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Hello folks! I’ve been trying to make my monthly budget a little more organised, especially with everyday costs in the UK seeming to add up quickly. A colleague mentioned penny-based saving challenges during lunch, so I searched for more information and found Monzo 1p Challenge. What caught my attention was the gradual approach: instead of setting aside a large sum immediately, the challenge builds the habit one day at a time. I’d be interested in seeing the total target and adapting the schedule to my own pay dates. Has anyone here tried a similar method and managed to stick with it?