{"title":"CHALLENGES","description":"","products":[{"product_id":"12-month-debt-savings-challenge-trackers-printable-2022","title":"12 Month Debt\/Savings Challenge Trackers Printables","description":"This is a great monthly tracker for your financial goals\u003cbr data-mce-fragment=\"1\"\u003e\u003cbr data-mce-fragment=\"1\"\u003eThis printable includes 12 monthly trackers. This is a 12 page printable.\u003cbr data-mce-fragment=\"1\"\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cbr data-mce-fragment=\"1\"\u003eThis is an INSTANT DOWNLOAD. You will not receive any physical document. \u003cbr data-mce-fragment=\"1\"\u003e\u003cbr data-mce-fragment=\"1\"\u003eDETAILS:\u003cbr data-mce-fragment=\"1\"\u003e12 pages\u003cbr data-mce-fragment=\"1\"\u003eColor: Black \u0026amp; White\u003cbr data-mce-fragment=\"1\"\u003eSize: 8.5x11 inches \u003cbr data-mce-fragment=\"1\"\u003eFormat: PDF\u003cbr data-mce-fragment=\"1\"\u003e\u003cbr data-mce-fragment=\"1\"\u003e\u003cbr data-mce-fragment=\"1\"\u003eTERMS:\u003cbr data-mce-fragment=\"1\"\u003e- For PERSONAL use only\u003cbr data-mce-fragment=\"1\"\u003e- Copyright remains with the designer\u003cbr data-mce-fragment=\"1\"\u003e","brand":"Paper By Moe","offers":[{"title":"Default Title","offer_id":41814774677671,"sku":"","price":2.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0553\/4692\/1639\/products\/1_27a57931-3cec-420d-8738-da4f574b3cb3.png?v=1640367010"},{"product_id":"money-in-order-challenge","title":"Money In Order: October  4 Week Challenge","description":"\u003cp\u003eDo you feel like your money is in order? Do you know what happens to every dollar when you get paid? Do you have realistic financial goals?\u003c\/p\u003e\n\u003cp\u003eIf you answered no to any of those questions, this is the money challenge for you.\u003c\/p\u003e\n\u003cp\u003eThis is a \u003cstrong\u003eDIGITAL\u003c\/strong\u003e 4 part money challenge, where you get your finances in order!\u003c\/p\u003e\n\u003cp\u003ePages: 9 total pages :1 info page \u0026amp; 8 pages in the challenge\u003cbr\u003eColors: White, Brown, Black, Orange, Burnt Orange, Burgundy ( may look different on some screens )\u003cbr\u003ePDF File\u003c\/p\u003e\n\u003cp\u003ePages Include\u003c\/p\u003e\n\u003cp\u003e- \u003cstrong\u003eWEEK 1:\u003c\/strong\u003eDocument your Financial Situation: Go over your money at a detailed glance.\u003cbr\u003e     -List your income\u003cbr\u003e     -List your variable expenses\u003cbr\u003e     -\u003cspan data-mce-fragment=\"1\"\u003eList your fixed expenses\u003cbr\u003e     -List your debt \u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan data-mce-fragment=\"1\"\u003e- \u003cstrong data-mce-fragment=\"1\"\u003eWEEK 2: \u003c\/strong\u003eDocument your financial goals\u003cbr\u003e     -Make a detailed list of financial goals and use the S.M.A.R.T method\u003cbr\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan data-mce-fragment=\"1\"\u003e- \u003cstrong data-mce-fragment=\"1\"\u003eWEEK 3: \u003c\/strong\u003eCreate \u0026amp; Document your sinking funds\u003cbr data-mce-fragment=\"1\"\u003e     -List the sinking funds and the goals... and how much you need to put towards the goal\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan data-mce-fragment=\"1\"\u003e- \u003cstrong data-mce-fragment=\"1\"\u003eWEEK 4: \u003c\/strong\u003eExecute\u003cbr\u003e     -Create actionable items and a time line for your goals\u003c\/span\u003e\u003c\/p\u003e","brand":"Paper By Moe","offers":[{"title":"Default Title","offer_id":42769441226919,"sku":"","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0553\/4692\/1639\/products\/Includesapageforeverychallenge_sinkingfundtracker_ad3goaltrackerstohelpyoualongyourjourney._2.png?v=1663957457"},{"product_id":"✨-the-last-quarter-challenge-90-day-financial-reset-for-2026-✨","title":"✨ The Last Quarter Challenge | 90-Day Financial Reset for 2026 ✨","description":"\u003cp data-start=\"239\" data-end=\"503\"\u003eWhy wait until January to set goals and build better money habits?