 you use it to pick one goal for the rest of the pack.

Your three goal options

From Day 15, Task 3 follows the goal you picked. Build a safety net: name a fund, set a small automatic transfer you can afford and grow it. Pay down debt: list your debts, pick a payoff order you'll keep and chip away. Protect your credit: pull free reports at AnnualCreditReport.com, dispute real errors yourself and set up autopay and alerts. Task 2 stays shared Money Reset work for everyone: planning, saving, trimming costs and reviews.

Switching goals and fallbacks

You can switch goals any time. If a step depends on an earlier day you skipped, the task tells you how to catch up quickly. No debt or no credit history? Every task has a short fallback, like reviewing one recurring cost, so there's always something useful to do. Any amount counts, including $0 with a date to look again.

Money Smarts or Money Reset?

Money Reset is about doing: logging spending, organizing bills and working toward one goal with your own records. Money Smarts is about understanding: each day you learn one money idea, like interest, credit reports or fees, and explain it with an example. They are separate packs and pair well. Smarts explains why a habit works; Reset helps you practice it. You can run either one alone, or both together if they fit within your active challenges.

Earn 4 milestone badges

10, 25, 50 and all 100 fully completed days of Money Reset 100: your first achievement, then bronze, silver and gold. Days finished late count too.

Money Reset 100 0 of 4

Who it's for

Is Money Reset 100 for you?

For anyone who avoids their bank app and wants a calm, daily way back in. It's organizing and accountability, not financial advice.

See where your money goes, then pick a safety net, debt or credit goal.

What the 100 days cover

Daily spending log
Knowing every account and balance
Budgeting, saving and paying down
Your honest money story
Spending you feel good about

Price and credits

What it costs

This pack: $9.99 once. All 100 days. That pack, owned forever.
Free credit: Your first pack is on us: every new account gets one free specialty credit for any pack, and it never expires. Use it here and it costs nothing.
Richer bundle: $29.99 once. Own every pack currently available in this track, plus any new packs released in this track during the 12 months after purchase. All packs unlocked during that period remain yours forever. Packs released afterward are sold separately.
All Access: $39.99 a year (7 days free, then $39.99/year unless canceled), or $4.99 a month with no free trial. Every current and newly released standard pack while you're subscribed. Access ends when your subscription ends. Packs you own stay yours.

Questions

Good to know

Does it connect to my bank?

No. The free Budget tool never connects to a bank. You type your own numbers into a spending calendar, and only you see them.

Is this financial advice?

No. The prompts are organizational only, and the pack never recommends a specific investment, product or provider. For advice on your situation, talk to a qualified professional.

What does Day 1 look like?

You set up your spending log and a daily reminder. After that, the daily core is simply logging today's spending, plus one or two small new actions.

What if I miss a day?

Life happens. The app has Rest Days, and your level never goes down.

How much does Money Reset 100 cost?

Money Reset 100 is $9.99 once: that pack, owned forever. Every new account also gets one free specialty credit, so you can unlock one pack like this one at no cost. The Richer bundle is $29.99 once: own every pack currently available in this track, plus any new packs released in this track during the 12 months after purchase. All packs unlocked during that period remain yours forever. Packs released afterward are sold separately. All Access Yearly is $39.99 a year (7 days free, then $39.99/year unless canceled), or All Access Monthly is $4.99 a month: every current and newly released standard pack while you're subscribed. Access ends when your subscription ends. Packs you own stay yours.

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