✨ The Last Quarter Challenge | 90-Day Financial Reset for 2026 ✨

Why wait until January to set goals and build better money habits?
With the Last Quarter Challenge, you’ll use October, November, and December as a powerful pre-start to 2026 — so you can step into the new year prepared, confident, and already in motion.

This printable challenge is your guided 90-day system to:
✅ Reset your spending and saving habits
✅ Build 2–3 simple money routines that stick
✅ Practice your 2026 financial goals early (test drive before the new year!)
✅ Finish the year with clarity, momentum, and confidence

💡 What’s Inside:

• Challenge Guidebook (step-by-step for October–December)

• Monthly Focus Pages (reset, build, lock-in)

• Expense Trackers & No-Spend Calendars

• Savings & Debt-Free Challenge Sheets

• Habit Builder Pages (choose and track 2–3 habits)

• Weekly Reflection Prompts to avoid burnout

• End-of-Year Reflection Worksheet to wrap up 2025

• 2026 Vision & Goal Planning Pages

All designed to keep you motivated, accountable, and excited about your financial journey.

🎯 Who It’s For:

• Anyone who wants to start 2026 strong, not stressed

• Budgeters, planners, and money-savers looking for a system that works

• People who love checklists, trackers, and printables to stay organized

• Anyone ready to break the cycle of setting goals in January and quitting by February

🌟 Why You’ll Love It:

Instead of scrambling to “fix” your money in January, this challenge helps you practice, adjust, and lock in habits while the pressure is off. By January 1st, your systems are already running — all you do is keep going.

👉 Start today and make the last quarter of 2025 your most productive and intentional yet.
✨ Lock in your habits. Reset your money. Launch into 2026 with confidence. ✨