\u003cbr data-start=\"305\" data-end=\"308\"\u003eWith the \u003cstrong data-start=\"317\" data-end=\"343\"\u003eLast Quarter Challenge\u003c\/strong\u003e, you’ll use October, November, and December as a powerful \u003cem data-start=\"402\" data-end=\"413\"\u003epre-start\u003c\/em\u003e to 2026 — so you can step into the new year prepared, confident, and already in motion.\u003c\/p\u003e\n\u003cp data-start=\"505\" data-end=\"791\"\u003eThis printable challenge is your guided 90-day system to:\u003cbr data-start=\"562\" data-end=\"565\"\u003e✅ Reset your spending and saving habits\u003cbr data-start=\"604\" data-end=\"607\"\u003e✅ Build 2–3 simple money routines that stick\u003cbr data-start=\"651\" data-end=\"654\"\u003e✅ Practice your 2026 financial goals early (test drive before the new year!)\u003cbr data-start=\"730\" data-end=\"733\"\u003e✅ Finish the year with clarity, momentum, and confidence\u003c\/p\u003e\n\u003chr data-start=\"793\" data-end=\"796\"\u003e\n\u003ch2 data-start=\"798\" data-end=\"820\"\u003e💡 What’s Inside:\u003c\/h2\u003e\n\u003cul data-start=\"821\" data-end=\"1235\"\u003e\n\u003cli data-start=\"821\" data-end=\"884\"\u003e\n\u003cp data-start=\"823\" data-end=\"884\"\u003e\u003cstrong data-start=\"823\" data-end=\"846\"\u003eChallenge Guidebook\u003c\/strong\u003e (step-by-step for October–December)\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli data-start=\"885\" data-end=\"936\"\u003e\n\u003cp data-start=\"887\" data-end=\"936\"\u003e\u003cstrong data-start=\"887\" data-end=\"910\"\u003eMonthly Focus Pages\u003c\/strong\u003e (reset, build, lock-in)\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli data-start=\"937\" data-end=\"982\"\u003e\n\u003cp data-start=\"939\" data-end=\"982\"\u003e\u003cstrong data-start=\"939\" data-end=\"980\"\u003eExpense Trackers \u0026amp; No-Spend Calendars\u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli data-start=\"983\" data-end=\"1027\"\u003e\n\u003cp data-start=\"985\" data-end=\"1027\"\u003e\u003cstrong data-start=\"985\" data-end=\"1025\"\u003eSavings \u0026amp; Debt-Free Challenge Sheets\u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli data-start=\"1028\" data-end=\"1085\"\u003e\n\u003cp data-start=\"1030\" data-end=\"1085\"\u003e\u003cstrong data-start=\"1030\" data-end=\"1053\"\u003eHabit Builder Pages\u003c\/strong\u003e (choose and track 2–3 habits)\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli data-start=\"1086\" data-end=\"1136\"\u003e\n\u003cp data-start=\"1088\" data-end=\"1136\"\u003e\u003cstrong data-start=\"1088\" data-end=\"1117\"\u003eWeekly Reflection Prompts\u003c\/strong\u003e to avoid burnout\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli data-start=\"1137\" data-end=\"1193\"\u003e\n\u003cp data-start=\"1139\" data-end=\"1193\"\u003e\u003cstrong data-start=\"1139\" data-end=\"1175\"\u003eEnd-of-Year Reflection Worksheet\u003c\/strong\u003e to wrap up 2025\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli data-start=\"1194\" data-end=\"1235\"\u003e\n\u003cp data-start=\"1196\" data-end=\"1235\"\u003e\u003cstrong data-start=\"1196\" data-end=\"1233\"\u003e2026 Vision \u0026amp; Goal Planning Pages\u003c\/strong\u003e\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp data-start=\"1237\" data-end=\"1329\"\u003eAll designed to keep you motivated, accountable, and excited about your financial journey.