We’ve made it to Week 4 of the Last Quarter Challenge — the final stretch of October! 💪
And this week, it’s all about one powerful focus: building small, lasting habits that will carry you confidently into 2026.
If you’ve been tracking your expenses, setting mini goals, and testing your ideal budget — you’ve already done the hard work of building awareness.
Now, we’re turning that awareness into action.
🌱 Why This Week Matters
Habits are the foundation of every goal — financial or otherwise.
You don’t need massive change overnight. What you need are tiny, repeatable actions that fit naturally into your day.
That’s where this week’s focus comes in: choose 2–3 new habits and track them daily using your Habit Tracker printablefrom the Last Quarter Challenge kit.
🧠 Step 1: Choose 2–3 Small, Achievable Habits
Start simple.
Ask yourself, “What actions would make the biggest difference if I stayed consistent for the next few weeks?”
Here are some ideas to inspire you:
💰 Track expenses daily
💳 Check bank balance once a day
💬 5-minute money check-in with your partner
📖 Read or listen to something about money mindset
☕ Make coffee at home instead of buying out
🧺 Do a small tidy-up of your workspace or purse every night
The key: Pick habits that are small enough to do even on your busiest days.
⏰ Step 2: Attach Each Habit to Something You Already Do
One of the easiest ways to make a habit stick is to attach it to an existing routine — something you already do every single day.
For example:
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Track your expenses right after your morning coffee ☕
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Review your budget after dinner 🕯️
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Transfer a small amount to savings right after you get paid 💸
This trick — called habit stacking — helps you remember your new habits without relying on motivation alone.
🗓️ Step 3: Use Your Daily Tracker
Print out your Daily Habit Tracker and fill it in each morning.
Every time you complete one of your habits, mark it off with a simple check ✅ or highlight.
There’s something powerful about seeing your progress build day by day — it reminds you that consistency, not perfection, is what leads to transformation.
🎃 Step 4: End October Strong — and Celebrate the Wins!
This week wraps up not only your month but also Halloween! 🕸️
So as you enjoy your candy and costumes, take a moment to celebrate your progress, no matter how small.
You’ve tracked, budgeted, reflected, and now you’re building habits that last.
That’s what this challenge is all about — finishing strong and stepping into the next season of your life with focus and intention.
🛒 Ready to Join the Challenge?
If you haven’t joined the Last Quarter Challenge yet, it’s not too late to start!
Your printable kit includes:
✔️ Daily & weekly trackers
✔️ Habit and budget planners
✔️ Reflection sheets
✔️ Goal-setting prompts for 2026
Start today, build your new habits, and finish 2025 with momentum that will carry you straight into the new year.
👉 Grab your Last Quarter Challenge Printable Kit now
✨ Final Thought
Building habits isn’t about doing everything perfectly — it’s about showing up, even in small ways, every day.
So choose your 2–3 habits, track them faithfully, and let October close with confidence, consistency, and a little Halloween magic. 🎃💫
You’re building something real — one habit at a time.