New Year Budget Reset – 30-Day Challenge (Free Google-Sheet)

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  1. New Year = fresh slate—but most resolutions die by week 3—I built a 30-day challenge that auto-tracks daily spend.
  2. Challenge: 30 micro-tasks → ₹100/day auto-transfer → green cell = day completed.
  3. Secret: 65-20-15 split + daily WhatsApp reminder + UPI auto-debit → no willpower needed.
  4. Result: ₹ 3k saved in 30 days → habit locked → green streak = resolution kept.
  5. Below: live Google Sheet → copy the challenge → plug in salary → auto-tracks daily surplus.
  6. No e-mail wall—just copy and play.
NY-Budget-30-Day-Challenge

Methodology

I built a 30-day micro-task list → ₹100/day auto-debit → green cell = completed.
Tasks: skip coffee, walk to metro, no-delivery day → total ₹ 3k in 30 days.
Auto-debit: UPI mandate → same time daily → no willpower needed.
Green streak: conditional formatting → red = missed, green = done.
Live sheet includes a daily tracker and a WhatsApp reminder link → copy → start Jan 1.
Copy → tweak salary → green = resolution kept.

👉 Make a copy & start the 30-day challenge

Conclusion

Bottom line: New Year ≠ willpower—30 micro-tasks + ₹100/day auto-debit → green streak = resolution kept.
Rule of thumb: complete 25+ days → habit locked; miss 3 days → reset streak.
Action: open the sheet above, copy the challenge, and set UPI auto-debit → green cell = day completed.
Grab the challenge → copy → start January 1st.

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