\u003c\/p\u003e\n\u003chr data-start=\"1331\" data-end=\"1334\"\u003e\n\u003ch2 data-start=\"1336\" data-end=\"1357\"\u003e🎯 Who It’s For:\u003c\/h2\u003e\n\u003cul data-start=\"1358\" data-end=\"1651\"\u003e\n\u003cli data-start=\"1358\" data-end=\"1413\"\u003e\n\u003cp data-start=\"1360\" data-end=\"1413\"\u003eAnyone who wants to start 2026 strong, not stressed\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli data-start=\"1414\" data-end=\"1487\"\u003e\n\u003cp data-start=\"1416\" data-end=\"1487\"\u003eBudgeters, planners, and money-savers looking for a system that works\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli data-start=\"1488\" data-end=\"1562\"\u003e\n\u003cp data-start=\"1490\" data-end=\"1562\"\u003ePeople who love checklists, trackers, and printables to stay organized\u003c\/p\u003e\n\u003c\/li\u003e\n\u003cli data-start=\"1563\" data-end=\"1651\"\u003e\n\u003cp data-start=\"1565\" data-end=\"1651\"\u003eAnyone ready to break the cycle of setting goals in January and quitting by February\u003c\/p\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003chr data-start=\"1653\" data-end=\"1656\"\u003e\n\u003ch2 data-start=\"1658\" data-end=\"1685\"\u003e🌟 Why You’ll Love It:\u003c\/h2\u003e\n\u003cp data-start=\"1686\" data-end=\"1911\"\u003eInstead of scrambling to “fix” your money in January, this challenge helps you \u003cstrong data-start=\"1765\" data-end=\"1805\"\u003epractice, adjust, and lock in habits\u003c\/strong\u003e while the pressure is off. By January 1st, your systems are already running — all you do is keep going.\u003c\/p\u003e\n\u003chr data-start=\"1913\" data-end=\"1916\"\u003e\n\u003cp data-start=\"1918\" data-end=\"2093\"\u003e👉 Start today and make the last quarter of 2025 your most productive and intentional yet.\u003cbr data-start=\"2008\" data-end=\"2011\"\u003e✨ \u003cstrong data-start=\"2013\" data-end=\"2089\"\u003eLock in your habits. Reset your money. Launch into 2026 with confidence.\u003c\/strong\u003e ✨\u003c\/p\u003e\n\u003chr data-start=\"2095\" data-end=\"2098\"\u003e","brand":"Paper By Moe","offers":[{"title":"Default Title","offer_id":47084824297639,"sku":null,"price":5.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0553\/4692\/1639\/files\/16pagechallenge_planner.png?v=1759013972"},{"product_id":"aprilemergencyfundchallenge","title":"April $1,000 Emergency Fund Challenge","description":"\u003cp class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"\u003e\u003cstrong\u003eAre You Ready to Save $1,000 This April?\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"\u003eOne month. One goal. One simple tracker to get you there.\u003c\/p\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"\u003eThe April $1,000 Emergency Fund Challenge Printable is your 30-day roadmap to building real financial security — one day at a time. Whether you're just starting your savings journey or getting back on track, this challenge was designed to make saving feel doable, structured, and even a little exciting.\u003c\/p\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"\u003eNo apps. No subscriptions. Just print it, pick up a pen, and start. 💛\u003c\/p\u003e\n\u003chr class=\"border-border-200 border-t-0.5 my-3 mx-1.5\"\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"\u003e\u003cstrong\u003eWhat's Inside Your 2-Page Printable:\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"\u003e✅ \u003cstrong\u003e30-Day Daily Savings Tracker\u003c\/strong\u003e — a dedicated box for every single day of April with a suggested daily savings amount and space to record what you actually saved\u003c\/p\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"\u003e✅ \u003cstrong\u003eSuggested Daily Goal of $33–$34\/day\u003c\/strong\u003e — pre-calculated daily amounts that add up to exactly $1,000 by April 30th\u003c\/p\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"\u003e✅ \u003cstrong\u003eDaily Completion Checkbox\u003c\/strong\u003e — check off each day as you go and watch your progress build in real time\u003c\/p\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"\u003e✅ \u003cstrong\u003e4 Weekly Check-In Sections\u003c\/strong\u003e — reflect on your wins, log your running total, note what was hard, and write how you pushed through\u003c\/p\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"\u003e✅ \u003cstrong\u003eWeekly Savings Targets\u003c\/strong\u003e — built-in milestones so you always know where you should be ($231 · $462 · $700 · $1,000)\u003c\/p\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"\u003e✅ \u003cstrong\u003eMotivational Quotes\u003c\/strong\u003e — two powerful prompts woven throughout to keep you moving on the hard days\u003c\/p\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"\u003e✅ \u003cstrong\u003eVisual Progress Bar\u003c\/strong\u003e — a $0 to $1,000 tracker to color in or mark as you save\u003c\/p\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"\u003e✅ \u003cstrong\u003eInstant PDF Download\u003c\/strong\u003e — print at home, at the library, or at any print shop\u003c\/p\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"\u003e✅ \u003cstrong\u003ePrinter-Friendly Design\u003c\/strong\u003e — clean, minimal ink usage so it won't drain your cartridge\u003c\/p\u003e\n\u003chr class=\"border-border-200 border-t-0.5 my-3 mx-1.5\"\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"\u003e\u003cstrong\u003eThis Challenge Is Perfect For:\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul class=\"[li_\u0026amp;]:mb-0 [li_\u0026amp;]:mt-1 [li_\u0026amp;]:gap-1 [\u0026amp;:not(:last-child)_ul]:pb-1 [\u0026amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3\"\u003e\n\u003cli class=\"whitespace-normal break-words pl-2\"\u003eAnyone who wants to build or start their emergency fund\u003c\/li\u003e\n\u003cli class=\"whitespace-normal break-words pl-2\"\u003ePeople who feel overwhelmed by saving and need a clear daily structure\u003c\/li\u003e\n\u003cli class=\"whitespace-normal break-words pl-2\"\u003eBeginners who want a simple, no-fluff savings system\u003c\/li\u003e\n\u003cli class=\"whitespace-normal break-words pl-2\"\u003eAnyone who tried saving before and needs a fresh reset\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003chr class=\"border-border-200 border-t-0.5 my-3 mx-1.5\"\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"\u003e\u003cstrong\u003eHow It Works:\u003c\/strong\u003e\u003c\/p\u003e\n\u003col class=\"[li_\u0026amp;]:mb-0 [li_\u0026amp;]:mt-1 [li_\u0026amp;]:gap-1 [\u0026amp;:not(:last-child)_ul]:pb-1 [\u0026amp;:not(:last-child)_ol]:pb-1 list-decimal flex flex-col gap-1 pl-8 mb-3\"\u003e\n\u003cli class=\"whitespace-normal break-words pl-2\"\u003ePurchase and download your PDF instantly\u003c\/li\u003e\n\u003cli class=\"whitespace-normal break-words pl-2\"\u003ePrint your 2 pages at home or at a print shop\u003c\/li\u003e\n\u003cli class=\"whitespace-normal break-words pl-2\"\u003eStart April 1st — save your daily amount and check the box\u003c\/li\u003e\n\u003cli class=\"whitespace-normal break-words pl-2\"\u003eCheck in weekly to celebrate your progress\u003c\/li\u003e\n\u003cli class=\"whitespace-normal break-words pl-2\"\u003eHit $1,000 by April 30th 🎉\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003chr class=\"border-border-200 border-t-0.5 my-3 mx-1.5\"\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"\u003e\u003cstrong\u003e💎 Already a Money on Paper By Moe YouTube Member?\u003c\/strong\u003e This printable is included FREE with your membership! Head to the members-only community to grab your copy before purchasing here. Not a member yet? Join at YouTube.com\/@PaperByMoe\/join — starting at just $3.99\/month and this tracker is just one of the perks waiting for you inside.\u003c\/p\u003e\n\u003chr class=\"border-border-200 border-t-0.5 my-3 mx-1.5\"\u003e\n\u003cp class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"\u003e\u003cem\u003eThis is a digital download. No physical item will be shipped. Files are for personal use only and may not be resold or redistributed.\u003c\/em\u003e\u003c\/p\u003e","brand":"Paper By Moe","offers":[{"title":"Default Title","offer_id":48267731697831,"sku":null,"price":4.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0553\/4692\/1639\/files\/StudentLoanPlannerPrintable22-PageTracker-3.png?v=1774731894"}],"url":"https:\/\/paperbymoe.com\/collections\/challenges.oembed","provider":"Paper By Moe","version":"1.0","type":"link"}