💡 Why This Challenge?
Most Indians earn well but money slips away because we don’t track, don’t plan, and don’t automate.
This 30-day money detox plan helps you reset your habits and get financially grounded one week at a time.
🗓️ Week 1: Know Where Your Money Goes
Goal: Awareness before action.
- ✅ Download your last 3 months’ PhonePe statements.
- ✅ Upload them on moneytools.in to analyse and visualise your expenses.
- ✅ Identify 3 spending categories where you overspend (food delivery, shopping, subscriptions?).
- ✅ Write one small rule: “No ordering food twice a week” or “Buy coffee only on weekends.”
🎯 Pro Tip: Until you see your spending pattern, you can’t fix it.
💰 Week 2: Clean the Financial Clutter
Goal: Simplify and cut waste.
- ❌ Cancel 2–3 unused subscriptions.
- 🧾 Combine multiple accounts into one app or spreadsheet.
- 💳 Automate bill payments to avoid late fees.
- 💸 Move all impulse buys to a “Wishlist” for 48 hours before purchase.
Tool Tip: Use MoneyTools’ category merge feature to group small, scattered transactions.
📊 Week 3: Build Your System
Goal: Automate saving and tracking.
- 🏦 Open a separate account for savings.
- 💰 Set up auto-transfer on salary day (even ₹1,000 counts).
- 📲 Keep using MoneyTools.in monthly to review your spending reports.
- 🗓️ Pick a “Money Review Sunday” each month.
Remember: Systems > Willpower. Once it’s automated, money grows silently.
🚀 Week 4: Plan and Grow
Goal: Future-proof your habits.
- 🎯 Set 3 short-term goals (Emergency fund, Vacation, Mutual fund SIP).
- 🪴 Research low-risk investments like index funds or gold ETFs.
- 🧠 Read one finance blog daily (start with MoneyTools blog).
- 📈 Use your past spending data from MoneyTools to plan next month’s budget.
⚡ Bonus Tips
- Stop mixing emotions with money. Every rupee must have a purpose.
- Reward yourself for consistency not for spending.
- The real win: Financial clarity, not just savings.
✅ Take Action Now
Start your 30-day challenge today.
➡️ Upload your PhonePe statement to moneytools.in and see where your money really goes.