Are you a 100 envelope savings challenge binder dropout like me?? Then you should think about using your binder in a low spend way. I stuffed my binder with 100 tiny savings challenges and cash stuff a couple spots each week. It’s low spend and way less stress. And fun! Give it a try…any sort of savings is awesome! And I realized after the fact that the dice actually landed on 71, not 77. Oh well! The savings challenge was a free download from NessaBudgets from Ko-Fi and the tracker is from @Kai